Keep the Customer You Fought to Win
Every service visit, every parts purchase, every accessory install builds a relationship. CredX keeps it yours: access to the data, the loyalty, and the next visit.
Forget the old system.
Here is a new one.
One that you belong to, instead of one that owns you.
The value your business creates belongs to your business. CredX is how that happens. This is not another product to buy. It is a movement to join, built so the people and businesses who create the value are the ones who keep it. Your customers stay where they started, and so does your access to the data they create.
That is the real switch.
The business that earns the customer keeps the customer.
Right now your payment processor runs the transaction, and the credit facility network keeps everything that comes after: who your customer is, what they spend, and when they will come back. CredX puts that back in your hands. Your credit facility, your brand, your customer.
The Merchant“Your customers were already loyal. A competing credit facility was the only one charging you for it.”
You built the relationship. You earned the trust. But every transaction sent a piece of your margin to a system that does not know your customer's name. CredX gives that back — not just as savings, but as a tool: lower costs across every transaction, built-in revolving credit with no lending risk on your books, and a data network that tells you who your buyers really are.
A growing community of businesses, done handing their growth to a credit facility network. This is your network. Finally.
The Consumer“They have been the product for long enough.”
Every time they tap their card, someone they have never met profits from their loyalty, and they never saw a cent of it. CredX changes that. Customers benefit from the data they generate, access revolving credit, and keep more of what they earn in the businesses where they spend.
This is a shift in who the economy works for.
The Lender“Finally, credit that earns where the spending already happens.”
Community lenders have always been closer to their members than the big networks, but the credit facility network always captured the transaction. CredX changes the rail: fund embedded credit directly at the point of service, a diversified, closed-loop asset class, with delinquency controls built in so risk stays managed.
The old system extracted value from all three. CredX returns it.
“We believe in true partnership so much we put our own money into your business — then give it to your clients, presented under your brand. Who partners like that?”
— Kendall, Founder, CredX
Your access to the data is the asset no one gave back. Until now.
Three things become yours the day you sign:
The relationship stays in your business's name, not a competing credit facility's. The customer who came in for a tune-up last Tuesday belongs to you.
Consent-driven and de-identified: which buyers come back, which segments spend the most, and when demand peaks.
A closed-loop value-back program in your own brand that keeps the customer from driving to the shop down the street.
Your business name. Our infrastructure.
Everything the customer sees carries your brand. The technology, compliance, and credit run behind the scenes. The relationship is yours.
Three ways CredX puts money back in your business.
Interchange recovery runs from 40% up to 85%
$6,000 per $1M with CredX, against roughly $36,000 with competing credit facilities. On $1M a month, that is up to $30,000 staying in your business. That example sits at the top of the published range; across the range the same volume returns roughly $14,000 to $30,000, and results vary by volume and card mix.
Earn on the credit you used to give away
A credit facility in your own brand, approved in about 20 seconds at checkout, at roughly half the rate of a standard card. You are paid in full and upfront, and the risk stays with the community lender partners that fund the credit, never on your books.
See your business in real time
A monthly dashboard in plain language, not raw numbers: which location peaks in July, which segment drives revenue, and who is about to lapse. The intelligence your current setup never handed you.
A UK retailer saw orders that used embedded lending run 321% larger than its standard PayPal transactions, with 35% of its PayPal sales choosing to pay over time (PayPal case study, Q1 2023).
Move the slider. See what stays in your business.
Set your real monthly card volume and watch the recovery add up across twelve months.
Recovery runs from 40% up to 85% of standard interchange, depending on qualifying volume, so the figure above is a range rather than a single outcome. Results vary by volume and card mix. Based on roughly $36K interchange per $1M with competing credit facilities, against $6K per $1M with CredX.
Get my savings estimateFour steps. Your POS and payment stack stay exactly as they are.
Sign a Merchant Network Agreement
Onboarding runs about 4 to 8 weeks. Your POS, payment processor, and management software all stay in place.
CredX activates on your transaction flow
Your checkout is unchanged, with no new terminals or hardware to install. CredX runs underneath, capturing the interchange value and customer data your current setup leaves behind across every transaction type.
Your monthly report arrives
Interchange recovered and value-back earned, broken out per location and in aggregate.
Customers get branded credit and value-back
Lower-rate credit issued in your business's name, approved in about 20 seconds at checkout, with value-back accruing in your program. The relationship stays yours.
Built for any automotive business with recurring customers and card volume.
- Auto service & repair shops
- Parts retailers & distributors
- Accessories & aftermarket retailers
- Tire chains & quick-lube operators
- Fleet service operators
- Powersports & RV operators
If you process $250K or more per month in card volume and your customers come back, CredX is built for you.
Ready to keep your customer?
Two quick steps. Start with the basics — we will take it from there.
Questions operators ask before signing
Does CredX replace my existing POS or payment processor?
No. CredX runs on the value layer underneath your existing setup. Your POS, payment terminals, and management software all stay in place, and it requires no new hardware at the counter. Typical integration runs 4 to 8 weeks.
What types of automotive businesses does this work for?
Any automotive operator with recurring customers and meaningful card volume: service and repair shops, parts retailers, accessories and aftermarket businesses, tire chains, quick-lube operators, fleet service providers, and powersports or RV operators. If your customers come back and pay by card, CredX applies.
What about a multi-location rollout?
One master account, individual location branding if needed, and consolidated reporting. Each location sees its own interchange recovery and value-back numbers.
Is my customer data really mine?
Yes. Consent-driven, opt-in by default, de-identified for analytics, and handled under Canadian privacy law, including PIPEDA. The customer relationship stays yours, never a competing credit facility's.
How soon do I see savings?
Interchange recovery starts the month after activation, reported per location and in aggregate.
Who qualifies?
Automotive operators processing $250K or more per month in card volume. Single-location and multi-location businesses both qualify — the savings and data benefits are proportional to your volume.