Partner programme

Whichever tier you join, you build against the same APIs, the same sandbox and the same SDKs. What changes between tiers is how much of the lending journey you own, which OAuth scopes your client is granted, and how the commercials work. This page lays out the three tiers, a capability-by-capability comparison, the scopes each one needs, and the three steps to go live.

Refer — send introductions, share revenue

The lightest way to partner. You send a UK company to Credicorp through a tracked link or a single API call, and you earn a share of revenue on any loan that funds as a result. No lending logic, no PII handling, no compliance scope — just attribution. Each introduction returns an introduction_id that follows the deal through decisioning and funding, so your statements reconcile to the penny.

curl -s https://api.credicorp.co.uk/partner/v1/introductions \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: intro-ord_5512" \
  -d '{
    "business": { "company_number": "16093826" },
    "contact":  { "email": "[email protected]", "name": "A. Patel" },
    "amount_pence": 2500000,
    "reference": "ord_5512"
  }'

HTTP/1.1 201 Created
{
  "id": "intro_7Hn4Qd",
  "object": "introduction",
  "status": "open",
  "handoff_url": "https://apply.credicorp.co.uk/i/7Hn4…",
  "reference": "ord_5512",
  "created_at": "2026-06-29T10:00:00Z"
}

Send the borrower to handoff_url, then track outcomes by subscribing to introduction.funded — it carries the introduction_id, the funded amount_pence and your accrued share. Prefer no code at all? Generate a tracked link in the dashboard and the same attribution applies.

More: Reseller programme → · Power a comparison platform →

Integrate — embed the whole journey

The deepest tier. You drive application creation, react to authoritative AI decisioning, and run repayments over PISP rails — either inside a co-branded hosted flow or fully white-labelled in your own UI. This is the path for lending platforms, vertical SaaS and embedded-finance products. The full build is documented in Integrate lending; you will request the lending scopes below and provision a webhook endpoint.

More: White-label lending → · Embed lending → · For SaaS & vertical platforms →

Vendor — list and co-sell

You provide a service that makes lenders or borrowers better off — open banking, KYC/AML, e-sign, accounting, fraud signals — and you list it in the marketplace. After a technical and security review you earn the verified-vendor badge and can co-sell to mutual customers. Vendors subscribe to platform events and may publish data back into decisioning; the walkthrough lives in Extend the marketplace.

More: Products & services catalogue →

How the tiers compare

Scopes at a glance

Your OAuth client is granted only the scopes its tier needs — least privilege by default. You request them in your partner application; we provision them on the sandbox client first and mirror them to live at go-live.

Acquire a token with the client-credentials grant — see OAuth 2.0:

curl -s https://auth.credicorp.co.uk/oauth2/token \
  -u "$CLIENT_ID:$CLIENT_SECRET" \
  -d "grant_type=client_credentials" \
  -d "scope=applications:write payments:write webhooks:read"

How to join