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What the gate is
Credicorp automates the full journey — quoting, application, authoritative decisioning, payment collection — with exactly one deliberate manual control: the release of funds out of Credicorp (money-out). An approved decision is a real approval, but the disbursement itself passes through a governed gate rather than firing automatically.
What it means for your integration
Design for it. An approval is a green light to progress the customer through the funded journey, not a signal that money has already moved. Track the funded state via the payment status and the settlement webhook, and present 'approved, funding in progress' rather than 'funded' until the money-out event confirms.
Why decisioning is not gated
The decision is authoritative because gating it would slow every application for no safety benefit — the risk that matters is money leaving, and that is where the single control sits. This keeps the integration fast (instant, real decisions) while the one genuinely irreversible step stays governed. See the money-out gate.
Frequently asked questions
Does an approved decision mean the money has moved?
No. Approval is a real, authoritative decision, but releasing funds passes through the one manual money-out gate. Present the customer as 'approved, funding in progress' until the settlement event confirms.
Can my integration trigger a disbursement automatically?
It can request the funded journey, but the actual release of funds is a governed manual gate — the single hard control in the platform. Everything up to that point is automated.
Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.