PinKube’s mission is to helps credit-challenged people make essential lifestyle purchases by splitting their payment into smaller, affordable monthly installments. This way, people can be financially secure while small merchant can increase sales by offering low credit financing. PinKube is the affordable way to pay for the important things in people’s life. Instead of making a large payment upfront, customers can split the cost of purchases into bitesize monthly installments. So customers still get lifestyle essentials without the hassle of applying for a credit card or incurring massive debt.
PinKube’s Values express what we hold dear, what we believe in and what we aim for. Individually, each principle is equally important, and taken as a whole, they form our collective conscience.
We communicate proactively and honestly, that is why we:
Say what we mean and mean what we say
Offer our customers trustworthy advice
Use understandable language that addresses the heart of the matter
Carefully explain the conditions, risks, returns and costs of our products and service
Are accessible and open, that is why we:
Are there where our customers want us to be
Are easy to approach, attentive and responsive
Listen with genuine interest and empathy
Engage in a candid dialogue and welcome feedback
Strive to minimize complexity
Empower people to be their best, that is why we:
See our customers as the starting point of everything we do
Work hard to meet and exceed our customers’ expectations
Provide our customers with the knowledge and confidence they need to make sound financial decisions
Give our employees the opportunity to develop themselves, and provide them with an inspiring and healthy work environment
Stand by our customers, and our colleagues, in their moments of truth
Respect each other and the world we live in, that is why we:
Treat others the way we want to be treated
Appreciate our colleagues, who are the ones that make it happen
Believe that working together leads to better results
Respect human rights, advocate equal opportunities and encourage diversity of thinking
Avoid or responsibly manage any negative impact our business activities may have on people or the environment, and seek positive change in society
Act with integrity, that is why we:
Take responsibility for our actions and deliver on our promises
Comply with all applicable laws, regulations and internal policies and guidelines
Use our knowledge responsibly and keep confidential what is entrusted to us
Prevent or responsibly manage possible conflicts of interest
Only do business with responsible, reputable and lawful parties
PinKube is committed to providing the tools your business needs to boost sales and grow your business.
Against competitors by offering a finance program. Display a compelling offer to your customers by advertising low, affordable, FIXED monthly payments.SIGN-UP
By advertising a low monthly payment, you’re appealing to those customers who can’t afford the total cash price of your product or service today.SIGN-UP
By advertising financing options to provide customers with the flexibility to pay over time and shift focus away from total price while increasing your average ticket amount.SIGN-UP
PinKube integrates seamlessly into your daily card acceptance operations to drive conversion, ATV, and revenue.
Your customer sees the option to pay over time with PinKube while shopping.
They download the PinKube app into their phone and register for the services and receive a real time authorization for the purchase amount.
They choose the payment plan that fits their budget.
You process their order, PinKube settles the full amount with you, and your customer pays PinKube over time.
Give your customers a more flexible way to pay for goods online or in-store. PinKube is a low-risk alternative to making an upfront payment, which gives customers the confidence to buy on the- spot. As a merchant, you receive upfront funding straight away*, with a detailed transaction history instantly appearing on your accounts.