Provide instant loans for top-up throughMicro Credit

Offer micro-lending of emergency airtime to both resellers and subscribers with our end-to-end managed service that creates revenue without any interruption in your business, operations, and connectivity

Trusted by the world’s fastest growing MNOs

Is Micro Credit right for you?

  • You’re looking for value-added service that offers service continuation during odd times for both resellers and subscribers
  • In doing this, you’d like to incur zero chances of default or the hassle of system maintenance
  • You’re looking to add a new revenue stream in the form of service-fees gathered on each loan disbursed

How Micro Credit helps you grow your business

Sustainably grow your product and service usage

Minimize service usage disruptions and prevent revenue opportunities lost due to “zero airtime” by enabling distributors, resellers and subscribers to avail continued access to your services

Offer micro-lending across various categories

Extend small, short-term credits to services beyond prepaid airtime distribution to cover utility subscriptions like water, electricity, gas and more

Get nimble reports at your fingertips with our robust analytics

Generate rich reports from a variety of predefined and flexible templates complete with intuitive GUI, financial analysis, and service impact measurement data

Quality Over Quantity

How does it work?


Seamless buys airtime upfront from the operator in less than the channel margins

Subscriber requests for emergency credit through a USSD code

Our intelligent user profiling allows the right amount to the right subscriber which minimizes bad debts

Operators receive an immediate realization of revenue over a 2-week reconciliation cycle

Subscriber recharges their account

Our system automatically deducts any outstanding loans along with the service fee from the recharge amount

Seamless invoices the operator separately for a percentage of the service fee

Throughout this process, our system bears the entire cost and risk as we provide open and transparent reporting to the operator from loan requesting to loan recovery

Key Features

Subscriber profiling

To calculate loan amount in real-time based on intelligent user profiling

Customer Care Module

To empower the telecom operator to monitor performance and check transaction history through an interactive web interface

Subscriber Self Care Module

To enable subscribers to request and receive micro credit, check eligibility and access their account history through SMS, USSD and Web

Credit Engine

To create dynamic eligibility parameters by processing data and identifying a credit score for individual users their recovery details

Recovering Engine

To determine the recovery amounts and interact with the online recharge system to recover outstanding loan amounts

Our take on telecom industry

Learn more about industry strategies, best practices, and the latest developments in telecom

Life at Seamless

Employee Spotlight: Jyothsna Muramreddy

Jyothsna Muramreddy Product Owner As the Mobile Application Product Owner, I steer the development and strategy to align with both business objectives and user expectations. My role includes defining the…
Guides and Webinars

[Guide] Enhancing customer experience with 5g and next-generation connectivity solutions

Despite spanning across its second year, the coronavirus pandemic has maintained its tight grip on the telecom industry and the challenges it brings continue to test the agility and resilience…
FTTH vs FWA whitepaper
Ebooks and Whitepapers

Fiber-to-the-Home (FTTH) and FWA: Optimizing Home Connection Investment for MNOs

Telecom isn't one-size-fits-all anymore – and that's a good thing! Our whitepaper is your compass to retail sales success, no matter where you stand in the telecom world.

Want to see Micro Credit in action?