DumuCustomer accountA lasting account withYour business
Credit built on a real customer relationship
Extend merchant credit to regular customers you know and trust.
Dumu lets the business approve a credit limit for an individual regular customer, so the relationship can continue even when the customer needs to spend beyond their deposited value.
This is credit from the merchant to its customer, not a bank loan or third-party lending product. The business decides who receives it, how much is available, and when that relationship should change.
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DepositBuild value for later
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Come backThe relationship continues
Trust with structure
Keep the flexibility customers value without relying on memory and promises.
Many businesses already help trusted regulars informally. Dumu gives the merchant a deliberate way to approve credit for a specific customer and define the limit that fits the relationship.
- ✓Enable credit customer by customer
- ✓Set an individual merchant credit limit
- ✓Keep operators from changing credit terms
- ✓Require manager responsibility for sensitive changes
How spending works
Use deposited value first, then approved merchant credit when needed.
Before a purchase is confirmed, Dumu can show how much customer value and how much merchant credit the purchase will use. The customer and business keep one understandable account relationship.
- ✓Available value used before credit
- ✓Credit use visible before confirmation
- ✓Outstanding credit shown on the account
- ✓Remaining credit stays clear for later visits
An ongoing relationship
Let future deposits strengthen the account again.
When the customer adds value later, Dumu can show how the deposit clears outstanding merchant credit before increasing the available balance. The relationship moves forward without splitting into separate systems.
- ✓Outstanding credit remains connected to the customer
- ✓Later deposits can clear what is owed
- ✓The account returns to positive customer value
- ✓Managers can review the relationship over time
The workflow
Merchant credit that begins with recognition and remains under business control.
Dumu supports the relationship; the merchant remains responsible for the decision.
- 01
Know the customer
The customer already has a lasting account and an ongoing relationship with the business.
- 02
Approve the limit
A manager enables merchant credit and chooses the amount appropriate for that customer.
- 03
Use it when needed
A purchase can use approved credit after the customer’s available value.
- 04
Continue responsibly
Outstanding and remaining credit stay visible as the relationship develops.
Questions business owners ask
Understand how merchant credit fits the customer relationship.
Clear answers help you decide whether Dumu matches the way regular customers already interact with your business.
Is Dumu a lender?+
No. Dumu does not provide the money. Merchant credit is extended by the business to its own regular customer, under that business’s approval and limit.
Does every customer receive credit?+
No. Credit is enabled individually. The merchant decides which relationships qualify and sets the limit for each customer.
Can normal operators change a credit limit?+
Dumu treats customer credit as a manager responsibility rather than a routine operator action.
What happens when the customer deposits while owing merchant credit?+
The account can apply the deposit toward outstanding credit first, then make any remaining value available for future spending.
Make the next visit part of today
Give regular customers a lasting account with your business.
Start with your real branch, team, and customer relationships. No payment card is required to begin the full 30-day trial.