Collect on behalf of
your clients.
Collections On Behalf Of (COBO) lets you receive payments for your clients into named accounts and local methods, then allocate every incoming payment to the right client automatically. Ideal for platforms, marketplaces and PSPs that collect money for others across borders.
Every incoming payment, matched to the right client.
Payers send funds to account details that carry your client’s name. Credible identifies each payment, books it to the right client ledger and settles it on your schedule, so you stop reconciling bank statements by hand.
Collections for platforms that serve many businesses.
Named accounts per client
Issue USD, EUR and GBP account details in your client’s name so their customers pay a name they recognise.
Automatic allocation
Inbound payments are matched to the right client by account, reference or virtual IBAN, with no manual sorting.
Local methods
Accept ACH, SEPA, Faster Payments, UPI, Pix and cards on behalf of clients in 40+ markets.
Per-client balances
Each client sees its own balance and statement, while you manage everything from one platform account.
Screened inbound funds
Every collection is screened, and every underlying client is onboarded through KYB.
Settle in any currency
Settle to your clients in USD, EUR, GBP or local currency at mid-market FX, same-day.
From named account to settled funds.
- 01
Onboard your client
Run KYB on the underlying client and create their collection profile.
- 02
Issue account details
Generate named USD, EUR or GBP accounts and local payment methods for the client.
- 03
Collect and allocate
Inbound payments are identified and booked to the client’s ledger automatically.
- 04
Settle
Pay the client out or hold funds, with per-client statements and webhooks.
Questions, answered.
What does COBO mean?
Collections On Behalf Of: you collect payments for your clients through Credible, and each payment is attributed to the client it belongs to.
Who uses COBO?
Marketplaces, PSPs, SaaS billing platforms, freight and trade platforms, and any business that receives money for its customers.
How are payments matched to clients?
Each client gets dedicated account details or references, so incoming funds are allocated automatically to the right ledger.
Can COBO and POBO work together?
Yes. Collect on behalf of a client, convert at mid-market FX, and pay their suppliers on their behalf, all from the same balance.
Collect for every client from one platform.
Onboard, complete KYB, and start issuing named collection accounts for your clients.