Limits
Maintain the credit limits that apply to a buyer and currency under the merchant’s policy.
Solution · Buyer credit
Extend buyer credit with a clear view of what is still available.
When you carry buyer credit, bring limits, outstanding exposure and available capacity into the same process as orders and settlements. Check capacity before a new grant, then record the credit movements that follow.
BUYER CREDITAlba Distribution
Effective limit€50,000
Outstanding exposure€20,000
Available capacity€30,000
New order€8,000
✓ Capacity check approvedCredit grant is a separate step
Credit model
Connect policy to the actual financial exposure
A static “credit limit” value is not enough once several orders, invoices and settlements overlap. The credit capability keeps the limit and current exposure distinct so a process can evaluate genuinely available capacity.
Typed references and stable business sources let the same buyer credit state participate in commerce, invoicing and collection flows without each system inventing its own exposure calculation.
Capacity
Evaluate whether a requested amount fits inside the currently available capacity.
Exposure
Record grants, consumption, release or settlement as the underlying commercial obligation changes.
Systems involved
One journey, several authorities.
Ormuz coordinates these boundaries rather than erasing them.
COMMERCEOrder demand
ORMUZCredit policy
CREDITLimit / exposure
ERPOrder / invoice
PAYMENTSettlement evidence
Keep approval rules deterministic when they are deterministic
A Decision can express amount thresholds, segmentation, account state and other explicit rules that govern whether the process may grant credit or requires a review.
What this changes in the journey
An Agent can contribute contextual analysis when the evidence is genuinely ambiguous, but the process should still make the resulting authority and approval path explicit.
Add external financing or deferred payment without collapsing the model
Mondu and Two are available marketplace extensions for provider-backed B2B payment terms. They can be alternatives in a checkout without becoming the same object as merchant-owned credit.
Explore the integration catalogue to compare available providers and identify the services relevant to your financing needs.
Measure during a pilot
Evaluate the change on your real operation.
Choose the measures that matter to your operation and compare them before and during your pilot.
Review share
Measure how often explicit policy can decide and how often a human review is still required.
Available capacity
Observe requested amounts against available merchant-owned credit capacity.
Exposure lifecycle
Track whether grants, consumption, release and settlement follow the intended business lifecycle.