Credit Limits

Credit limits are set per account. These can be set according to a number of criteria, including geography, identity score (where applicable) and account age.

• Geographical
  
  The RiskSentinel Team will provide guideline credit limits for each country. These limits are based around extensive research into per capita spending power, cross referenced to employment levels.
  
  However, these limits are provided as guidelines and it is the merchants' decision on credit levels.
  
  Credit limits are provided on this basis in order to facilitate business with countries that have been generally designated as high risk. This applies specifically to countries such as Malaysia and Indonesia.
  
  These countries labeled as high risk can also represent high opportunity: Credit limits provide the opportunity to limit risk and build a level of trust with individual customers.
  
  The credit limits are increased automatically over time, this enables the merchant to build a level of trust with the consumer.
  
  Multiple accounts will be spotted within other components of the system.
  
  
• Other Criteria
  
  Credit limits can also be set according to payment type - accounts, which work with debit cards rather than credit cards for instance, may encourage a greater level of trust.

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