From invisible to bankable.
Every order you complete on Merx becomes a data point in a financial identity banks can finally read. Trade your way into credit.
Your trading history, finally counted.
After years of legitimate trading, Nigerian social commerce sellers walk into a bank with nothing to show. No credit history. No formal record. No path to capital. The seller doing ₦2M a month on WhatsApp gets the same answer as someone who has never traded a day in their life.
Merx fixes that quietly, in the background. Every order you complete is a data point. Every settled dispute, every fast dispatch, every clean payout, all of it compounds into your Merx Score: a transaction-based financial identity that grows with you.
When the score matures, it connects you to revenue-based lending through fintech partners. Repayments are deducted automatically as your orders settle. No collateral. No paper trail nobody can verify. Just the trading record you already built.
Four signals. Tracked on every order.
Order volume
35%How many orders you complete on Merx. Consistent throughput is the strongest signal of a real, working business.
Fulfilment speed
25%How quickly orders move from payment to delivery confirmation. Fast, reliable dispatch raises your score.
Dispute history
25%How often disputes are raised and how they resolve. A clean record compounds; bad outcomes drag your score.
Payment reliability
15%Refund rate, chargeback frequency, and how cleanly funds settle on your account each cycle.
What unlocks at every level.
Building
- ✓Standard escrow protection on every order
- ✓Foundation tracking begins
- ✓Visible score that updates with every settled order
Established
- ✓Reduced transaction fees on protected payments
- ✓Priority support response window
- ✓Eligible for the Merx Verified review queue
Verified
- ✓Merx Verified badge on your storefront
- ✓Featured listing on the Merx aggregated discovery page
- ✓Pre-qualified introduction to lending partners
Bankable
- ✓Direct access to revenue-based financing
- ✓Repayments deducted automatically as orders settle
- ✓Lowest fee tier on every protected transaction
- ✓Concierge dispute resolution
From Day 1 to Day 365. One order at a time.
What a real seller's first year on Merx looks like. No shortcuts, no special treatment. Just trading the way you already do, with the score growing in the background.
Your store goes live. Score starts at zero. Every order from here counts.
Twenty or so protected transactions in. The foundation of your trading record exists for the first time.
Reduced fees kick in. Priority support unlocks. Your fulfilment rhythm becomes a real signal.
You appear on the Merx aggregated discovery page. Lending partners get pre-qualified introductions.
Direct access to revenue-based financing. Repayments deducted automatically as orders settle. You walked in invisible. You walked out bankable.
Scores shown are illustrative of a typical active seller. Your actual progression depends on order volume, fulfilment quality, and dispute history.
You've worked for
every sale. Collect it.
Open your verified Merx storefront, accept pay-on-delivery without fear, run every DM
from one inbox, and start building the credit identity banks have never been able to see.
Free to open · No setup fees · You only pay a small fee when an order is collected