Intermediary Smart Credit Guide
As an intermediary, you can enable your direct clients to pay later, with your rights and the tutors' rights protected
What is Smart Credit for Intermediaries?
The Smart Credit system allows you as an advanced intermediary to let your direct clients pay later. You manage your clients' requests and delegate to tutors, and you can enable credit for clients you trust.
You as the intermediary are the guarantor for the repayment. This means you are responsible for ensuring the client pays the owed amount.
Who is This Feature For?
⚠️ Important Notice: This feature is available only for direct clients who contact you directly and you know personally. It is not available for students routed to you through the platform.
Available For
- Direct clients (they contact you)
- Recurring clients with good track record
- Delegations you manage yourself
Not Available For
- Indirect clients
- New clients without history
- Unverified accounts
How Does the System Work?
Client Eligibility Assessment
The system automatically calculates a credit score for the client based on payment history, membership duration, identity verification, and completed orders.
Credit Limit Determination
Eligible clients receive a credit limit that defines the maximum amount they can borrow.
Example: Client with 1000 SAR limit → requests a 400 SAR service → you delegate to a tutor and service is completed → client repays 400 SAR within 30 days.
Delegation and Service Delivery
You delegate the service to a tutor as usual. The tutor receives their earnings normally because you as the intermediary are the guarantor, not the tutor.
Repayment
The client repays the amount within the grace period (30 days):
- Full payment: Pays the entire amount at once
- Installments: Pays in installments within the specified period
Intermediary Eligibility Requirements
To activate the Smart Credit feature as an intermediary, you must meet:
- ✅ 50+ completed orders successfully delegated
- ✅ 4.5+ star rating from clients
- ✅ Dispute rate less than 5% of total orders
- ✅ 6+ months active membership on the platform
- ✅ Fully verified account (identity + bank details)
When requirements are met, the Smart Credit feature appears automatically in your intermediary dashboard.
Feature Activation and Payment Tracking
Activating Smart Credit
- Go to Account Settings in your dashboard
- Enable the Smart Credit option
- When receiving a request from an eligible client, the "Allow Pay Later" option will appear
Payment Tracking
In your dashboard, you can monitor:
Risks and Platform Protection
⚠️ Credit Risks for Intermediaries
As the guarantor intermediary, you bear the following risks:
- Late Payment: Client may miss the payment deadline
- Non-Payment: In rare cases, client may not repay
- Responsibility to Tutor: The tutor receives their earnings regardless of client repayment because you are the guarantor
🛡️ Platform Protection
The platform provides you with the following protection:
- Reminder Notifications: Automatic notifications to clients with overdue payments
- Client Account Suspension: Suspension of defaulting client's account
- Credit Record: Recording non-payment in client's history
- Credit Ban: Defaulting client cannot use credit again
Frequently Asked Questions
Is the tutor affected by Smart Credit?
No. The tutor receives their earnings normally. You as the intermediary are the guarantor and responsible for collecting the amount from the client.
What if the client doesn't repay?
The platform follows up with defaulters and takes actions (account suspension, negative report). However, as the intermediary, you bear the risk of non-payment since you are the guarantor.
What is the repayment grace period?
The grace period is 30 days from the service delivery date. The client can repay in full or in installments.
Can I disable the feature?
Yes. You can enable or disable Smart Credit from your account settings at any time. Disabling does not affect existing credits.
Is it different from the tutor Smart Credit?
Same concept, but as an intermediary you manage the relationship between client and tutor. Read the Tutor Smart Credit Guide for comparison.
