6. Eligibility Check

Once customers are engaging with FlexPay finance offers either through the tile, or for a specific product or basket via the tagline, they will be invited to check directly if they will qualify for Black Horse FlexPay.

Helping consumers to establish their eligibility wherever they are on your site, particularly outside checkout, can help unlock additional sales, and often even larger basket sizes.

Implementation of this step could not be more simple - there is nothing for you to do! As long as the FlexPay Widget is opened, for example using flexpayWidget.promotionalInfo(), customers can check eligibility.

They can simply select the 'Will I qualify?' button in the FlexPay Widget at the bottom of the Black Horse promotional splash detailing available finance offers. This will then open up the simple eligibility form.

After being prompted to enter basic personal and income information, your customer will be told straight away if they are likely to be eligible for FlexPay including their likely available credit limit.

Eligibility Result

If approved (subject to final checks), your customer can save their quote with an email address and a passcode so that it is available to them for up to 30 days - even if they leave your site and return later.

If you want to capture the outcome of your customer's eligibility check, you can create a Javascript event listener to listen for a postMessage from the FlexPay widget with details of the pre-qualification result:

let financeInfo;

window.addEventListener('message', (m) => {
  if (m.data.message === 'PREQUALIFICATION_ACCEPT') {
    financeInfo = widget.financeInfo('blackhorse-flexpay', {price, initToken}, 'v2.0')
		// add your function here to act upon the updated finance info including eligibility outcome
}));

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Eligibility Beacon
If a customer's eligibility check outside checkout is successful, then the tile (if shown on your website) will automatically update with alternative text to signpost that the customer is pre-approved and their available line of credit. This acts as a beacon to encourage the customer to checkout with finance.

Don't forget that if a customer is not eligible for FlexPay, they can choose to check their eligibility with our secondary lender, NewDay - without the need to complete another full application. You will need to follow the dual lender integration steps.

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Ineligible Customers
If we determine that your customer is not eligible for FlexPay, or the secondary lender, we will automatically hide the tile on your site to prevent the customer interacting further with finance.

If a customer has not completed any eligibility check they will be able (and required) to do so in checkout - after having selected Black Horse FlexPay as their chosen method of payment for completing a purchase.