Buy now, pay later

Nivoda Capital


I'm New to Nivoda

Want to hear how Nivoda Capital can benefit your business or how to get started?

I'm a Nivoda Customer

Have you got any queries about your account or would like to apply for a higher credit limit?


Who is Kriya?

Kriya, formerly MarketFinance, is a leading FinTech, facilitating businesses with credit and payment terms.

How does it work?
  1. Use Nivoda as usual by adding your chosen items to your cart.
  2. If you have been approved for credit, you will be able to select your preferred payment terms at the checkout screen.
  3. Once confirmed, your order is guaranteed and will arrive as usual.
  4. Your invoice will be issued when we ship your order to you.
  5. You can make payment via wire transfer or automatically via Direct Debit.
How much does it cost?

To use Nivoda Capital’s flexible checkout options, we charge a percentage of your order value.

  • Pay in 30 days – 1.25%
  • Pay in 60 days – 2.50%

There are no hidden costs or extra charges.

Who will pay for my order?

With Nivoda Capital, your order payment is facilitated by Kriya who provide the credit which you pay back via Direct Debit or wire transfer over your selected credit term.

Will this affect my credit score?

Before you can start paying later with Nivoda Capital, our credit partners will perform a soft credit search on your business to check if you’re eligible. These kinds of searches have no impact at all on your credit score. If you pass this, Nivoda Capital will be activated on your account. The first time you choose to pay with credit at checkout, a hard search will be made (this will only happen on the first purchase). The search will appear on your credit report. Multiple hard searches in a short period of time may affect your credit score.

What countries are eligible for Nivoda Capital?
  • Austria
  • Belgium
  • Canada
  • Denmark
  • Finland
  • France
  • Germany
  • Ireland
  • Israel
  • Italy
  • Luxembourg
  • Monaco
  • Netherlands
  • Norway
  • Spain
  • Sweden
  • Switzerland
  • UK
  • USA
How do I pay back earlier?

You can pay your outstanding balance* at any time by contacting Kriya if you are on Direct Debit or just transferring us the money if you use wire transfer.

* Term charges still apply

Contact the Kriya team