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Understanding Credit Limits

Your ability to use Order Now, Pay Later depends on the credit limits set by Sevi.
These limits are based on your track record (as a buyer) and your supplier’s (seller).

If you reach a limit, you won’t see the Pay Later option — only Direct Pay will be available.

Common Credit Limit Messages​

Here are the most common messages you might see and what they mean:

Seller Reached Maximum Limit​

Message: Seller reached max of outstanding instalments

  • Your supplier has too many open orders on credit.
  • This limit is shared across all their buyers.
    What to do: Contact your supplier. Once their track record improves, their limit will increase.

Buyer Has Overdue Instalments​

Message: Buyer should first pay the open instalments

  • You (or your business) have unpaid instalments past the due date.
  • Can also include overdue instalments from other suppliers on Sevi.
    What to do: Clear overdue payments to unlock Pay Later.

Order Above Your Personal Limit​

Message: Order amount exceeds allowed buyer personal limit

  • Your combined orders are too high for your current credit profile.
  • This applies if you’re ordering as an individual or sole proprietor.
    What to do: Pay off some existing orders, or consider upgrading to a company account.

Order Above Company Limit​

Message: Order amount exceeds allowed buyer company limit

  • Your company has reached its maximum credit exposure across Sevi.
    What to do: Clear some existing instalments to regain access to Pay Later.

Seller Has Too Many Late Instalments​

Message: Seller exceeds more than 25% late instalments

  • More than 25% of your supplier’s instalments are overdue.
  • Sevi temporarily blocks new Pay Later orders until the supplier’s performance improves.
    What to do: Contact your supplier for more details.

How to Increase Your Limit​

  • Always pay on time or early.
  • Upload updated M-Pesa or Merchant statements in the Growth section.
  • Order regularly and responsibly.
tip

If you ever see one of these messages, it doesn’t mean you’re blocked forever — it simply means action is needed before you can continue using Order Now, Pay Later.