Credisense Trade Credit vs Onguard CreditManager

Credisense Trade Credit is web software for managing trade account applications, credit decisions and ongoing account oversight across New Zealand and Australia. Branded online forms collect applications, guarantor details, trading names and supporting documents. The platform checks bureau, company, director, identity and AML/KYB information in real time, then scores results against policy to recommend credit limits and terms. Approved accounts can be created in an ERP, with agreed terms and limits written back. After approval, teams can schedule reviews, adjust limits and receive alerts about adverse signals. Workflows coordinate approvals and documents and can hand off to collections when needed. Connections span credit bureaus, identity and biometric providers, financial and property data, verification services and workflow systems; named connections include Equifax, Centrix, illion, Experian, CreditorWatch, GBG, DocuSign, ASIC and NZ Companies Office. The platform states that it uses encryption in transit and at rest, role-based access and audit controls. It also supports maker-and-checker controls and auditable, reconstructable decisions. Pricing is on request.

Onguard CreditManager is a cloud-based system for automating credit-management and collections work. Credit and finance teams can configure dunning workflows, segment customers, manage disputes and apply collection rules for subsidiaries. Credit scoring uses internal and external data, alongside cash-flow forecasts and performance indicators. Dashboards and an agenda provide near-real-time views of tasks, payments, KPIs, performance and risks. The Customer Portal lets customers view or download invoices, pay online, register payment notices, raise disputes and ask questions; it supports mobile devices and is available with CreditManager version 3.19 and later. Onguard says the service works with SAP, Oracle, Microsoft Dynamics and AS400, plus Marketplace APIs and web services. It runs on Microsoft Azure public cloud through a browser over HTTPS. Listed protections include TLS 1.2 or higher, single-tenant databases, a 99.8% uptime SLA and four-hour target recovery during business hours. Pricing is on request.