Systems, apparatus, and computer program products are provided that allow for a credit partner, such as a retailer, to process a customer credit card application at multiple point-of-sale/point-of-contact channels, such as a manned or self-service cash register, a manned or unmanned kiosk, partner web site, a call center or the like and, if the customer is approved, allow for the customer to transact using the approved credit account at the credit partner location/site. The systems, methods and computer program provide for integration of the credit application system within multiple point-of-sale channels without requiring a large degree of customization and/or configuration at the credit partner level. In addition, embodiments support both active and passive instant credit decision processing.