What is buy now pay later?
Buy now pay later is a shopping cart plugin payment option that enables customers to delay paying for a product or service for an agreed period of time – hence the name ‘buy now, pay later’.
If you want to offer customers the option to spread the cost of a smaller purchase for up to 6 months, this could be a great way to increase sales and boost basket value.
A buyer’s guide to Retail Finance How does Retail Finance work?
We provide both the technology and lending capabilities for your solution, meaning we handle every aspect of your integration. Whether its via a platform app, API or headless solution, we’ve got it all covered.
Choose your preferred finance instalment option.
Fill out our quick and simple information form to get started.
Get approved in seconds for your finance option.
Tell us where to collect your instalments from.
We’ll send you an email once your order is confirmed.
More sales, less risk
Our robust, holistic approach and unique credit decision engine enables us to accept more customers than other pay later solutions.
As a fully regulated lender, we’ve modelled our short and longer term finance journeys to follow the guidance of the Financial Conduct Authority – so you, your business and your customers are in good hands.
Our award-winning retail finance solution is helping UK merchants boost their revenue. Whether you’re new to finance or are looking for a change, find out what you could achieve with our Approval Calculator.
Try our Approval Calculator 
What are the risks of using buy now pay later?
When used correctly, buy now pay later is an excellent way to fund short-term, small-ticket purchases and even helps build up credit scores. However, some providers are not clear enough about the risks associated with failing to make a payment on time, or missing one entirely.
We are regulated by the Financial Conduct Authority and ensure that all of our finance journeys mirror guidance which keeps you, your business and your customers safe.
Why we’re different
We uniquely combine the benefits of being a bank with the agility, culture and digital capabilities of a fintech.
How does BNPL work for businesses?
Merchants using our buy now pay later solutions benefit from increases sales, boosted average order value and a competitive edge.
As your finance provider, we’ll deliver a seamless application journey for your customers. Once they’re approved for finance and have their order delivered, we’ll pay you in full for the purchase, then handle collecting the instalments.
How can Buy Now Pay Later help my business?
Our buy now pay later solutions are helping merchants across a wide range of sectors, from furniture to healthcare.
Thanks to our track record of delivering high approval and conversion rates, merchant using our buy now pay later solutions have seen strong growth outcomes.
Book a Demo
Our credit engine is so seamless, we can demo our solution in minutes. Experience our transformative customer journey in real-time and book a slot with our experts now.
What our merchants say
Read more about how we’re delivering results for merchants in your sector
How we helped Swyft increase revenue by 65% with A/B testing for optimised credit sales.
Simply Baby increased sales, boosted credit approvals and turned more browsers into buyers with Zopa.
Helping MuscleSquad drive a 545% basket value increase with flexible retail finance.
