Attract More Customers with
Payl8r Retail Finance.

Unlock a wider audience with our custom retail finance solutions.

For business only.

For business only.

Flexible finance for your customers.

Flexible finance for your customers.

Dynamic retail finance solutions for businesses. Partner with us to offer your customers split payment options at checkout.

0-24 month plans

Our finance plans run from 0-24 months to offer your customers true financial flexibility.

Seamless integration

Plug Payl8r into any eCommerce platform or your custom site with the help of our Integrations team.

24 hour payout

Receive payment within 24 hours of every accepted order, guaranteed.

Smiling business woman enjoying seamless buy now pay later options for businesses

Why Partner with Payl8r?

Why Partner with Payl8r?

We make offering retail finance to customers easier than ever.

Tailor your system

Create the perfect system for you and your customers with our range of additional features and plugins.

Built-in IAR Status

Become an IAR under our FCA license. Offer regulated credit without needing to apply for your own permissions.

Learn more.

Instore & Online

Offer flexible finance to your customers wherever they shop with our instore & online solutions.

Multi-credit options

Choose from our range of credit options, from short term 0% BNPL to consumer credit plans up to 24 months.

Already have a finance provider? Add Payl8r to your checkout to pick up declines.

We say yes to more people.

We say yes to more people.

Our agile approval model allows us to review and accept more customers, more responsibly.


Our use of Open Banking allows us to perform enhanced affordability checks on those with thinner, or less-than-perfect credit files.

Counter Offers

If your customer isn’t eligible for their chosen finance plan, we’ll try to offer them an alternative to help push the sale through.


We know one size doesn’t fit all so we use a rate-for-risk model to give customers from all credit backgrounds access to credit.

Tailor-made finance solutions for your business.

Tailor made finance solutions for your business.

Choose a ready-made product from our range of solutions or speak to us about our bespoke builds, created just for you.

Smartphone showing Payl8r Zero product with 0% interest buy now pay later plans for customers

Payl8r Zero

Let customers spread the cost of purchases over 30, 60 or 90 days at Zero interest. 

Smartphone showing Payl8r+ product with 0% interest and extended buy now pay later plans


Give your customers the best of both worlds. 3 months 0% interest or payment plans over 6, 9, 12 months (interest bearing).

Smartphone showcasing Payl8r Pro with selectable buy now pay later interest-bearing plans for customers

Payl8r Pro

Bespoke finance solutions available for large enterprises.

We integrate with all eCommerce platforms.

We integrate with all eCommerce platforms.

Our payment solutions plugin to all major eCommerce platforms, or we can create a bespoke system just for you.

Start offering finance to your customers with Payl8r.

Enter your details to request a call back within one business day.

Please ensure that your business meets the following requirements:

  • Trading over 3 months
  • Registered in the UK

Not a business? Head over to our customer homepage for more information.

Payl8r Logo - White

Payl8r are pioneers of fair and responsible lending.

Contact Us

Social Money Ltd t/a Payl8r, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner’s Office under reference number ZA026178.

© Payl8r | All Rights Reserved

Request a demo today.