Flexible Checkout Finance for Merchants

Checkout finance allows shoppers to spread the cost of a purchase at the point of sale, instead of paying the full amount upfront.

With checkout finance, customers choose a repayment plan during checkout, while the merchant receives payment upfront. In the UK, checkout finance is often used for high-value goods and services and is offered in line with consumer credit regulations and affordability standards.

Offering Payl8r can increase average order values, improve conversion rates, and attract more customers by allowing customers to split the cost. Merchants get paid upfront while customers pay over time, helping to improve cash flow and reduce abandoned carts.

All results are subject to performance and not guaranteed.

Payl8r works with UK-based B2C businesses that sell products with average order values under £3,000. We partner with retailers across various sectors including eCommerce, home improvement, furniture, electronics, automotive, training courses and more. To find out if your business qualifies for Payl8r, please get in touch with our team at [email protected] or via our enquiry form.

Merchants receive payment upfront from Payl8r, typically within 1 business day of the customer’s purchase being approved. This improves cash flow as you don’t wait for customers to complete their payment plans.

Payl8r operates on a flexible rate model. The exact rates depend on your business type, size and expected volume. Contact our team on [email protected], or via our enquiry form for a tailored quote that matches your business needs. Information on our standard product plans can be found here.

Payl8r offers straightforward integration options including plugins for major ecommerce platforms, API integration for custom solutions, and point of sale options for in-store purchases. Our technical team provides full support throughout the integration process.

Yes, Payl8r works flexibly alongside your existing payment options. You can add us as an additional finance option alongside BNPL providers or other short-term split payment solutions, giving customers more choice at checkout. Alternatively, we can sit behind your prime finance provider as a second-line solution, automatically catching customers they decline and recovering sales that would otherwise be lost. For more on our second-line retail finance solution, visit our second-line page.

Yes, Payl8r checkout finance is available both in-store and online. For online retailers, Payl8r can be plugged in to all major e-commerce platforms, offering a seamless checkout experience for your customers. For merchants operating in-store, we offer a Mailer link solution, allowing retailers to send finance application links to customers’ inboxes whilst they shop.

Yes, all Payl8r merchants receive support to promote checkout finance, and our premium plan includes a full launch marketing pack with ready-to-use materials. For details on what’s included, check out our pricing page.