Turn declines around with Payl8r PickUp.

Already got a first-line lender? Add a second finance layer to your checkout to boost sales.

For business only.

Pick up more sales.

Tired of losing sales to declines?
Safeguard your checkout with Payl8r PickUp.

If any of your customers are declined by your first-line lender, our plugin can sit invisibly at checkout and automatically pick up those who are declined.

How does it work?

Payl8r PickUp integrates into your ecommerce checkout seamlessly to automatically redirect declined customers to our online application. If accepted, the customer’s order will be confirmed and you’ll receive payment within 24 hours.

How do we assess applicants?

Using enhanced affordability checks with Open Banking we’re able to assess and accept customers based on their current financial situation. With personalised rates and finance offerings for each applicant we go the extra mile to try and give both you and your customer a yes.

The first choice for second line.

Our system aims to maximise acceptance, so you don’t miss out on sales.

Auto-redirect declines

To ensure a seamless checkout journey, our plugin can automatically pick up declines from your first-line lender.

All credit types considered

We review applicants from all credit backgrounds, including those with thinner credit files to help you reach a wider audience.

Next day payments

We pay merchants within 24 hours of an accepted customer order, so you can keep things flowing.

0-24 month plans

Our finance plans run from 30 days to 24 months to give your customers true flexibility over their purchases.

“1 in 3 adults in the UK may have difficultly accessing credit”

PwC, Overlooked and financially under-served report, 2022

The future of retail finance.

As the subprime lending market continues to shrink, more customers are losing access to affordable, responsible credit options. By leveraging our innovative ‘rate for risk’ model and enhanced affordability assessments we’re leading the way towards a sustainable future of finance that serves both merchants and shoppers.

For more, read our article on ‘Navigating the Shrinking Subprime Market‘.

How does 'Rate for Risk' work?

We understand that one size does not fit all when it comes to finance. Our ‘rate for risk’ model offers personalised rates that accurately match the borrowers risk profile, allowing us to serve the diverse demographics of shoppers today.

How do you use Open Banking?

If we cannot accept a customer based on their credit profile alone, we may ask them to connect their bank account via Open Banking. With a clearer idea of the applicant’s financial situation via digital bank statements, we can review those with thinner credit files, who may otherwise struggle to access credit.