eCommerce finance options for your customers.
Give your customers the flexibility to spread the cost at checkout, helping you increase conversions, boost average order value, and win more high-ticket sales.
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Increase Sales with Flexible Finance for eCommerce
Built for Online eCommerce Retailers
Help customers complete higher-value purchases with flexible payment options that fit naturally into your checkout experience. Whether you sell specialist products, everyday essentials, or higher-value items, Payl8r integrates seamlessly into your online checkout journey, making it easy for customers to spread the cost.
Included with Payl8r Integration:
- Checkout finance from £100 to £3,000
- Full checkout finance solution and finance calculator
- Marketing assets to promote finance across your website and digital channels
Why eCommerce Retailers Partner with Payl8r
Flexible retail finance designed to support higher-value online purchases and help more customers complete checkout.
Flexible Payment Options for Online Purchases
Offer Finance at Checkout
Give customers the option to spread the cost during checkout with a quick application process designed to keep the online purchase journey simple.
Recover Declined Applications
If you already offer finance at checkout, Payl8r can sit as a second-line option to help convert applications your primary provider cannot accept.
Built for online eCommerce businesses like yours
We support a wide range of eCommerce sectors.
Musical Instruments & Gear
High upfront costs can lead to abandoned purchases for musical instruments, amps, and recording equipment. Payl8r enables music retailers to offer finance at checkout, helping customers spread the cost, increase conversion rates, and grow average order value.
Home Appliances
High upfront costs often make customers hesitate to buy expensive home appliances online. Payl8r lets eCommerce stores offer flexible finance at checkout, helping shoppers spread payments while boosting sales and average order value.
Automotive
High-value automotive purchases like car accessories, performance parts, and specialty upgrades can be a significant upfront cost for online shoppers. Payl8r lets customers spread payments, making it easier to get the products they want without compromise.
Sports Equipment
High-quality sports equipment from bikes and treadmills to golf clubs and tennis racquets can be a major investment, often creating a barrier to purchase. Payl8r enables customers to spread the cost with flexible payments, making premium gear more accessible without compromising on quality or performance.
Hair accessories
Hair extensions can be a significant investment, especially for high-quality, natural-looking options. Payl8r allows customers to spread the cost with flexible payments, making it easier to achieve their desired look without compromising on quality.
Designer Clothing
Fashion purchases can quickly add up, especially when customers want to keep up with the latest trends or invest in quality pieces. Payl8r allows shoppers to spread the cost with flexible payments, making it easier to update their wardrobe without compromising on style or budget.
Fast Setup for Ecommerce Retailers.
We support all major ecommerce platforms and offer bespoke builds.
Second-Line Finance for Ecommerce Retailers
Already offer finance? Give declined customers a second chance.
Turn declined finance applications into completed sales. When customers are declined elsewhere, Payl8r helps you recover missed purchases and keep more online sales moving.
When a customer is declined by your primary lender, Payl8r steps in with alternative approval options, helping you retain revenue that might otherwise be lost at checkout.
Our flexible underwriting reviews a wider range of credit profiles, helping you complete more online purchases from £100 to £3,000.
Payl8r integrates seamlessly alongside your existing provider, creating a smooth customer journey without interrupting your checkout.
If a customer doesn’t qualify for their first choice, we may offer an alternative plan, keeping the purchase on track and helping more customers complete their orders.
Frequently Asked Questions for Ecommerce Retailers
Which ecommerce platforms does Payl8r integrate with?
Payl8r can integrate with major ecommerce platforms including Shopify, WooCommerce, Wix, and Magento, making it easy for merchants to offer flexible finance at checkout. Bespoke options are also available.
Is technical development required to install Payl8r?
We offer a range of finance solutions with varying levels of integration support required. Our development team is always on hand to help with any technical integrations.
How long does integration usually take?
Integration time depends on the platform and product, but for most merchants setup can be completed quickly once account approval is in place and platform credentials are connected.
How does Payl8r appear at checkout?
Once activated, Payl8r is displayed as a payment option during checkout, allowing customers to choose monthly instalments alongside other payment methods. If using our second-line option, Payl8r is only visible once the customer has been declined by the primary lender at checkout.
Does Payl8r affect the existing checkout flow?
No. Payl8r works within the existing checkout journey, adding a finance option without disrupting the customer experience. If second-line, Payl8r only appears after the customer receives a rejection from the primary lender, ensuring a smooth customer journey.
Are affordability checks completed during checkout?
Yes. Payl8r uses credit checks and real-time affordability assessments where necessary during checkout so customers receive an instant decision before completing their purchase.
How are orders managed after payment?
Orders processed through Payl8r flow through the merchant’s ecommerce platform like standard orders, while Payl8r manages repayment collection directly with the customer.
Is Payl8r suitable for growing ecommerce brands?
Yes. Payl8r can support online retailers looking to improve accessibility, basket value, and customer choice.
Can Payl8r support different product categories online?
Yes. Payl8r can work across a wide range of online sectors, particularly where customers are making higher-value, considered purchases.
When does the merchant receive payment?
Merchants are paid within 1 business day of an accepted order , while Payl8r handles the customer’s instalment schedule separately.
Can Payl8r be added to product pages as well as checkout?
Yes. Merchants can also display finance messaging on product pages to show customers monthly payment options earlier in the buying journey.
Does integration help improve conversion?
Offering flexible finance can help reduce hesitation at checkout, support higher basket values, and make larger purchases more accessible.
Does Payl8r work within my existing checkout?
Yes. Payl8r is added as an additional payment option within your existing checkout process.
Can customers apply for finance directly online?
Yes. Customers complete the Payl8r application during the checkout process and often receive a decision in real time.
Are affordability checks completed instantly?
Yes. Payl8r uses real-time affordability assessments via Open Banking, integrated within the application process itself to support quick customer decisions. Some decisions are referred to a underwriting team to review affordability manually.
Do customers need to leave my website to apply?
The application journey is designed to remain smooth and connected to the checkout experience within your existing eCommerce store
Does Payl8r affect order processing?
Orders continue through the ecommerce platform as normal after payment approval.
Is Payl8r difficult to install on an online store?
No. Integration is designed to be straightforward through plugins, extensions, or platform-based setup.
Add Finance to Your Online Store Today
Ready to offer finance and grow your business?
Complete the form to get started.
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- 0161 425 6363