Turn browsers into buyers.
Turn browsers into buyers.
Make it seamless for your customers to split their purchases into instalments. Benefit from a smooth setup experience and our unparalleled industry expertise.
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Get started with Payl8r
Upgrade your checkout and watch sales grow
Upgrade your checkout and watch sales grow.
Our split payment system connects seamlessly with your online checkout to offer your customers true financial flexibility. With plans ranging from 30 days up to 18 months, buyers can spread the cost of purchases to suit them, whilst helping you to maximise every sale. It’s a win win.

We consider all credit types.
We consider all credit types.
Don’t miss out on sales. We help you reach the widest demographic by considering applicants from all credit backgrounds, including those with
Thin credit
CCJs
Blemished files
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.










Results from our retailers
Bigger orders, happier customers & no risk.
Bigger orders, happier customers & no risk
We pay our retail partners within 24 hours
Increase conversion rates by up to 30%
Average transaction value of £450 when using BNPL
From zero interest to longer term interest bearing options
Tailor made finance solutions for your business.
Tailor made finance solutions for your business.

Payl8r Zero
Let customers spread the cost of purchases up to 3 months 0% interest.

Payl8r+
Give your buyers the best of both worlds. 3 months 0% interest or payment plans over 6, 9, 12 months (interest bearing).

Payl8r Premium
Offer shoppers more flexibility with longer payment plans. Interest bearing.
Saying yes to more responsible credit
Approving more customers for affordable finance.
Approving more customers for affordable finance.
We review and accept more customers, more responsibly with Open Banking, with most customers receiving an instant decision.

We send funds within 24 hours of an accepted student payment.
An Introducer Appointed Representative (IAR) status allows you to advertise and offer your customers Payl8r’s regulated finance product. Payl8r supports you along the way through expert onboarding and provides IAR toolkits and training to make this a simple and efficient process.
With Payl8r as your Principal Firm, there is no requirement for your business to apply directly with the FCA for authorisation. Furthermore, Payl8r is accountable for any regulated credit activity that your business carries out.
We can integrate with a huge variety of website platforms. Including:
Magento
WordPress
Shopify
Woocommerce
SquareSpace
BigCommerce
And we can create custom integrations for bespoke sites.
To become a Payl8r partner you must have 3 months trading history. No minimum turnover required.
Yes, we use Open Banking to assess applicants affordability, allowing us to say yes more responsibly.
Approval process
Your Payl8r approval will take between 1-2 days providing you submit all requested documents on time.
System set up
Payl8r by link: 1-2 days
Web integration: If you are using our integration service we aim to have you live within 2-5 working days.