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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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.

How buy now pay later works for business

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


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.

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Woocommerce Logo
Wordpress logo
cs cart logo
wix logo
bigcommerce logo
Magento Logo
Squarespace Logo
Open cart logo
prestashop logo

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

Payl8r Zero

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



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

Payl8r premium

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. 

Buy now pay later for business
When does my business receive payment on sales?

We send funds within 24 hours of an accepted student payment.

What does it mean to be an IAR on Payl8r's FCA license?

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.

Which website platforms are accepted?

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.

Does my business meet the minimum criteria?

To become a Payl8r partner you must have 3 months trading history. No minimum turnover required.

Do you use Open Banking?

Yes, we use Open Banking to assess applicants affordability, allowing us to say yes more responsibly.

How long does the setup process take?

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.

Sell smarter with Payl8r. Sign up today.

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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.

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