Elevate your checkout.

Supercharge your shopper’s experience with our seamless payment features.

For business only.

For business only.

Our product features.

Our product features.

Whether you’d like to offer Payl8r in store or online, our system is packed with a suite of features to help boost your sales, and give your customers real flexibility.

Zero deposit required.

Zero deposit required.

Unlike other buy now pay later providers, we offer your customers the chance to spread the cost of purchases up to 18 months, with no upfront payment needed to checkout.

Pre-approve your customers.

Pre-approve your customers.

Give your customers the option to apply for finance in advance.

We understand that every business’ checkout journey is different, so our pre-approval feature allows customers to apply and get accepted for finance without the need to start their loan agreement immediately.

Why do we offer this?

Pre-approvals are especially useful for beauty practitioners and training course providers who may require a pre-consultation appointment as part of their booking process, or register students in advance of their start date. Accepted customers will only begin their loan repayment once their appointment or service has begun, but will have the reassurance that they have been approved for finance beforehand.

We'll always counter.

We'll always counter.

Increase acceptance rates with our Counter Offer feature.

So that we can say yes to more of your customers, we’ll always try to find a plan that suits them.

If an applicant is not eligible for the plan they have selected, our algorithm will provide a more affordable counter offer rather than rejecting them.

Adjustable loan values.

Adjustable loan values.

Offer truly flexible finance to your customers with our adjustable loan feature.

How does it work?

Once customers have been pre-approved, merchants can adjust the value of the loan via their Payl8r Portal if the total has changed since checkout. Once confirmed by the customer, the loan will be automatically updated and approved, without the need for re-application.

Products for every demographic

Products for every demographic

Here at Payl8r, we offer a range of products to suit a variety of applicants, so you don’t miss out on potential sales.

360 degree audience

We consider applicants from all credit backgrounds, including those with thinner files and blemished reports.

Open Banking Accept+

We use Open Banking to review and accept more customers, by assessing their real-time financial situation.

Responsible Lending

As an FCA regulated lender, we ensure that all loans are affordable and responsible.

0-18 month plans

We offer a range of plans from 30 days to 18 months so that you can find the right options for your customers.

Become a Payl8r partner. Get in touch with us today.

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Payl8r are pioneers of fair and responsible lending.

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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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