Developers

Integrating Pay4Later

Integrating Pay4Later into your ecommerce website increases sales, conversions and average order values. There are two elements to a Pay4Later integration – marketing finance on your site and adding a finance checkout option.

The process begins when a consumer selects a finance option at checkout. A secure credit application form (hosted by Pay4Later) is displayed with the retailers branding. The consumer fills out the form, then checks the e-signature box to sign their credit agreement and submit their application. A decision is returned in around 5 seconds. If the credit application is accepted, the consumer is prompted to pay their deposit using a credit or debit card. Upon receipt of the deposit the process is complete and the consumer is redirected to a URL specified by the retailer - typically an order confirmation page.

As the agreement is executed online there is no paper and no delays. This means the consumer can complete their purchase, entirely online, in just a few minutes. In the background a Credit Status Notification (CSN) is instantly sent to the retailer (by email, as an https POST or both). CSN's enable retailers to automate the management of finance orders.

Marketing

To maximise the benefits of Pay4Later, it's essential to promote your finance offering from the moment a consumer arrives on your site.

Pay4Later offers developers a choice of javascript and soap based finance calculators that enable you to display "penny accurate" repayments to consumers on category, summary and product information pages. Click below to see some examples.

Shopping Carts & Checkout Integration

Pay4Later is integrated with a growing list of popular shopping cart software including Magento, osCommerce, Volusion and CS Cart. Please contact us for a up to date list of carts, sample code and plugins. If the shopping cart you want to use isn't listed simply let us know and we can usually add it.

Developer Resources

We provide a wealth of resources to help retailers including detailed integration and user guides, sample code and finance marketing guides. Click here for details.

If you require further information or technical support please email retailersupport@pay4later.com or call 0800 021 7150.