We will review your application within 3 working days. If your application is approved, we will enable your test account so you can familiarise yourself with the system and train your staff whilst your account is being setup. If you plan to offer credit on your website we'll also send you an integration guide. It then typically takes a further 3 to 5 working days from receipt of all required documents to configure and enable your account for live trading.

We provide retail finance solutions for small, medium and large companies. We usually require that you have annual turnover of at least £250,000, you trade profitably and that your business has a net worth of at least £50,000. If you are a start up company, we may be able to assist you but you'll need a business plan, a proven track record and a strong opening balance sheet. We may also require an inter company or parent company guarantee.

Yes, provided your business meets the minimum finance turnover threshold.

We cannot provide our services to all businesses, either for legal, reputational or risk reasons. If, after our initial assessment of your application, we decline to offer you an account then we shall refund all fees in full, subject to our refund policy.

Security is an important concern for both the consumer and the retailer during an online transaction. In reality an online transaction is often more secure than a transaction in a shop or conducted over the telephone, as the information transmitted online is highly encrypted. The Pay4Later finance gateway uses proven techniques to ensure the security and integrity of sensitive data. Our public web servers are certified by Thawte, a leading Certificate Authority, ensuring that both the consumer and the retailer can have confidence that nobody can impersonate Pay4Later to obtain confidential information. Data storage on Pay4Later systems and the communication between Pay4Later and our partner lenders networks, is regularly audited to the highest standards to ensure a secure transaction environment. This includes regular third-party testing for vulnerabilities and reviews of application security and access control procedures.

We can often help in this situations as we work with a number of lenders, who each have a unique retailer acceptance criteria. Please contact our new business team for a quick decision in principle.