Why Pay4Later?
With traditional point of sale finance the retailer does all the work. Filling out the credit application forms, printing copies for the customer and the bank. If the customer isn't physically present, you'll have to post it to them...and call to remind them to post it back. If there's a mistake, start again. It's no wonder that many retailers don't offer finance.
Designed from the ground up around a paperless e-signature process, Pay4Later redefines point of sale finance for the digital age. Now you can offer credit in-store, on your web site and even by email. Customers get an instant decision and can sign their credit agreement on screen. No paper forms, no waiting, no hassle.
Pay4Later is a potent sales tool that can deliver spectacular results. Retailers report incremental sales of up to 40%, average order values up to 300%, all with a low customer acquisition cost. Which means offering credit promotions from Pay4Later can make a massive difference to your bottom line.
Attract new customers
Proven to increase retail sales by up to 40% and average order values by up to 300%.
Offer 0% Interest Free Finance
Offer your customers a range of promotional finance products including interest free credit.
Customers get an instant decision
After completing a simple form customers get an instant decision. No hassle and no waiting!
eSignature paperless application
No paper forms. No sending forms in the post. No PDFs. Completely online.
NEW! In-Store Finance Calculator
Revolutionary web application that completely reinvents how finance is sold in-store.
Service Highlights
- eSignature application process
- increases conversion and delivers a great customer experience - A true multi-channel solution
- offer credit in-store, online and by email via one sophisticated platform - Seamless web site integration
- customers can complete their purchase in less than 5 minutes entirely online - Support for popular shopping carts
- add Pay4Later to your site in just a few clicks - Daily settlement by BACS
- no paper finance agreements so retailers get paid immediately - Industry leading acceptance rates
- as much as 20% higher than other retail finance companies - Wide range of finance options
- £300 to £24,000 over terms from 6 to 48 months, including 0% interest free credit - Introducing Finance Calculator
- completely reinvent how finance is sold in-store - Retailer BackOffice
- powerful and easy to use account management and reporting system - CreditSentry
- identify and prevent fraudulent finance applications - Email Credit Links
- send a personalised finance offer email with just a couple of clicks - Pay4Later API
- enables retailers to automate the management of finance - Unique Self Service Concept
- ensures privacy and minimises retailer staffing requirements - Interactive pre-contract explanation videos
- dramatically reduces the time taken to complete a credit application and greatly simplifies legal compliance
