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How long does it take to set up?
We will review your application within 3 working days. If your application is provisionally approved (e.g. approved subject to satisfactory outcome of consumer credit licensing, company credit search, accounting thresholds and our standard KYC checks), 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 5 working days from receipt of all required documents (including your consumer credit licence if necessary) to configure and enable your account for live trading.
What size of business do you deal with?
We provide finance solutions for businesses of all sizes. We require that you have an annual turnover of at least £1,000,000, you trade profitably, that your business has a positive balance sheet and that you have been trading for at least 1 year. If you are a start up company or have less than 1 year trading history, we may be able to assist you but you'll need a business plan, proof of funding (opening balance sheet) and a proven track record. We may also require a personal indemnity or parent/inter company guarantee.
Do you accept applications from sole traders?
Yes, provided your business meets the minimum finance turnover threshold.
If my application is declined, will you refund my fees?
We cannot provide our services to all businesses, either for legal, reputational or financial risk reasons. If, after our initial assessment of your application, we decline to offer you an account, no setup fee will be payable. If you're provisionally approved (e.g. approved subject to satisfactory outcome of consumer credit licensing, company credit search, accounting thresholds and our standard KYC (Know Your Customer) checks) and we begin processing your application the setup fee will be payable in full and is non refundable.
Is Pay4Later Secure?
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.
My lender has refused my application for a retail finance account. Can you help?
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 sales team for a quick decision in principle.

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