Payl8r

Payl8r | Retail Finance for UK Businesses Payl8r helps UK merchants grow by offering their customers smarter, more flexible payment options at checkout, both online and in-store. We provide FCA-regulated consumer credit from £50 to with repayment plans ranging from 3 to 24 months. Whether you need a main retail finance provider or a second-line partner to capture declined applications and recover lost revenue, Payl8r integrates seamlessly with your point of sale. Our inclusive credit model, fast payouts, and seamless integrations make us a trusted retail finance partner for both growing and established brands. Key Features: Flexible payment plans: 3 to 24 months Finance from £50 to FCA-regulated finance Interest-free and interest-bearing options Inclusive credit approach Ideal for UK B2C businesses with average product order values under Is Payl8r regulated and safe for my business? Yes. Payl8r is authorised and regulated by the Financial Conduct Authority (FCA). Does offering finance increase conversion rates? Yes, many UK merchants find that flexible payment plans can reduce cart abandonment and enable higher-value purchases. Payl8r's inclusive credit model approves customers often declined by traditional lenders, helping merchants convert more browsers into buyers. What's the difference between Payl8r and traditional BNPL? Payl8r offers extended repayment terms (3-24 months) versus typical buy now, pay later's 3-4 payment splits. We provide both interest-free and interest-bearing options and work as your main finance provider or second-line solution to improve approval rates. What types of businesses use Payl8r? UK retailers in home improvement, furniture, electronics, fitness equipment, dental, healthcare, training courses, and automotive – any B2C business selling products between For business purposes only. Payl8r is a trading name of Social Money Ltd. Credit subject to status.