Offer interest‑free split payments

Ayan Pay is a regulated Deferred Payment Credit (DPC) product provided by Ayan Capital Ltd, which is authorised and regulated by the Financial Conduct Authority. It helps businesses offer eligible customers 0% payment plans through one link.

Your team adds the customer and purchase details, chooses the payment term and sends one link. The merchant portal provides an overview of applications and their current status. Your team can open a purchase request to view progress, give team members their own portal access, export application records and contact Ayan Pay support.

The customer reviews the purchase and completes the application on their own device. They provide personal and financial details, and the application is assessed using affordability, credit, identity and fraud checks. If approved, they review the payment breakdown, sign the agreement, set up Direct Debit and make the first payment by card. After purchase, they can view their plan, payment schedule and payment history in their account.

Applications are assessed using affordability, credit, identity and fraud checks. Not every application will be approved.

No. Your team creates the purchase request in Ayan Pay's merchant portal, sends the customer a link and manages applications and their progress in the same portal.

Personal data is encrypted in transit and at rest. Access is limited to authorised team members, monitored and logged. Ayan Capital Ltd is registered with the Information Commissioner's Office (ZB613240). More information is available in our Privacy Policy.

Ayan Pay supports 0% payment plans over 3, 6, 9 or 12 months. The minimum purchase amount is £100 and the maximum is £5,000 per agreement.

It's when a business lets customers pay over time instead of all at once, usually through a finance provider. Ayan Pay runs it end to end: your customer pays in interest-free instalments, you get the full amount upfront.

Sign up with Ayan Pay — we set you up and train your team, no website integration or new hardware needed. From there you create the order, send the customer a link, and they complete the application.