# Offer interest-free split payments > Offer eligible customers 0% payment plans through one link. No website integration or new hardware. Your customer pays in instalments, you get paid upfront. Canonical: https://ayanpay.co.uk/ Don't lose another sale. Instalments for up to 12 months ## Retail finance made easy ### We set you up and train your team A real person gets you live, trains your staff and stays one call away ### Fast credit decisions Lightning fast scoring and simple application flow for clients ### Get paid quickly You get the full amount, we take the credit risk, not you - [Offer finance to customers](https://ayanpay.co.uk/retail-finance-for-small-business) - [Retail finance providers in the UK](https://ayanpay.co.uk/retail-finance-providers) ## How to get started? ### Apply Quick and easy application process. No integration needed. ### Offer Offer interest-free finance to your customers ### Get paid Receive payments daily or at a frequency convenient for you ## How retail finance works - **Create order** with the item and price in your dashboard - **Send link** to client with the offer - **Client confirms** order and completes application ## Start offering with Ayan Pay Boost your sales ## Questions Worth Asking ### What is Ayan Pay? 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. ### How does Ayan Pay work for merchants? 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. ### What does the customer do after receiving the link? 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. ### What checks are part of the application? Applications are assessed using affordability, credit, identity and fraud checks. Not every application will be approved. ### Do we need a website integration or new hardware? 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. ### How is business and customer data protected? 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](https://ayanpay.co.uk/privacy-policy). ### What payment terms can we offer? Ayan Pay supports 0% payment plans over up to 12 months. The minimum purchase amount is £100 and the maximum is £5,000 per agreement. ### What is customer financing? 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. ### How do I offer finance to my customers? 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. Still have questions? Contact us - [WhatsApp us](https://api.whatsapp.com/send/?phone=442038020292&text&type=phone_number&app_absent=0) - [Email us](mailto:support@ayan.co.uk?subject=Ayan%20Pay%20enquiry) ## Backed by experience you can trust - **12 years** Experience in banking and finance - **10 million+** Customers trust [Alif Bank Group](https://www.alif.holdings/), built by our founders ## Come see us in London - 4th Floor, 1 Kingdom Street, London W2 6BD - Everyday 9 AM – 6 PM - Phone and WhatsApp +44 20 3802 0292 ## Regulatory information © 2026 Ayan Capital Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: [1022208](https://register.fca.org.uk/s/firm?id=001Sk00000MbwZqIAJ)). Registered in England & Wales, (Company No.: [15123809](https://find-and-update.company-information.service.gov.uk/company/15123809)) with the office at 20 Wenlock Road, London, England, N1 7GU. Compliant with Data Protection Regulations 2018 under registration [ZB613240](https://ico.org.uk/ESDWebPages/Entry/ZB613240). FCA regulation applies only to certain regulated activities, and not to all services provided by Ayan Capital Ltd. As a responsible finance provider, we assess all applications carefully to ensure affordability and suitability. All credit is subject to status, affordability checks, and terms and conditions.