# Ayan Pay

> Ayan Pay is a regulated Deferred Payment Credit (DPC) product provided by Ayan Capital Ltd. It helps merchants offer eligible customers 0% payment plans through a payment link.

## Product

- Payment plans are available over up to 12 months.
- The minimum purchase amount is £100 and the maximum is £5,000 per agreement.
- Applications are assessed using affordability, credit, identity and fraud checks. All credit is subject to status, affordability checks, and terms and conditions.

## For merchants

Merchants create a purchase request in Ayan Pay's merchant portal and send the customer a link. The customer completes the application on their own device. Merchants can use the portal to follow applications and their current status. No website integration or new hardware is needed.

## Pages

- [Ayan Pay for UK merchants — Offer interest-free finance](https://ayanpay.co.uk/index.md): Offer eligible customers 0% payment plans through one link. No website integration or new hardware. Your customer pays in instalments, you get paid upfront.
- [About Ayan Capital — the company behind Ayan Pay](https://ayanpay.co.uk/about-ayan-capital.md): Ayan Capital Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1022208) and provides Ayan Pay, interest-free instalments for UK merchants.
- [UK retail finance providers — 0% payment plans | Ayan Pay](https://ayanpay.co.uk/retail-finance-providers.md): Comparing UK retail finance providers? Offer eligible customers 0% payment plans over up to 12 months through one link. No website integration or new hardware.
- [Offer finance to customers — Small business | Ayan Pay](https://ayanpay.co.uk/retail-finance-for-small-business.md): Offer finance to customers with Ayan Pay. No website integration or new hardware. Your team creates the purchase request and sends the customer a link.

## Legal

- [Privacy Policy — Ayan Pay](https://ayanpay.co.uk/privacy-policy.md): How Ayan Pay handles merchant and customer data across our instalments product.
- [Complaints — Ayan Pay](https://ayanpay.co.uk/complaints.md): How to raise a complaint with Ayan Pay, what happens next, when you’ll hear from us and how to refer your complaint to the Financial Ombudsman Service.
- [Cookie Policy — Ayan Pay](https://ayanpay.co.uk/cookie-policy.md): How Ayan Pay uses cookies and similar technologies, and the choices available to you.

## Optional

- [Full reference for AI assistants](https://ayanpay.co.uk/llms-full.txt): all the pages above in one file
- [Sitemap](https://ayanpay.co.uk/sitemap.xml): the HTML pages
- [Page catalog (JSON)](https://ayanpay.co.uk/api/md/_catalog): every page above with its URL, Markdown copy, title and description
- [AI usage policy](https://ayanpay.co.uk/ai.txt): how AI systems may use and cite this content