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Ayan Pay
A shop assistant holding a phone beside a green fabric sofa with fabric swatches on a side table

Retail finance for small businesses

Offer your customers 0% payment plans, with no website integration or new hardware.

Get startedSee how it works
0%
Interest on every payment plan
Up to 12 months
Plan length

Finance for their purchase.
Not a loan for your business.

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Retail finance lets your customer spread the cost of a purchase while you are paid in full. It is not a loan for your shop — the agreement sits with the customer and the finance provider.

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.

Explore customer financing solutions

How it works

  1. 1

    Your team

    Create the purchase request

    Add the item and price in your merchant portal.

  2. 2

    Your team

    Send the link

    Share the application link with your customer.

  3. 3

    Your customer

    Apply on their own device

    They review the purchase and complete the application.

  4. 4

    Your team

    Follow the application

    Manage applications and their progress in one place.

Questions small
retailers ask

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.

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.

Ayan Pay supports 0% payment plans over 3, 6, 9 or 12 months. The minimum purchase amount is £300 and the maximum is £5,000 per agreement.

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

Start offering finance to your customers

Leave your details and we will get in touch to set you up and train your team.

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