Retail finance providers in the UK
Offer your customers 0% payment plans, with no website integration or new hardware.
- 0%
- Interest on every payment plan
- Up to 12 months
- Plan length
Finance for their purchase.
Not a loan for your business.
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.
What to compare between providers
Here is where Ayan Pay stands on the points businesses ask about most.
What to compare
Ayan Pay
- Cost to your customer
- 0% on every payment plan
- Plan length
- 3, 6, 9 or 12 months
- Customer application
- On their own device
- Setup for your business
- No website integration or new hardware
How it works
- 1
Your team
Create the purchase request
Add the item and price in your merchant portal.
- 2
Your team
Send the link
Share the application link with your customer.
- 3
Your customer
Apply on their own device
They review the purchase and complete the application.
- 4
Your team
Follow the application
Manage applications and their progress in one place.
Questions about
finance providers
What does a retail finance provider do?
A retail finance provider lets your customers pay over time instead of all at once. Ayan Pay runs it end to end: your customer pays in interest-free instalments, you get the full amount upfront.
What should I compare between retail finance providers?
The cost to your customer, the plan lengths available, how the application is completed, and what your business needs to set up. With Ayan Pay the customer pays 0% over 3, 6, 9 or 12 months, applies on their own device, and you need no website integration or new hardware.
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.
What payment terms can we offer?
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.
What checks are part of the application?
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.