The document discusses Pay4Later, a service that allows retailers to offer financing options to customers. It highlights key benefits such as higher approval rates through a multi-lender platform, upselling opportunities to increase average order size, a fast application process, and integration tools for retailers to manage financing. The service aims to simplify financing for lenders, retailers and consumers to drive more sales and revenue for retailers.

1. RETAIL FINANCEThe fastest and easiest way to offer your customers finance
Pay4Later

2. of customers said that they only
made their purchase because
finance was available
of customers said that they would
have bought elsewhere if finance
was not available
72%
65%
59%
of customers said that they would
have postponed their purchase if
finance was not available
Finance Made Simple
Retail sales in the UK have seen
the longest period of year-on-
year growth since 2008. As the
economic climate continues
to improve, consumers are
becoming more confident in
their purchasing habits and are
planning to spend more.
The convergence of lending
and payments, combined with
rising consumer confidence has
created an exciting opportunity
for retailers to introduce new
credit payment solutions and
gain competitive advantage.
Customersexpectanexceptional
customer experience in every
interaction with your business,
none more so than when they
pay for their purchases. Too
Partnering with Pay4Later is
simple. Our powerful technology
integrates seamlessly, making
point of sale credit as easy to
manage as card payments. Our
multi-lender platform provides
you with the highest acceptance
rates and unique up-sell features
that help you attract new
customers, increase average
spend and grow your business.
much friction and they may
shop elsewhere. Pay4Later is
the fastest and easiest way to
offer finance. A modern platform
meticulously designed to deliver
a great customer experience
across all sales channels and
using any device.
Pay4Later - Retail 2

3. What sets Pay4Later
apart from the
Competition?
At its core, Pay4Later is a software platform
designed to make finance simple for lenders,
retailers and consumers. Through agile
development and a culture of innovation, we’re
transforming lending at the point of demand.
Our world class technology is developed
entirely in house by our team based in London,
the centre of the fintech revolution.
Complimenting our platform is our skilled and
experienced team of relationship managers and
support professionals, dedicated to providing
a fast, effective response and contributing to
your success.
Pay4Later - Retail 3

4. 0%
LENDER 1
LENDER 2
LENDER 3
4.9%
9.9%
14.9%
19.9%
Multi-tier + Multi-lender
Each lender has their own unique criteria on
which they base their lending decisions. Unlike
other point of sale finance providers, Pay4Later
has a unique digital lending platform connected
to multiple lenders, all of whom can consider
offering a range of different APR rates. This
means that customers can be considered by
more than one lender and at more than one rate
to maximise their chances of being accepted.
Your customer may apply for 0% interest free
finance, but because their credit score does
not match the lender’s requirements, they
are declined. With our multi-tier, multi-lender
platform, customers who would have previously
been declined are offered up to five alternative
finance products. The result? Higher acceptance
rates and fewer lost sales.
Pay4Later - Retail 4

5. Actual spend: £1500
Intended spend: £500
Shadow Limits
Our Shadow Limit feature is a fantastic up-sell
tool that works to maximise your average order
size. Suitable applicants are instantly offered a
higher borrowing limit once they’re approved for
finance, enabling them to upgrade to a superior
product or increase the value of purchase with
additional items.
A Shadow Limit offering may increase the amount
of credit available to your customer by up to three
times the amount originally applied for, giving
your staff the perfect opportunity to sell more,
maximising your profits.
Pay4Later - Retail 5

6. Fast-track Application on all Devices
Text
Fast-track Application
on all Devices
Customers expect a seamless journey throughout
the purchasing process. The experience they have
can determine if they purchase or not. Anything
that distracts from their experience or makes the
process too complicated can result in lost sales.
By integrating Pay4Later into your sales channels
you’re offering an exceptional purchasing
experience and a compelling reason to buy
from you. Our application form is optimised
for all devices including smartphones, so every
customer has a consistent experience. Customers
can save a password to apply faster next time - a
quicker and more convenient checkout option.
Pay4Later - Retail 6

7. Customer
purchases goods
and applies for
finance
Customer receives
finance decision in
under 4 seconds
Customer pays
deposit for goods
via Pay4Later
Customer leaves
shop with goods or
online retailer
dispatches goods
Pay4Later transmits
settlement file to
the lender
Lender settles your
bank account
10:00am 10:05am 10:06am 10:10am 00:15am
Midnight
11:00am
Customer’s first
direct debit
repayment to
lender
30 days later
Cashflow is enhanced and credit risk eliminated
Application & Settlement Process
Pay4Later - Retail 7

8. Finance Calculator Application Form Application Links
A potent sales tool that enables retailers to
proactively market and sell finance in-store,
simultaneously displaying up to 4 different
finance offers with easy fine-tuning of the
deposit and monthly repayments.
The Pay4Later Credit Application form is
simple for your customers to complete and
optimised for all devices. It can also be white
labelled with your company’s branding to
enable a seamless customer journey.
Using Application Links in Pay4Later
BackOffice, you can quickly and easily send
your customers expertly formatted finance
offer emails or SMS messages, complete with
your company’s branding.
Pay4Later - Retail 8

9. Pay4Later BackOffice hosts a range of exclusive
features including all the tools and reporting to
assist retailers in managing new and existing
clients all in one place.
Your team has the ability to create credit
applications as well as amend, cancel and verify
them. Data is displayed in real time, providing
up-to-date statistics, status updates and
notifications. There is also a range of training
modules and a live chat support solution,
perfect for training new team members or
solving any queries.
Retailer BackOffice
Pay4Later - Retail 9

10. We have been incredibly
impressed with Pay4Later’s
easy to use system, sales
have increased by 45% and
our margin has risen by 9%
“
”
Home Leisure Direct

11. The retail point of sale market in the UK is growing rapidly. Many of the UK’s largest retailers are now introducing consumer finance online and in-store,
with thousands of SME’s set to follow. Pay4Later works with over 1,000 retailers across a wide range of markets. Whether you sell furniture or jewellery,
electronics or white goods, we can help your business grow.
Retail Markets
77 Diamonds
Pay4Later - Retail 11

12. We understand that loyal customers are the key to
any successful business. We also understand that
the value of your brand can be greatly impacted
by the support we provide your customers.
That is why we make every effort to deliver the
highest level of support that we possibly can.
Our support team provides rapid assistance to
your customers and staff, seven days a week.
Our highly skilled Account Managers will be there
for you from initial implementation and training
to seeing your sales grow. You will get to know
them well. They will be your first point of contact
for any questions, can help arrange professional
services or coordinate other resources within
Pay4Later and our partner lenders.
The Pay4Later Team
Pay4Later - Retail 12

13. The BackOffice service and
one to one support provided
by Pay4Later is fantastic and
they’re always at the end of
the phone if we have a query.
“
”
Oak Furniture Solutions
Pay4Later - Retail 13

14. MONDAY
INTEGRATION
TUESDAY WEDNESDAY THURSDAY FRIDAY
Login details &
integration guide
are sent to you
IP address is
whitelisted and
integration questions
answered
Retailer’s developer
initiates work with
assistance from
Pay4Later support
Retailer’s developer
continues integration
and tests using
example data
Integration is finalised
by updating API key and
installation ID to ‘Live’
Pay4Later - Retail 14

15. Grow Your
Business Today
Pay4Later is the fastest and easiest way to
offer your customers finance, delivering an
exceptional customer experience, helping you
maximise sales and increase spend.
To open an account with Pay4Later please
make sure you meet the following criteria: Your
business will need a turnover of more than
£1Million, 2 years trading history and a positive
balance sheet. Tick all the boxes? Then give our
sales team a call on 0800 021 7150 or email us
at hello@pay4later.com.
Pay4Later - Retail 15

16. hello@pay4later.com
33 St Mary Axe
London, EC3A 8AG
0800 021 7150
Phone
Pay4Later is licensed and regulated by
the Financial Conduct Authority.
Email
Address
Pay4Later