Omnichannel point of sale finance
Our point of sale credit solutions give customers the best payment options to choose from, whether they’re browsing online or hitting the high street.
Retail financing online and in-store
You can benefit from retail finance whether your business is driven by digital channels, traditional bricks and mortar, or a blend of the two.
Our technology is built with streamlined omnichannel experiences in mind, ensuring a consistent buying journey for your customers, no matter how they shop with you.
As of January 2026. online sales now account for almost 30% of all retail sales, and more than 80% of UK consumers are digital buyers. This means partnering with a POS credit provider that can flex to suit your checkout journey is vital.
A credit system designed with retail in mind
Our application platform is quick, simple and provides a great customer experience from start to finish. You’ll find no clunky tech or lengthy applications here – just flexible ways to pay for your customers.
About our in-store finance option
- Offer point of sale finance in-store to boost footfall and drive sales
- Flexible e-signature technology allows customers to sign their agreement in-store, take it away to finalise at home
- Instant decisioning, so there’s no waiting around in-store once your customer has decided to make an application
- Soft search eligibility checks and tailored finance options available to support your team and maximise sales
- Additional training for in-store sales colleagues, giving your team everything they need to feel confident offering finance
About our ePOS finance solution
- Turn browsers into buyers by promoting POS finance across your e-commerce channels
- Integrates seamlessly with all major ePOS systems via a simple plug-in, with support available for bespoke integrations
- Customers can complete our one-page application form in minutes and receive a decision within seconds
- Soft search and bespoke tailoring available to help you increase approval rates and offer credit that suits your customers
- Option for us to collect deposits to create an even more seamless user journey
How does point of sale financing work?
1. Your customer shops online or in-store with you and chooses to pay using one of our retail finance options
2. They’ll fill out a finance application. We may also inform the customer if they qualify for one of our tailored finance options
3. Your customer will get an instant decision on their application and, if accepted, will be asked to e-sign their credit agreement
4. Once you deliver their order, you’ll receive the full payment (minus any subsidy) and we’ll begin collecting monthly repayments from the customer
Get started with our support
We’ll get you all set up free of charge, with a specialist onboarding team and a dedicated Relationship Manager to help you reach your goals.
- Access to e-learning courses
- In-person and virtual training sessions
- Learn within a practice environment with our demo tools
- Digital and physical POS marketing materials provided
You'll like the company we keep
Ready to join our network of over 3,000 UK retailers?
To work with us, you will need to be offering products or services for consumers (not for other businesses) and be trading profitably. You will also need a minimum of:
Please note, we do NOT currently work with the following industries: renewable energy (including solar), dentistry, invasive healthcare, clothing, personal development or training solutions.
If you meet this criteria, we'd love to hear from you. Please complete the form and one of the team will be in touch within three working days (usually the same day).
If you are an existing retailer with a general enquiry or a customer looking to speak to someone about your retail finance or personal loan agreement, click here for contact details and opening hours.