About our integration process

Thursday 2nd November 2023

Man and woman in a technology store looking at electrical products

Novuna Consumer Finance’s market-leading integration process is designed to help retailers get up-and-running with our finance system as soon as possible. But we also want to make the process smooth and simple, with no charge to our retailer partners.

Our e-commerce team – including a dedicated project manager - will be with you at every stage of the integration process. We work closely with retailers across different sectors, of all different sizes, using different e-commerce platforms. They all have one thing in common – we can help them start offering finance to their customers.

First things first, what exactly is integration?

The integration process can feel a bit like a dark art if you’re not technically minded. But don’t worry, that’s what our e-commerce team are here for.

Basically, we want to make sure your website sends data to our credit application system to allow your customers to finance their purchase. After completing their application, the customer is handed back to your website. Our goal is to ensure all this happens seamlessly, without any glitches and with no interruption to the user journey.

We can include all sorts of features, depending on the functionality you require. For example, you’ll be able to collect deposits and include shipping cost as part of the total order to be financed.

We’re constantly reviewing our credit application system to make it as efficient and useful as possible, so do let us know if you require any functionality not already available.

Our step-by-step integration process

1. Initial introductions

If you’re a retailer just beginning discussions with us, our integration team will be introduced to you from the get-go.

We know how important it is to work with a lender that truly understands your requirements. We’ll have honest, transparent conversations so you have a realistic idea of what to expect. And, if you choose to partner with us, we’ll make sure we deliver outstanding results.

2. Onboarding discussion

Our integration experts will arrange an initial meeting to discuss your requirements. This can happen virtually or on-site with your technical experts. All stakeholders will be asked to attend, including your development team or agency.

During the meeting, we’ll get a greater understanding of how your site works, your admin set up, your existing customer journey and what you’re looking to achieve with our retail finance system.

We’ll then demonstrate the available solutions and work with you to decide which option works best for your business.

3. Delivery of support documents

We’ll send you an integration guide shortly after our initial call with you to help your development team get to work as soon as possible.

This onboarding pack gives you all the information you require to start the integration. It will be tailored to what you are looking to achieve and which e-commerce platform you are using, as well as any other specific information gathered during the demo call.

If you’re working on a bespoke build without the use of a plugin, we’ll supply all the technical information required to build the connection to the credit application system too.

4. Access to our Developer Portal and test environment

The Developer Portal contains all the information you might need to know, including in-depth resources covering a wide range of topics such as how to integrate soft search functionality or Representative Examples that may be used on your site.

Our integration team will set you up with access, allowing you to fully make the most of the portal and simulate test scenarios that will help you to identify any issues ahead of going live.

For example, your development team can link a staging environment to our demo environment to complete end to end journeys. This is not only useful for testing but also staff training.

5. Plugin and integration support

If you’re struggling at any point during the installation of our plugins, we can work with our plugin development partners to resolve any issues with you.

6. Testing and compliance review

Once the development work on the staging environment is complete, our e-commerce team will work with you to undertake end-to-end testing. We’ll raise any queries or concerns, helping you to resolve any issues ahead of going live.

We will also provide you with a financial promotions guide to help you promote finance.

7. Go live

Now for the most exciting part. Once you’ve completed testing, finance can be launched in the production environment.

You’ll now be able to shout about your new finance offering, helping to reach new customers and drive sales.

8. Ongoing support

Our support carries on once you’re up and running too. We’ll be at the other end of a phone or laptop any time you need us.

This means we can work with you to add new finance options or features in the future. So, for example, if you decide to expand your finance offering or want to change the way deposits are collected, we can help you to get it all set up.

Integration designed to suit your business

Our PaybyFinance system can be integrated with any e-commerce platform, whether you have a relatively simple site or a more complex infrastructure.

Easy-to-use plugins

Our plugins fast-track the integration process and could have you up and running in a matter of hours, days or weeks depending on your requirements and available resource.

We currently have plugins for:

  • Magento 2
  • WooCommerce (Wordpress)
  • Shopify
  • … and a finance calculator solution to help other platforms including BigCommerce

We’re happy to work with other third parties to help to create solutions for other platforms and systems too.

While our plugins are designed to help you get started sooner, you’ll still be able to customise our system to some extent. We offer lots of different features and functionalities, and it’s up to you which are required for your business. Our plugins are configurable to your needs.

Are there any plans for further plugins to be developed?

Yes. We are always looking at what’s going on in the e-commerce market, so further plugins will be considered. In the meantime, get in touch with the team whatever your platform and we’ll discuss possible solutions with you.

What happens when the e-commerce platform my business uses is updated?

Updates to our plugins are made in line with the latest version releases of the e-commerce platforms they sit on, supporting you in offering the best and most secure online experience for you customers.

Generic PaybyFinance calculator

This generic calculator is designed to suit a wide range of websites. It can be configured to show your specific finance offering and used as part of an integration.

Bespoke developments

Our expert team can support the delivery of bespoke solutions, too, to get our POS finance system integrated with your e-commerce platform as quickly as possible.

With full API integration, you’ll host the application journey on your website or till system. This gives you control over the look and feel of the application process.

We can help you to design the customer journey from scratch, and work with you to develop the front-end design as well as providing support on the integration details.

What bespoke requirements can I request?

Talk to our e-commerce team as soon as possible if you have a bespoke integration request.

Your project manager will act as a conduit between you and your development partners to deliver your bespoke requirements. The team will be able to discuss this with you in more detail.

How much does integration cost?

Unlike some of our competitors, our onboarding process is free of charge. That means no integration set-up fees or any annual charges.

The cost of downloading our plugins is included in your package as a retail partner. And, as we own the plugins we provide, we’re in complete control and not at the mercy of third parties, meaning you’re not either.

The only cost associated with integration work may be the cost of the developers or development agencies who manage your website. This cost will depend on the scope of the work and the size of the project.

Will you integrate your system for me?

Our tried and tested integration process is designed to be straightforward to integrate, requiring as little development input as possible – particularly if you take advantage of our ready-to-go plugins. This makes our system one of the most cost-effective systems to integrate in the market.

And, of course, we’ll be by your side every step of the way, supporting the management of the integration project to ensure the process runs smoothly and efficiently – and all free of charge.

Do we need developers?

While our plugins aim to reduce the time and cost to get up and running, you'll probably need developers to get integrated.

How long does integration take?

The time it takes to integrate largely depends on what you’re trying to achieve and how much available resource you have, but we have seen retailers install our plugins and go live within a couple of days or weeks. Bespoke integrations may take a little longer.

Let's get started

We recommend that any new retailer looking to integrate with us starts off with a demo call with our e-commerce team. This will cover the full integration process and go through both the technical and operational aspects, making sure all parties are on the same page before getting started.