Consumer finance is a powerful sales tool for independent retailers. By allowing customers to spread the cost of their purchase over manageable monthly payments, you can remove price as a barrier and help customers buy what they want, when they want.
Finance solutions for entry-level and growing businesses
PayItMonthly is designed for businesses with low turnover and transaction volume, and for new businesses that need simple, accessible lending to get started and scale with confidence.
How Members benefit
- Exclusive Bira discounted pricing.
- Credit charges from 1.9% (capped at 9.9%), plus up to £720 per year saved on plan fees
- Higher acceptance = fewer lost sales
- Built for modern, multi-channel selling
- Fast set up & fast access to funds
- No late fees. Debt is never sold on
- Hands-on UK support
Prevent lost sales
Give customers an easier way to pay. Flexible instalments can boost conversion rates by up to 57%, helping you capture sales that might otherwise be lost.
Increase customer spend
When monthly instalments are available, 46% of customers spend more, boosting your average order value without discounting.
Unlock new customer groups
Buy Now, Pay Later is now mainstream.22.6 million UK adults (42%) used BNPL in 2025, making flexible finance an expected payment option for today’s shoppers.
Why choose PayItMonthly?
Exclusive BIRA discounted pricing. Credit charges from 1.9% (capped at 9.9%), plus up to £720 per year saved on plan fees.
Higher acceptance = fewer lost sales. Advanced AI decisioning means PayItMonthly will often accept customers declined elsewhere, making it a strong primary or complementary finance option.
Built for modern, multi-channel selling. Offer finance in-store, via email, or online, with full checkout integrations including Shopify, WooCommerce and Wix.
Fast setup & fast access to funds. Get live in as little as 24 hours, with next working day or weekly payouts (depending on plan), helping protect cashflow for smaller businesses.
Customer-first lending model. No late fees. Debt is never sold on. Customers always deal directly with PayItMonthly — helping protect your brand and long-term customer relationships.
Hands-on UK support independents can rely on. Dedicated UK-based team in Cheltenham, answering calls in under 30 seconds, backed by a 4.8★ Trustpilot rating.
Onboarding threshold
- No minimum turnover
- 2 months accounts
POS for Bira Members
Drive more in-store sales with ready-made POS — from stickers to tent cards. All Bira members get in-store POS, whatever your plan
About PayItMonthly
PayItMonthly is funded by STB and is regularly audited to ensure the highest standards.
All providers available through Bira meet regulatory requirements and are suitable for independent retail businesses