Help your customers to buy now

You can help your customers to buy now with the convenience of spreading the cost of their purchase. The beauty of this product is that, subject to available funds within their credit limit, your customer can make further purchases with you without any further applications or credit checks.

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Why retailers love AppToPay

You want your customers to have a seamless shopping journey and having AppToPay at your checkout means just that. Whether in-store or online, give your customers the choice of a flexible payment option to enhance your customer journey and increase basket spend.

Get paid straight away
Get paid straight away

As soon as the customer confirms the purchase you can send your customer on their way with the goods. Which means you get paid straight away.


AppToPay is Financial Conduct Authority regulated.

Enticing marketing
Enticing marketing

We’ll start learning your customer’s spending habits to tailor marketing that keeps them coming back to you for more!

No more drop-outs
No more drop-outs

Turn browsers into buyers with a flexible payment option that gives your customers the choice to buy now and spread the cost. Say goodbye to checkout drop-outs!

Seamless purchase
Seamless purchase

All you have to do is provide your customer with a code at checkout, and voila, your bit is done! The customer takes full control over completing the order, saving you time and money.

No long applications
No long applications

With our brand new app, there is no longer an application needed at the checkout each time the customer wants to make a purchase as they will already have been granted a credit limit to use. Customer’s simply choose AppToPay and away they go!

Why use AppToPay?

AppToPay is a credit product that provides customers with an interest free credit limit to use for purchases between £100 and £500, letting them spread the cost of a purchase over 3 months, with no deposit needed.
The beauty of this product is that, subject to available funds within their credit limit, they can make further purchases without any further applications or credit checks.

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Interest free

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Spread the cost of each purchase over 3 months

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Up to £1,000 credit limit*

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No upfront payment or deposit

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Decision in minutes

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Manage your purchases in one place

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View your account 24/7

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Financial Conduct Authority Regulated

*This is a credit product. Credit is subject to status and is only available to UK residents aged 18 and over. Minimum and maximum spend applies. Failure to maintain payments may mean you repay more than borrowed and make future borrowing more difficult.

Who are AppToPay?

Part of the V12 Retail Finance family, AppToPay is a regulated interest free payment option available for your customers.

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Over 30 years

retail finance experience


Account access
Who are AppToPay

Become an AppToPay Retailer

If you would like to become one of our retail partners, you will need to be able to confirm all of the following criteria:


Minimum of £3,000,000 annual sales turnover


Minimum trading history of 24 months and be able to supply audited accounts.


Be in a profitable trading position.


Require business to consumer finance & not business to business finance.

V12 Retail Finance works with national and independent retailers of all sizes who are selling to customers in store and online. We also have finance options for non FCA regulated retailers. We usually work with retailers in the following sectors:

Consumer Electrical, Furniture, Healthcare, Musical, Home Improvement, Jewellery, Leisure & Lifestyle, Season Tickets