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.
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.
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.
We’ll start learning your customer’s spending habits to tailor marketing that keeps them coming back to you for more!
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!
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.
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!
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.
Interest free
Spread the cost of each purchase over 3 months
Up to £1,000 credit limit*
No upfront payment or deposit
Decision in minutes
Manage your purchases in one place
View your account 24/7
Financial Conduct Authority Regulated
Part of the V12 Retail Finance family, AppToPay is a regulated interest free payment option available for your customers.
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
AppToPay is a trading name of Secure Trust Bank PLC and V12 Retail Finance Limited. V12 Retail Finance Limited is a credit broker, not a lender, and introduces you to Secure Trust Bank PLC, its parent company. If your application is successful, V12 Retail Finance Limited will receive a commission, the amount will vary depending on the amount of credit taken out. V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Registered Office: One Arleston Way, Solihull, B90 4LH. Secure Trust Bank PLC. Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office: One Arleston Way, Solihull, B90 4LH. All communications with us will be monitored/recorded to improve the quality of our service and for your protection and security.
