pay by instalment
The
flexible payment option
that pays off for you.
The pay by instalment options that come with upaylater let you give customers the flexibility they need. Take advantage of this opportunity to increase shopping basket size and build loyal customers. With a tailored solution that meets all your needs.
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Solution
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%
of the top 1,000 online shops already offer instalment payments, while over two-thirds do not.¹
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€
is the average basket size for installment purchases – significantly higher sales than for other payment methods.²
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Paying in instalments is one of the top three most popular payment methods in Germany.³
¹ EHI: Studie Online Payment 2020
² EHI: Studie Online Payment 2020
³ „Shopping 2020 – Entwicklungen des Konsumentenverhaltens und die Relevanz des Ratenkaufs“, IFH Köln
Configure your own solution
Your shop.
Your instalment payments.
Paying in instalments is as flexible as it gets. That’s why our solution is not like a tight corset you have to squeeze into. On the contrary, upaylater gives you maximum freedom to design an instalment payment solution that really works for you and satisfies your customers.
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White label for a seamless payment experience
Flexible repayment plans: 2 to 36 months
Flexible interest rates for customers: 0–11.95%
“Pay in 3” option: 0% financing in 3 monthly instalments
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Flexible options for early repayments and pauses
Customer portal in your shop’s look and feel
Your benefits
Give your customers
flexibility.
It pays off.
Increase your revenue
Merchants that offer simple financing options make it easier for their customers to decide to buy. At the same time, they encourage spontaneous purchases. Especially when it comes to more expensive products, allowing customers to divide the full price into smaller monthly payments lowers the purchasing barrier. Another advantage of instalment purchases is the low returns rate.
Tip: Giving customers the option to pay by invoice at a later date is another way to offer more flexibility and reduce abandonment rates.
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100% guaranteed payout
Thanks to our payout guarantee, it makes no difference to you when and whether customers pay their instalments. You receive the full price. We cover the risk of non-payment and can also handle receivables management if needed.
Long-term customer retention
With Unzer PayLater, you can allow your customers to pay in instalments, with no paperwork or long processing times Your customers choose a repayment plan at checkout – they instantly receive a response in real time and so can complete their order without delay. With flexilibity like that, you can turn shoppers into loyal customers!
White paper
Paying in instalments
is the latest trend.
While consumers are demanding more flexibility, most shops are unable to give their customers the option to pay in instalments. This is a missed sales opportunity! Learn more about the benefits for merchants, the different instalment payment models, and how instalment payments are processed.
“Pay in 3” payment option
Interest-free payment
in 3 instalments.
Let your customers pay in 3 interest-free monthly instalments, and give them the gift of peace of mind. The first instalment isn’t due until the product is shipped, the second and third each one month later. We collect the instalments – without additional fees – by direct debit from the customer’s bank account. “Pay in 3” is a straightforward, fair payment solution that makes your customers’ shopping dreams come true.
White-label solution
Seamless integration.
For a seamless payment experience.
A trustworthy payment page has a powerful effect on your conversion rate. Seamlessly integrate our instalment payment solution into your checkout and boost customers’ trust in your shop. We stay behind the scenes and do not appear as a third party. If you want to implement a fully white-label solution, then upaylater is the right instalment payment provider for you.
Integration options
Ready in no time.
Online and in-store.
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Simple integration options for e-commerce.
Use the Unzer REST-API or a software developer kit (SDK) to integrate instalment payments in your online shop. Available for all the most popular shop systems, you can also accept instalment payments using our plug-ins. Our support team is there if you have any questions related to technical integration.
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NEW: Digital instalment payments at the POS.
Easily integrate instalment payments into your POS system or mobile app. You’d rather started without the headache of technical integration? Then our web-based stand-alone solution is perfect for you. Enters details and making a purchase is always paperless for your customers. All they need is their smartphone. Credit checks run in real time, and customers check out in the blink of an eye!
More details about Unzer PayLater Payment in Instalments
Everything you need.
In one solution.
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Flexible, scalable instalment plans
With upaylater as your provider for instalment payments, you have full flexibility. You choose the repayment plans that you want to offer. You can also set the interest rate. The transparent calculator helps your customers find a right repayment plan that works for them.
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Thorough credit checks, quick approval
With payment in instalments, customers check out digitally and in real time – even for MOTO orders and at the POS. Our thorough credit checks look closely at the opportunities and risks for you and your customers. The credit approval comes immediately, without wasting any more time on identity verification.
Customizable processes and customer communication
With upaylater, you get the perfect instalment payment solution for your company. You want a customer portal in your shop’s design? No problem. You have specific requirements for the dunning process? We’ll tailor everything to fit your vision for your shop and your customers.