Power your checkout with FlexPay
Convert more customers with flexible point of sale finance.
Point of sale finance designed to grow your business
Boost conversion
Win more customers by giving them the flexibility to spread the cost of purchases over time at the point of sale (POS).
Increase average order value
Increase average order value by making higher-ticket purchases more manageable with monthly instalments.
Reach more customers
Give customers the opportunity to check their eligibility with 2 lenders through a single application journey.
Flexible ways to pay at checkout
Customers apply once, and if approved, can choose how they would like to pay – with just one simple monthly repayment for all purchases.
Pay in instalments
Let customers spread the cost of purchases between £100 and £10,000 into manageable monthly payments over 6 to 48 months, with rates as low as 0%.
Pay with flexible credit
Customers can use their credit to make a purchase and choose how much to pay back each month. Flexible credit is charged at standard account APR, and the customer must pay at least the contractual minimum payment each month.
Two lenders. More customers.
FlexPay enables more of your customers to access credit and spread the cost of their purchases.
Customers initially apply for FlexPay, but if not approved, they can choose to check their eligibility with a secondary lender, NewDay, without the need to complete a second application. It couldn’t be simpler.
Meet the demand for financial flexibility
87%
Businesses reported growing consumer demand for POS Finance*.
*Lloyds Merchant Services, proprietary survey of 2000 UK consumers and 150 businesses, conducted March 2025
54%
Businesses see higher repeat business with POS Finance*.
46%
Businesses note improved checkout conversion with POS Finance*.
Flexible integration options
We offer several options to easily integrate FlexPay into your e-commerce platform. These include a direct option to integrate FlexPay APIs with simple JavaScript or via pre-approved turnkey plugins for the WooCommerce, Magento and Big Commerce platforms.
Why FlexPay
Growth
We work as a strategic partner to help you drive business growth by attracting, converting and retaining more customers.
Trusted
A fully regulated product delivered by a trusted brand with a rich history of delivering innovative solutions.
Flexible
Whether it is choosing integration options or configuring your own promotional rates, we empower you to make the choices that best suit your business needs.
Built on the strength of the UK’s leading digital bank
FlexPay combines modern payment technology with the scale, security and trust of Lloyds Banking Group.
Flexible payments backed by 260 years of financial expertise.
