Merchant FAQs

Yes, we’d love the opportunity to show you how DivideBuy can grow your business. You can book a free demo by filling out the form here or to see more visit our DemoStore.

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Our pricing is based on a commission rate plus a monthly product fee. We don’t charge an integration fee. To discuss our rates and fees, please contact our Business Development Team by completing this form here.

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To enter into an agreement with us, we ask that your business is:

• VAT registered
• Based in the UK
• Has an annual turnover of £2.5m
• Has traded for a minimum of 2 years

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DivideBuy take the full fraud and credit risk for our retailers, while giving complete protection to consumers. We also put total control into the hands of our retailers by gathering all orders in one place within the DivideBuy portal and also (where applicable) on a retailers sales grid. Customers with an order can log on to their DivideBuy account to manage their purchases, change payment dates and chat with our customer service team.

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Our shopping directory can be found here.

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Yes, we do this to verify details provided and understand financial behaviour. We would never do this without your customer’s consent.

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We currently integrate with Shopify, Magento and WooCommerce . We also offer bespoke integrations. Contact us today to find out more.

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As standard, we will install DivideBuy on your website during the onboarding process. Contact us today to find out more.

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Yes, we can provide you with the API to enable you to integrate DivideBuy onto your platform. Contact us today to find out more.

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We normally request owner access instead of collaborator access to ensure a quick installation of DivideBuy technology. Owner access is the only user role that permits us to add and enable/disable payment methods and allows us to carry out testing more efficiently, without making a request to you for access. If you would prefer to only provide us with collaborator/partner access then we will have to request that you enable/disable the payment methods at various times during the installation. This may mean your install takes a little longer than normal as your DivideBuy developer may be assigned to another installation whilst we wait for you to confirm this has been actioned.

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How we comply with GDPR (the General Data Protection Regulation), a law regulating data protection and privacy for all individuals in the European Union, can be found in our privacy policy.

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Yes, we carry out a full credit search. This is to verify the details provided and understand financial behaviour. We would never do this without your customer’s consent. An Eligibility Checker function is also available, which enables your customer to run a soft credit check and determine the possibility of being approved before completing a full application.

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If a customer contacts us as wants to return something, we will always contact you first to confirm whether a refund is to be issued.

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We analyse and review data every time a transaction takes place.  We take the full fraud and credit risk, while giving complete protection to consumers. If we detect suspicious activity, or cannot get adequate identity confirmation, the transaction is rejected.

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Yes, we do. Our Eligibility Checker tool lets customers check whether they may be approved for the amount they wish to borrow, without harming their credit file. We would recommend that you add this option during the installation process. This feature increases conversions and reduces basket abandonment.

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No. We are the sole lender of the credit we provide, we’re entirely independent and not reliant on brokers or 3rd party lenders. This means that we offer genuine instant credit decisions and higher acceptance rates.

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Our Eligibility Checker tool runs a soft search - this is a credit search made on a file that won't affect your customer’s credit score. Although it's recorded on their file like every other search, lenders can't see it and it does not affect their record.

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For Shopify, all products must be activated.

For Magento & WooCommerce, our functionality allows you to select what products you wish to offer finance on. This gives you flexibility and choice whilst maximising sales and helping increase your average order values.

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You can visit https://portal.dividebuy.co.uk/, click on the 'Forgot Password?' and follow the online instructions to reset.

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You can log in to the DivideBuy merchant portal here.

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The Merchant Portal is a system where merchants can log on to manage all their orders, pull detailed reports and create/send custom orders to customers. The portal can often be linked to your online platform and may also enable you to place custom orders depending on what type of integration you have. Check out our handy guide here.

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If it’s an existing order, we are unable to increase the existing credit agreement, however a decrease, such as a discount, can be amended.

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You can access our full portal guide online here and view the definition of the different statuses here.

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You can find details on how to cancel an order here.

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You can visit https://portal.dividebuy.co.uk/, click on 'Forgot PIN?’ and follow the online instructions to reset.

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You can find details of how to process a refund following a customer return via your retailer portal depending on platform below:

Magento 1 - View guide
Magento 2 - View guide
Shopify - View guide
WooCommerce - View guide

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We can help you as a merchant with additional queries here.

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