The Smarter Way to Pay – How we can work for your business

Who are we?

We’ve all heard of interest free credit. Our first thought tends to be “What’s the catch?” At DivideBuy, everything is clear and simple; integrating onto your site, not intruding, to make your life (and your customers lives) easier.

We offer retail solutions and work in partnership with those retailers to offer instant customer finance across all point of sale platforms. This is all whilst seamlessly integrating in-store, online and over the phone. We are an option to pay in your checkout so your customers can spread the cost of their purchases between 2 and 12 months.

We’re entirely independent and are not reliant on brokers or 3rd party lenders; our unique credit decision engine takes away the need for an underwriter; we are the sole lender of the credit we provide. We offer genuine instant credit decisions and higher acceptance rates meaning your customers can purchase what they desire; whether they have the full funds available or not.

Our industry-leading technology, built in-house, integrates seamlessly with your e-commerce software. We’ll give you everything you need to be up and running in no time. We’re proud to use our unique tools working to achieve your goals.

Is it easy for my customers to be approved?

We approve your customers in several ways; either a straight approval, accept subject to deposit or we request a guarantor. By offering a range of approval solutions we help to increase your basket approvals and reduce that all-important basket abandonment.

Don’t worry about fraud either – We have built and integrated a range of measures including ID verification and other checks for efficient and effective fraud prevention. This helps to ensure that we do not process orders that might be from anybody other than your customer.

With DivideBuy, there’s no middleman and we immediately take care of everything from credit origination, finance distribution, to settlement. Applicants are asked to complete a quick credit application, which is followed by instant decision. With this process, customers are always aware of who their credit is with and whom they’re entering a contract with.

Easy for our partners and easy for your customers.

What conversions can I expect to see as a partner?

Ultimately, you know how to run your business. We align with your requirements to enhance your customers’ experience.

Whether this is higher acceptance rates or an instant decision, DivideBuy partners typically see the highest click-to sale conversions, with an increase of up to 70%. Our Point of Sale finance can be used to encourage upsell, cross-sell and product bundle sales, resulting in an increase in average basket value.

How is a partner paid and do we cost to integrate?

Your payment is guaranteed, and we won’t charge a penny for install.

Our priority is to take care of our partners, the credit decision and the monthly instalments whilst providing you with the funds to the full value of your product/service.

We don’t charge for our API and we don’t charge for the extension. And we install everything for you. The total outgoing that you will have to pay to get up and running with DivideBuy is £0. Installation is a straightforward process and undertaken at a suitable time to minimise disruption to your trading.

Want to find out more?

Please contact our helpful Business Development Team to see how we can support your business.

Page last updated: 12 January 2022

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