---
title: The UK's only multi-lender retail finance provider.
description: Retail Finance and Buy Now Pay Later solutions that work for both customers and merchants, with better user experiences and higher acceptance rates.
---

[![deko-logo-v2](https://www.dekopay.com/hubfs/_Deko_V2/deko-logo-v2.svg)](https://www.dekopay.com)

- Products 
    - [At a glance](https://www.dekopay.com/at-a-glance)
    - [Pay Monthly](https://www.dekopay.com/pay-monthly)
    - [Digital Credit](https://www.dekopay.com/newpay)
    - [Will I Qualify](https://www.dekopay.com/will-i-qualify)
    - [Deko Uplift](https://www.dekopay.com/uplift)
    - [Multi-lender](https://www.dekopay.com/multi-lender)
- For merchants 
    - Resources 
          - [Integration](https://www.dekopay.com/integration)
          - [Merchant support](https://www.dekopay.com/partner-support)
          - [Log in to Backoffice](https://secure.dekopay.com/backoffice/v2/#/)
          - [Developer portal](https://docs.dekopay.com/)
    - Industries 
          - [Home](https://www.dekopay.com/industries/home)
          - [Electronics](https://www.dekopay.com/industries/electrical)
          - [Jewellery](https://www.dekopay.com/industries/jewellery)
          - [Auto](https://www.dekopay.com/industries/automotive)
          - [Vets](https://www.dekopay.com/industries/vets)
          - [Leisure](https://www.dekopay.com/industries/sports-leisure)
          - [Wellbeing](https://www.dekopay.com/industries/wellbeing)
          - [Education](https://www.dekopay.com/industries/education-training)
- For customers 
    - [For customers](https://www.dekopay.com/for-customers)
    - [Merchant directory](https://www.dekopay.com/partner-directory)
    - [Customer support](https://www.dekopay.com/customer-support)
    - [Jargon buster](https://www.dekopay.com/jargon-buster)
- Company 
    - [About us](https://www.dekopay.com/about-us)
    - [Become a lender](https://www.dekopay.com/become-a-lender)
    - [Become a partner](https://www.dekopay.com/become-a-partner)
    - [Careers](https://apply.workable.com/deko/)
    - [Contact us](https://www.dekopay.com/contact-us)
- [Resources](https://www.dekopay.com/resources) 
    - [Industry insights](https://www.dekopay.com/industry-insights)
    - [Case studies](https://www.dekopay.com/case-studies)
    - [Company news](https://www.dekopay.com/company-news)
    - [Guides](https://www.dekopay.com/guides)

[Get in touch](https://www.dekopay.com/contact-us)

# Increase your sales with Deko retail finance

A single platform that unlocks the benefits of credit for every retailer and every basket. Our panel of lenders will say yes to more customers at checkout.

- [Get started](https://www.dekopay.com/contact-us)
- [Discover Deko](https://www.dekopay.com/at-a-glance)

![home-top-v4](https://www.dekopay.com/hs-fs/hubfs/_Deko_V2/homepage/home-top-v4.png?width=1519&height=1176&name=home-top-v4.png)

## Payment options your shoppers will love

Flexible retail finance for all sectors at your fingertips.

[![newpay_3](https://14489771.fs1.hubspotusercontent-na1.net/hubfs/14489771/_Deko_V2/homepage/newpay_3.png)](https://www.dekopay.com/pay-monthly)

### [Pay Monthly](https://www.dekopay.com/pay-monthly)

A flexible monthly payment option that covers any basket size and allows customers to spread the cost over months or years.

[![newpay_2](https://14489771.fs1.hubspotusercontent-na1.net/hubfs/14489771/_Deko_V2/homepage/newpay_2.png)](https://www.dekopay.com/newpay)

### [Digital Credit](https://www.dekopay.com/newpay)

A digital credit account that turns purchases into manageable monthly payments and makes repeat spending easy.

[![pay in 3 product example journey](https://14489771.fs1.hubspotusercontent-na1.net/hubfs/14489771/Pay%20in%203-1.png)](https://www.dekopay.com/at-a-glance)

### [Pay in 3](https://www.dekopay.com/at-a-glance)

An interest-free [payment solution](https://www.dekopay.com/at-a-glance) that enables customers to split the cost of their purchase into 3 equal payments.

- ![check-dark](https://www.dekopay.com/hubfs/_Deko_V2/check-dark.svg)
  
  ##### Simple checkout integration
- ![check-dark](https://www.dekopay.com/hubfs/_Deko_V2/check-dark.svg)
  
  ##### Increased approval rates
- ![check-dark](https://www.dekopay.com/hubfs/_Deko_V2/check-dark.svg)
  
  ##### Instant final decisions
- ![check-dark](https://www.dekopay.com/hubfs/_Deko_V2/check-dark.svg)
  
  ##### Lower cart abandonment

### Why a multi-lender platform

## Bigger baskets More customers Higher conversions

Drive up basket size, conversions and customer numbers with the only retail checkout finance solution tailored for your business. From buy now, pay later to instant credit eligibility checking, using [Deko’s multi-lender options](https://www.dekopay.com/multi-lender) secures higher acceptance rates for your customers.

[Discover Deko](https://www.dekopay.com/at-a-glance)

![multi-lender-options](https://14489771.fs1.hubspotusercontent-na1.net/hubfs/14489771/multi-lender-options.webp?noresize)

- ![check-dark](https://www.dekopay.com/hubfs/_Deko_V2/homepage/check-dark.svg)
  
  ##### Instant credit eligibility check
- ![check-dark](https://www.dekopay.com/hubfs/_Deko_V2/check-dark.svg)
  
  ##### Tiered decisioning for increased conversions
- ![check-dark](https://www.dekopay.com/hubfs/_Deko_V2/check-dark.svg)
  
  ##### A panel of different lenders

## Seamlessly integrate with your existing [eCommerce platform](https://www.dekopay.com/integration)

![magento logo](https://f.hubspotusercontent20.net/hubfs/14489771/_Deko_V2/homepage/integration-logo/magento.png)

![shopify-1](https://14489771.fs1.hubspotusercontent-na1.net/hubfs/14489771/shopify-1.png)

![woo](https://14489771.fs1.hubspotusercontent-na1.net/hubfs/14489771/woo.png)

![WordPress](https://14489771.fs1.hubspotusercontent-na1.net/hubfs/14489771/WordPress.webp)

![open_cart](https://14489771.fs1.hubspotusercontent-na1.net/hubfs/14489771/open_cart.png)

![BigCommerce logo](https://f.hubspotusercontent20.net/hubfs/14489771/_Deko_V2/homepage/integration-logo/BigCommerce-logo-dark%203.png)

![cs.cart logo](https://f.hubspotusercontent20.net/hubfs/14489771/_Deko_V2/homepage/integration-logo/cs-cart_logo%202.png)

![presta logo](https://f.hubspotusercontent20.net/hubfs/14489771/_Deko_V2/homepage/integration-logo/presta.png)

![magento logo](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/magento.png)

![shopify-1](https://www.dekopay.com/hubfs/shopify-1.png)

![woo](https://www.dekopay.com/hubfs/woo.png)

![WordPress](https://www.dekopay.com/hubfs/WordPress.webp)

![open_cart](https://www.dekopay.com/hubfs/open_cart.png)

![BigCommerce logo](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/BigCommerce-logo-dark%203.png)

![cs.cart logo](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/cs-cart_logo%202.png)

![presta logo](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/presta.png)

[Integration information](https://www.dekopay.com/integration)

### Download the guide

![deko ebook](https://www.dekopay.com/hubfs/deko%20ebook.webp)

### Download the guide

Deko needs your information to send you the content you’re requesting. You can unsubscribe at any time. For more information visit our [Privacy Policy](https://dekopay-14489771.hs-sites.com/privacy-policy).

## News and insights

[Industry Insights](https://insights.dekopay.com/tag/industry-insights)

## [Major themes of 2023, What’s Ahead for 2024 in...](https://www.dekopay.com/industry-insights/embedded-finance-trends)

The increasing prevalence of embedded finance is leading to greater consumer expectations...

<https://www.dekopay.com/industry-insights/embedded-finance-trends>

[Case Studies](https://insights.dekopay.com/tag/case-studies)

## [London Camera Exchange's partnership with Deko...](https://www.dekopay.com/case-studies/london-camera-centre)

A history of London Camera Exchange London Camera Exchange has a long history dating back...

<https://www.dekopay.com/case-studies/london-camera-centre>

[Company News](https://insights.dekopay.com/tag/company-news)

## [Deko launches new integration module for Craft...](https://www.dekopay.com/company-news/integration-craft-commerce)

eCommerce merchants operating on the Craft Commerce system will now be able to offer...

<https://www.dekopay.com/company-news/integration-craft-commerce>

[Visit our blog](https://www.dekopay.com/resources)

[Trustpilot](https://uk.trustpilot.com/review/www.dekopay.com)

### Let Deko help you reach your goals. Talk to us today.

[Contact us](https://www.dekopay.com/contact-us)

![Deko](https://www.dekopay.com/hubfs/Deko%20Website%20July%202021/Images/Home/logos-1.svg)

7 Handyside Street,  
London, N1C 4DA [hello@dekopay.com](mailto:hello@dekopay.com)

- [![X-circle](https://www.dekopay.com/hs-fs/hubfs/X-circle.png?width=29&height=29&name=X-circle.png)](https://twitter.com/dekopay)
- [![linkedin](https://www.dekopay.com/hubfs/_Deko_V2/social-media/linkedin.svg)](https://www.linkedin.com/company/dekopay)
- [![facebook](https://www.dekopay.com/hubfs/_Deko_V2/social-media/facebook.png)](https://www.facebook.com/dekopayuk/)
- [![instagram](https://www.dekopay.com/hubfs/_Deko_V2/social-media/instagram.svg)](https://www.instagram.com/dekopay/)

-  
-  
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- Products 
    - [At a glance](https://www.dekopay.com/at-a-glance)
    - [Pay Monthly](https://www.dekopay.com/pay-monthly)
    - [Digital Credit](https://www.dekopay.com/newpay)
    - [Will I Qualify](https://www.dekopay.com/will-i-qualify)
    - [Deko Uplift](https://www.dekopay.com/uplift)
    - [Multi-lender](https://www.dekopay.com/multi-lender)
- For merchants 
    - [Integration](https://www.dekopay.com/integration)
    - [Merchant support](https://www.dekopay.com/partner-support)
    - [Why Deko](https://www.dekopay.com/guides/why-deko-finance-is-the-right-choice-for-your-ecommerce-business)
    - [Log in to Backoffice](https://secure.dekopay.com/backoffice/v2/#/)
    - [Developer portal](https://docs.dekopay.com/)
- For customers 
    - [For customers](https://www.dekopay.com/for-customers)
    - [Merchant directory](https://www.dekopay.com/partner-directory)
    - [Customer support](https://www.dekopay.com/customer-support)
- Company 
    - [Contact us](https://www.dekopay.com/contact-us)
    - [Become a lender](https://www.dekopay.com/become-a-lender)
    - [Become a partner](https://www.dekopay.com/become-a-partner)
    - [About us](https://www.dekopay.com/about-us)
    - [Careers](https://apply.workable.com/deko/)
    - [Blog](https://www.dekopay.com/resources)
- Legal 
    - [Terms of service](https://www.dekopay.com/terms-of-service)
    - [Security statement](https://www.dekopay.com/security-statement)
    - [Complaints procedure](https://www.dekopay.com/complaints-procedure)
    - [Privacy policy](https://www.dekopay.com/privacy-policy)
    - [Cookies](https://www.dekopay.com/cookies)

Deko is a trading name of NewDay Technology Ltd, registered in England and Wales (company number 08812602). NewDay Technology Ltd is an Appointed Representative of NewDay Cards Ltd for the purposes of providing credit broking services. NewDay Cards Ltd is authorised and regulated by the Financial Conduct Authority (FRN 682417). 

![](https://px.ads.linkedin.com/collect/?pid=3018148&fmt=gif)

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