--- title: Wellbeing | Deko | Pay Later Provider description: Fed up of seeing your patients and customers compromise? Offer them the opportunity to use flexible payments with Deko's retail finance platform. --- [![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) # Improve your offering with pay later options Offer your patients and customers the opportunity to spread healthcare and wellbeing costs over time through our pay later platform. [Get started](https://www.dekopay.com/contact-us) ![mobile wellbeing](https://www.dekopay.com/hs-fs/hubfs/mobile%20wellbeing.png?width=641&height=435&name=mobile%20wellbeing.png) - [Home](https://www.dekopay.com/) - For merchants - Industries - [Wellbeing](https://www.dekopay.com/industries/wellbeing) ![my protein](https://www.dekopay.com/hubfs/my%20protein.png) ![synergy](https://www.dekopay.com/hubfs/synergy.png) ![harley street-1](https://www.dekopay.com/hubfs/harley%20street-1.png) ![Exante](https://www.dekopay.com/hubfs/Exante.png) Tailored to your business' needs ## The multi-lender way Unlike traditional pay later providers, our solutions are connected to a panel of lenders with a range of credit appetite. This means we can increase acceptance rates so more of your customers can access the treatment and products they need for a healthier and better life. ![protein final ](https://www.dekopay.com/hs-fs/hubfs/protein%20final%20(1).png?width=1249&height=790&name=protein%20final%20(1).png) ![Group 846 (4)](https://www.dekopay.com/hs-fs/hubfs/Group%20846%20(4).png?width=1081&height=1027&name=Group%20846%20(4).png) Making important decisions easier ## Innovative retail finance products Our Pay Monthly product is perfect for health based products and services, with coverage up to £25,000 and a wide range of instalment periods and interest rates (including 0%). The product is designed to slot seamlessly into your existing user journey, providing effortless access to pay later options. Go live quicker ## Seamless integration With over twenty years of experience, our industry-leading integration service can push your store live with Deko in 24 hours, with zero disruption to your business. Our experts will make the [set-up and post-launch experience pain-free](https://www.dekopay.com/integration) so you can focus on the things that really matter. ![dentist final-1](https://www.dekopay.com/hs-fs/hubfs/dentist%20final-1.png?width=1249&height=790&name=dentist%20final-1.png) ![Vit food circle](https://www.dekopay.com/hs-fs/hubfs/Vit%20food%20circle.png?width=1126&height=1354&name=Vit%20food%20circle.png) Our eligibility check tool ## Will I Qualify This innovative tool can be woven into your website and offers your customers the opportunity to complete a quick form to find out if they [qualify for finance](https://www.dekopay.com/will-i-qualify). The widget can be added to your homepage so your customers can be confident in their ability to pay with Deko early on in the purchase journey. ## How multi-lender works 1 Your customer will choose Deko at checkout, where they'll choose from a choice of deposit amounts, instalments periods and interest rates before submitting their application. 2 Their application will be processed and assessed based on eligibility, credit history and affordability. If our primary lender rejects their application, they’ll be automatically connected to a secondary lender who is better suited to their credit profile. 3 The customer will then confirm the purchase and digitally sign the credit agreement. Deko and the connected lender will handle the rest of the finance process from here, and you’ll receive payment upfront. ![Sergiu diagram](https://www.dekopay.com/hubfs/Sergiu%20diagram.svg) ![mobile1](https://www.dekopay.com/hs-fs/hubfs/mobile1.png?width=761&height=491&name=mobile1.png) ### Step 1 Your customer will choose Deko at checkout, where they'll choose from a choice of deposit amounts, instalments periods and interest rates before submitting their application. ![mobile2](https://www.dekopay.com/hs-fs/hubfs/mobile2.png?width=761&height=491&name=mobile2.png) ### Step 2 Their application will be processed and assessed based on eligibility, credit history and affordability. If our primary lender rejects their application, they’ll be automatically connected to a secondary lender who is better suited to their credit profile. ![mobile3](https://www.dekopay.com/hs-fs/hubfs/mobile3.png?width=761&height=491&name=mobile3.png) ### Step 3 The customer will then confirm the purchase and digitally sign the credit agreement. Deko and the connected lender will handle the rest of the finance process from here, and you’ll receive payment upfront. ## Benefits to your business ![Flexible options (circle) (1)](https://www.dekopay.com/hubfs/Flexible%20options%20(circle)%20(1).svg) ### Flexible options We can cover baskets up to £25,000, with repayment periods ranging from 3-60 months. ![0% APR (circle)](https://www.dekopay.com/hubfs/0%25%20APR%20(circle).svg) ### 0% APR Improve financial flexibility for patients and customers with interest-free options. ![Paid upfront (circle)](https://www.dekopay.com/hubfs/Paid%20upfront%20(circle).svg) ### Get paid upfront Our lenders cover fraud and credit risk, so you’ll get paid upfront and in full no matter what. ![No hidden fees (circle)](https://www.dekopay.com/hubfs/No%20hidden%20fees%20(circle).svg) ### No hidden fees Our fee breakdowns are clear and transparent for both merchants and customers. ## The Deko difference Increased sales, improved conversion rates and industry leading integration. +£3bn Credit applications processed +40% Uplift in acceptance rate 24hrs Integration time ## Over 20 eCommerce platforms supported [![magento](https://www.dekopay.com/hubfs/_Deko_V2/integration-page/magento.png)](https://www.imegamedia.co.uk/retail-finance-module/magento/) [![shopify](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/shopify.png)](https://www.imegamedia.co.uk/retail-finance-module/shopify/) [![woocommerce_logo 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/woocommerce_logo%202.png)](https://www.imegamedia.co.uk/retail-finance-module/woocommerce/) [![wordpress 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/wordpress%202.png)](https://www.imegamedia.co.uk/retail-finance-module/word-press/) [![opencart 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/opencart%202.png)](https://www.imegamedia.co.uk/retail-finance-module/opencart/) [![BigCommerce-logo-dark 3](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/BigCommerce-logo-dark%203.png)](https://www.imegamedia.co.uk/retail-finance-module/big-commerce/) [![cs-cart_logo 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/cs-cart_logo%202.png)](https://www.imegamedia.co.uk/retail-finance-module/cs-cart/) [![presta](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/presta.png)](https://www.imegamedia.co.uk/retail-finance-module/prestashop/) [![magento](https://www.dekopay.com/hubfs/_Deko_V2/integration-page/magento.png)](https://www.imegamedia.co.uk/retail-finance-module/magento/) [![shopify](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/shopify.png)](https://www.imegamedia.co.uk/retail-finance-module/shopify/) [![woocommerce_logo 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/woocommerce_logo%202.png)](https://www.imegamedia.co.uk/retail-finance-module/woocommerce/) [![wordpress 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/wordpress%202.png)](https://www.imegamedia.co.uk/retail-finance-module/word-press/) [![opencart 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/opencart%202.png)](https://www.imegamedia.co.uk/retail-finance-module/opencart/) [![BigCommerce-logo-dark 3](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/BigCommerce-logo-dark%203.png)](https://www.imegamedia.co.uk/retail-finance-module/big-commerce/) [![cs-cart_logo 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/cs-cart_logo%202.png)](https://www.imegamedia.co.uk/retail-finance-module/cs-cart/) [![presta](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/presta.png)](https://www.imegamedia.co.uk/retail-finance-module/prestashop/) ## Our resource toolbox [Case study](https://www.dekopay.com/case-studies/harley-street-hair-clinic) ## [Harley Street Hair Clinic sees conversions quadruple with Deko finance](https://www.dekopay.com/case-studies/harley-street-hair-clinic) [Read more](https://www.dekopay.com/case-studies/harley-street-hair-clinic) [Case study](https://www.dekopay.com/case-studies/harley-street-hair-clinic) ## [Harley Street Hair Clinic sees conversions quadruple with Deko finance](https://www.dekopay.com/case-studies/harley-street-hair-clinic) [Read more](https://www.dekopay.com/case-studies/harley-street-hair-clinic) [Resources](https://www.dekopay.com/resources) ## [Why Deko Finance is the right choice for your ecommerce business](https://www.dekopay.com/guides/why-deko-finance-is-the-right-choice-for-your-ecommerce-business) [Read more](https://www.dekopay.com/guides/why-deko-finance-is-the-right-choice-for-your-ecommerce-business) [Resources](https://www.dekopay.com/resources) ## [The complete guide to Buy Now Pay Later for your retail business](https://www.dekopay.com/guides/an-introduction-to-buy-now-pay-later) [Read more](https://www.dekopay.com/guides/an-introduction-to-buy-now-pay-later) [Industry insights](https://www.dekopay.com/resources) ## [6 benefits of introducing POS consumer financing to your online store](https://www.dekopay.com/industry-insights/6-benefits-of-introducing-point-of-sale-consumer-financing-to-your-online-store) [Read more](https://www.dekopay.com/industry-insights/6-benefits-of-introducing-point-of-sale-consumer-financing-to-your-online-store) [Visit our blog](https://www.dekopay.com/resources) ## Get in touch with 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/) -   -   -     - 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) ```json { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": { "@type": "Question", "name": "How multi-lender works", "acceptedAnswer": { "@type": "Answer", "text": "Your customer will choose Deko at checkout, where they'll choose from a choice of deposit amounts, instalments periods and interest rates before submitting their application. Their application will be processed and assessed based on eligibility, credit history and affordability. If our primary lender rejects their application, they’ll be automatically connected to a secondary lender who is better suited to their credit profile. The customer will then confirm the purchase and digitally sign the credit agreement. Deko and the connected lender will handle the rest of the finance process from here, and you’ll receive payment upfront." } } } ``` ```json { "@context" : "https://schema.org", "@type" : "Service", "areaServed" : { "@type" : "Country", "name" : "United Kingdom" }, "description" : "Offer your patients and customers the opportunity to spread healthcare and wellbeing costs over time through our pay later platform. Our solutions are connected to a panel of lenders with a range of credit appetite, increasing acceptance rates so more of your customers can access the treatment and products they need for a healthier and better life.", "provider" : { "@type" : "Organization", "name" : "Deko" }, "serviceType" : "Financial Services for Wellbeing" } ```