Merchants move to Deko all the time. It’s because we have the smartest technology that optimises your sales and that your customers love.

Everything we do is about getting more customers to the end of the purchase process - conversion rate optimisation, increasing acceptance rate, reducing refers, true omni-channel functionality, great user experience, mobile-first design … the list goes on. 

We’re not a bank or a lender. We’re specialists in retail finance technology with a panel of lenders behind us. And it’s that smart technology and flexible approach that guarantee you even more happy customers, higher average order values, more sales and no ongoing management headaches. And it’s so easy to switch. 

Accept Rate Guarantee 

Our AcceptPlus feature means we can guarantee the best accept rate. How? Because each finance application is assessed against multiple APR options with multiple lenders. Instead of declining an application outright we can offer the customer a different credit option or a different lender. Clever, huh? The 88% of customers who take the alternative offer would definitely agree.

We also work closely with our lenders to fine-tune credit policies based on our data. Our merchant's average accept rate has increased by 12% in the last year. One merchant we work with would have made an extra £650,000 revenue last year just by moving to Deko earlier. 

Calculate the impact for you

Passion for conversion

Because we’re obsessed with getting customers to the end of the purchase funnel we measure conversion rates in the same way big ecommerce retailers do. We constantly test and improve the customer application journey and each improvement brings real impact - more customers able to finance and purchase exactly what they want. We've seen huge increases in conversion optimisation in the last year, but we know there's more to come. We continue to refine and test all the time because we’re going for gold. 

Integration perfection

Switching is easy and there won't be any impact on your customers. You can integrate and be up and running in days. One switcher even said we’d saved him and his team 3.5 weeks; based on the time it took them to previously integrate finance with a well-known bank. We’ve got some nifty API tools that make it easy to 'plug into' your existing processes as well as finance calculator code for your website.  

Immersed in omni-channel 

Many claim to have an omni-channel retail finance solution but honestly, we're yet to see one as comprehensive as ours.   

Our application form is consistent across every channel but also optimised for the differences. Online applications are simple and take just a few minutes. Mobile applications are even quicker! Store staff have a simple finance calculator, customer videos and even compliance training. We even have a unique solution for call centre agents so they can complete an entire application on the phone.

It doesn't matter how the customer wants to shop. We make it easy for them to choose finance.  

Rich reporting

Data-rich reporting lets you manage your finance offers, user groups, report on application status and see how staff, teams, stores and channels are performing to inform your finance statregy. Access to a range of reports and insights to give you the edge over the competition. 

Customer experience

Our mobile optimised form means less squinting and scrolling for your customer. Our in-store and web experiences let the customer calculate the cost of credit using our integrated finance calculator; giving reassurance to checkout.  No complex credit history questions, 4-second lending decision and digital signatures. It's quick, simple and fun.

Let us calculate your sales uplift from AcceptPlus

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