Enable Pay Later as
a payment option
How Pay Later Works
Add Atoa Pay Later to your checkout, POS or payment link.
Here’s what happens when a customer chooses to pay later:
Eligibility
Pay in 3, 12, or 24 months. Available on purchases from £500 up to £10,000.
Finance Check
Soft credit check (hard search recorded if a facility is taken).
Offer
Your customer receives their personalised credit offer and confirms their plan.
Sign Documents
Loan agreement signed digitally. No printing, no branch visit.
Repayment
Funds land in your account the next business day. Your customer repays Abound directly.
Eligibility
Pay in 3, 12, or 24 months. Available on purchases from £500 up to £10,000.
Finance Check
Soft credit check (hard search recorded if a facility is taken).
Offer
Your customer receives their personalised credit offer and confirms their plan.
Sign Documents
Loan agreement signed digitally. No printing, no branch visit.
Repayment
Funds land in your account the next business day. Your customer repays Abound directly.
Three plans, one checkout
Pay in 3 — 0% interest
Split into 3 equal monthly payments, starting at the time of purchase. The first payment is made at the point of order.
- Starting from £500
- 0% interest
Pay in 12 – 22.9% APR representative
For larger purchases, customers can spread the cost over 12 months.
- From £500 to £10,000 (subject to approval)
- Representative 22.9% APR
Pay in 24 – 22.9% APR representative
For larger purchases, customers can spread the cost over 24 months.
- From £500 to £10,000 (subject to approval)
- Representative 22.9% APR
Pay in 3 — 0% interest
Split into 3 equal monthly payments, starting at the time of purchase. The first payment is made at the point of order.
- Starting from £500
- 0% interest
Pay in 12 – 22.9% APR representative
For larger purchases, customers can spread the cost over 12 months.
- From £500 to £10,000 (subject to approval)
- Representative 22.9% APR
Pay in 24 – 22.9% APR representative
For larger purchases, customers can spread the cost over 24 months.
- From £500 to £10,000 (subject to approval)
- Representative 22.9% APR
Why offer Atoa Pay Later
Increase sales conversion
Cost is the most common reason patients or clients delay or decline a treatment or purchase. Offering flexible payments means fewer lost cases, without discounting your fees.
No credit risk to you
Once approved, funds land in your account the next business day. No chasing invoices, no staged payments, no bad debt.
Near-instant decisions
Your patient or client applies in-flow. No separate form, no branch visit. Most get a decision in seconds. The soft credit check doesn’t affect their credit score.
Finance up-to £10,000 per case
Suitable for higher-value services, from a course of dental treatment, retail businesses (High-Value Items), to automotive repair. Patient finance and professional service payments up to £10,000 (subject to approval).
Regulated credit, off your balance sheet
Credit is provided by Abound (Fintern Ltd.), an FCA-authorised lender (FRN 929244). Abound is rated “Excellent” on Trustpilot and believes in fair, transparent finance for consumers.
Built for your sector
- Dental practices, including treatment plans, implants, and orthodontics.
- Medical and aesthetic clinics for consultations, procedures, and packages.
- Veterinary practices covering non-emergency surgery.
- Automotive repair for servicing, bodywork, and mechanical repairs.
Kitchens & Fitted Interiors
Dental treatment plans
Automotive Repair
Electronics
Veterinary care
Furniture and Homeware
Cosmetic Surgery & Aesthetics
Home improvements
Private Education & Training
See how much you could save with Atoa
- Up to 50% lower payment fees
- Faster access to funds
- One platform for modern payments
ISO-27001 and SOC2 Secure
Security backed by UK banks
Authorised by the FCA
Schedule a quick chat with our team!
Select your preferred time, and our team will give you a short demonstration of how Atoa can work for your business. Book a call
Book a callAtoa Pay Later lets your customers split their payment into manageable instalments. Pay in 3 is interest-free. Longer-term options of 12 or 24 months may incur interest (22.9% APR representative). Customers complete a quick application at checkout, receive a decision in seconds, and you get paid the next business day once approved.
Credit is provided by Abound (Fintern Ltd, FCA FRN 929244).
Atoa Payments Limited, trading as Atoa, is an Introducer Appointed Representative (FRN 1056851) of Abound and may receive commission for introductions. Missed payments may affect your credit score.
Customers can borrow from £500 up to £10,000 through Atoa Pay Later, subject to eligibility. The minimum purchase value is £500. Pay Later will not appear as an option for transactions below this amount.
Most decisions are near-instant. Customers provide their personal details, address history, and financial information. A soft credit check is performed using Open Banking during the application process, which does not affect their credit score. Once approved, customers complete identity verification and sign their loan documents before proceeding to payment. If the customer accepts the finance facility, a hard credit search is then carried out as part of finalising the loan.
Customers will see Atoa Pay Later as a payment option at checkout when available for that business.
To apply, customers must:
- Be 18 or over and a UK resident
- Provide at least 1 year of address history
- Share employment status and income details
- Complete identity verification
Businesses can contact the Atoa team for onboarding support. Atoa Pay Later is currently available to UK-registered businesses in selected sectors including dental, medical, veterinary, and automotive.
Contact us to check eligibility and get started.
Abound is a UK lending brand operated by Fintern Limited, authorised and regulated by the Financial Conduct Authority (FCA FRN 929244). Fintern provides the credit facility powering Atoa Pay Later. All lending decisions, credit agreements, and repayments are managed by Fintern, not Atoa or the merchant. Abound is rated “Excellent” on Trustpilot.
Atoa Payments Limited, trading as Atoa, is an Introducer Appointed Representative (FRN 1056851) of Abound and may receive commission for introductions. Missed payments may affect your credit score.
Life doesn’t always go as planned, and customers may experience financial difficulties from time to time.
Customers should contact Abound as early as possible if they are struggling to make repayments so the appropriate support can be provided.
You can contact Abound via the details below:
- Telephone (General Enquiries & Complaints): +442034794117
- Telephone (Customers in Financial Difficulties): +441271444242
- Email: paylater@getabound.com
