Payl8r: UK 2026 Pricing & Fee Calculator
Payl8r offers longer-term instalment finance (often 3 to 12 months) for both online and in-person purchases. Merchant pricing is bespoke; the figure here is a typical estimate.
What Payl8r charges
| Fee | Rate |
|---|---|
| Who pays the fee | The merchant (you), not the shopper |
| Merchant fee | Bespoke (typically a few percent of order value) |
| Shopper terms | Interest-free or interest-bearing by plan |
| You get paid | Up front, in full |
How the fees work
Payl8r is a UK instalment-finance provider that lets customers spread payments over several months, including longer interest-bearing plans, which suits higher-value purchases such as furniture, beauty treatments and training courses. The retailer fee depends on the plan length and whether you subsidise interest, so it is always quoted per business.
The figure here is a representative estimate, not a published rate. Apply through Payl8r for your exact merchant pricing based on your sector and average order value.
Check the official pricing
Fees change. Confirm the current rate at Payl8r for business.