⏳ Coming soon — register your interest

Buy Now Pay Later for UK Retailers

Offer your customers flexible payment options at the point of sale — increase basket sizes and drive conversions

How BNPL works

Customer chooses BNPL at checkout

At the point of sale — in-store or online — customer selects Buy Now Pay Later option.

Instant decision (usually seconds)

Customer gets an instant approval decision. Quick, seamless, no delays.

Retailer gets paid in full upfront

You receive the full payment immediately. Monek handles the customer repayments.

Higher basket values

Customers spend more when they can spread the cost. Average basket sizes increase by 20–40%.

Paid upfront

You get paid in full immediately — no waiting for customer repayments.

No credit risk

Monek takes on all the credit risk. If a customer doesn't pay, it's not your problem.

Easy integration

Works with your existing card terminals and online checkout. Minimal setup required.

Spread the cost

Split payments over 3, 6 or 12 months — making bigger purchases affordable.

0% options available

Interest-free payment plans available on selected purchases and retailers.

Responsible lending

FCA regulated with responsible affordability checks. Customers can only borrow what they can afford.

Be first in line when we launch. We'll contact you with more details.