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BNPL Companies in the UK: 34 Active Firms (2026)
BNPL companies in the UK provide point-of-sale consumer credit and instalment payment services for merchants and shoppers.
Merchant acquisition, credit-risk operations and repayment servicing shape most buying conversations. Providers sell into retailers, ecommerce merchants, marketplaces and payment intermediaries, usually where checkout conversion, settlement timing and customer repayment management sit in the same commercial decision. The buyer is often a payments, finance or ecommerce lead rather than a general IT function. Engagements tend to look like embedded finance partnerships: merchant onboarding, underwriting rules, customer disclosures, repayment collection and settlement reconciliation are all part of the operating model. The cohort spans specialist growth-stage providers and mid-market operators, with teams ranging from lean risk-and-product groups to broader sales, servicing and compliance functions.
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At 34 actively trading UK BNPL companies, the cohort is small, concentrated and sensitive to a handful of scaled operators. Reported headcount totals 421, which points to a sector where operating capability is present but still relatively compact. That shape matters for list interpretation: many firms can cover merchant sales, risk decisioning, servicing and compliance without resembling large retail-finance institutions. The customer side is broader than the provider count suggests, because each BNPL operator may support multiple retailer categories and checkout channels once merchant settlement and repayment servicing are in place.
Consumer-credit perimeter questions matter more here than in most checkout-payment models. Some deferred-payment structures have historically relied on exemptions, while adjacent lending, credit broking, collections and financial-promotion activity can pull firms towards FCA permissions or conduct rules. Merchants also form part of the risk chain: product placement at checkout, affordability messaging, refund handling and treatment of missed payments can affect whether the customer understands the liability being taken on. Market structure therefore depends not only on merchant reach, but on underwriting discipline, complaints handling and the ability to evidence fair customer outcomes.
BNPL appears likely to remain a narrower fintech segment than payments or lending software, with differentiation moving towards risk controls, merchant economics and servicing quality. The early-commercial weight in the cohort suggests many providers still need to prove repeatable merchant acquisition without loosening credit standards. Scale-up scarcity may push some operators towards partnerships with payment intermediaries, retail platforms or lenders rather than standalone expansion. Regulatory pressure also tends to favour firms that can document customer treatment, affordability processes and collections conduct. Consolidation is plausible, but the direction may be selective: specialist providers with clear vertical focus are easier to integrate than broad checkout propositions with thin risk controls.
34
Active firms
2026
4
£5M-plus firms
revenue threshold
10
Recent incorporations
since 2022
Key facts
About 11% of the trading cohort reports turnover above £5M (4 of 34 firms) — the rest sits below that revenue band.
29% of the cohort was incorporated since 2022 (10 firms), so a sizeable share is in its first few filing cycles.
BNPL sits between retail payments, consumer lending and ecommerce checkout, so credit-risk appetite can affect both merchant adoption and repayment terms.
Merchant demand tends to centre on checkout conversion, fee levels and integration with online or point-of-sale payment flows.
The segment is weighted towards specialist lenders and payment platforms, rather than very large diversified financial-services groups.
Consumer-facing instalment products can move with retail demand, discretionary spending and arrears expectations.
Top UK BNPL companies
PayItMonthly Limited
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides a buy‑now‑pay‑later platform for retailers and service businesses, enabling customers to pay through interest‑free monthly instalments. Offers merchant integrations, payment processing,…
Serves UK businesses of all sizes, from sole traders to national brands, especially ecommerce and omnichannel retailers using platforms such as Shopify that need consumer finance options at checkout.
Financial Health
StrongStrong · Growing, Hiring · 21% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides a retail finance platform that enables merchants to offer buy now, pay later and instalment payment options at checkout. Connects retailers with multiple lenders, offering credit eligibility…
Sells to UK retailers and eCommerce merchants that offer checkout finance, especially in home electronics, jewellery, automotive, veterinary, leisure, wellbeing and education sectors; also works with…
Financial Health
HealthyHealthy · Hiring · 19% CAGR over 4y
Location
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides point‑of‑sale consumer financing and buy‑now‑pay‑later payment options for online and in‑store purchases. Offers instalment loans and pay‑in‑four plans through merchant checkouts, a mobile…
Serves UK consumers shopping at retail brands, alongside merchants and ecommerce businesses that offer pay-over-time checkout options.
Financial Health
StrongStrong · Hiring · 93% CAGR over 3y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsSells to consumers shopping online and in-store who want to split purchases into instalments using buy now, pay later services.
Financial Health
DistressedDistressed · -81% CAGR over 4y
Location
Affirm Hold Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides buy‑now‑pay‑later financing services for retail purchases. Offers point‑of‑sale payment plans that allow consumers to split purchases into instalments over time, and supplies merchants with…
Serves consumers shopping at retail brands and B2B merchants, including ecommerce and retail businesses in electronics, travel, home furnishings, apparel, fitness and related consumer sectors.
Financial Health
HealthyHealthy · 0% CAGR over 2y
Location
Provides a digital payments and buy‑now‑pay‑later platform offering a virtual card for online and in‑store purchases. Enables users to pay immediately with rewards or split payments over instalments,…
Serves UK consumers aged 18+ who shop online or in-store, use mobile wallets or app-based shopping, and qualify for short-term consumer credit and rewards.
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides consumer financing services, offering lease‑to‑own agreements, installment loans and retail installment contracts that allow customers to purchase goods such as furniture, mattresses, tyres…
Serves consumers needing point-of-sale financing, especially shoppers with bad or limited credit, for purchases such as furniture, mattresses, tyres and wheels, and also targets retail merchants…
Financial Health
StrongStrong · Hiring · 8% CAGR over 5y
Location
Provides a consumer payments platform offering a virtual and physical card for online and in‑store purchases, allowing users to pay immediately or split payments over 6 weeks or 3 months, with credit…
Serves UK consumers aged 18+ who shop online or in-store and want app-based credit, flexible instalment payments, rewards and a virtual or physical card for everyday retail purchases.
Location
Optima Consumer Credit Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsActs as a credit broker introducing retailers and other businesses to a panel of lenders that provide consumer finance products, including interest‑free credit, buy now pay later and interest‑bearing…
Serves UK B2B retailers and home-related businesses seeking consumer finance options for their customers, including furniture, home improvement, cycling, solar PV, technology and electrical sectors.
Financial Health
StrongStrong · Growing, Hiring · 2% CAGR over 5y
Location
CHRYSALIS HEALTHCARE GROUP LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides consumer finance for healthcare treatments, offering pay‑monthly loans to patients through partner clinics. Operates an online application and credit decision system and works with…
Serves UK healthcare patients seeking pay-monthly treatment finance, alongside healthcare clinics and clinicians that offer finance options to patients.
Financial Health
StableStable · -65% CAGR over 4y
Location
Provides a payment platform that allows drivers to spread the cost of car repairs, servicing, parts and accessories through interest‑free monthly instalments. Partners with car dealerships and…
Sells to UK drivers and vehicle owners needing to spread the cost of repairs, servicing, MOTs, parts and accessories. Also serves automotive businesses, including franchise dealers, independent…
Location
CHRYSALIS FINANCE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides consumer finance for healthcare treatments, offering loans that allow patients to pay for medical, dental and cosmetic procedures through monthly instalments. Operates online loan…
Serves both consumers and businesses in UK healthcare: patients seeking pay-monthly finance for treatment, and clinical partners such as healthcare providers and clinicians offering finance options…
Financial Health
WeakWeak · -62% CAGR over 4y
Location
Consumer Credit Solutions Limited
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides consumer credit facilities for home improvement retailers, including interest‑free, low‑rate and buy‑now‑pay‑later finance options. Works with a panel of lenders to arrange customer finance…
Sells to UK home improvement retailers and installers, including windows and conservatories, kitchens, bedrooms and bathrooms, central heating and boilers, hot tubs, swim spas, canopies, verandas and…
Financial Health
StableStable · 0% CAGR over 1y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides payment technology that enables merchants to offer instalment payments using customers’ existing credit cards. Authorises the full purchase amount and charges monthly instalments, allowing…
Serves online shoppers with existing credit cards and merchants or ecommerce businesses that want to offer card-based buy-now-pay-later options at checkout.
Financial Health
StableStable · -23% CAGR over 2y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides tuition financing and payment plan services for education providers, enabling students to spread course fees over instalments. Works with institutions to offer financing options during…
Sells to UK education providers, targeting institutions with prospective students who are constrained by upfront tuition payments during the enrolment process.
Financial Health
HealthyHealthy · Hiring · 11% CAGR over 5y
Location
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides student tuition financing and deferred payment plans in partnership with universities and vocational schools, enabling students to pay course fees through instalments or income‑based…
Serves students seeking tuition funding and education providers, including universities, vocational schools and digital-sector course providers, that want to offer deferred or instalment tuition…
Financial Health
HealthyHealthy · -20% CAGR over 4y
Location
Glow Financial Services Limited
Trajectory
2y · 2020–NowFinancial sub-scores
Computed from 2 filingsDevelops and operates a cloud-based software platform for telecom operators, device manufacturers and electronics retailers. Provides applications for device financing, insurance administration,…
Serves mobile network operators, device OEMs and consumer electronics retailers offering device sales to consumer and business customers.
Financial Health
StableStable · 0% CAGR over 1y
Location
IVENDI LIMITED
Trajectory
3y · 2020–NowFinancial sub-scores
Computed from 3 filingsDevelops automotive finance technology software for vehicle retailers and lenders, including e‑commerce tools, finance application and pre‑approval systems, payment processing, stock management, and…
Serves B2B automotive retailers, vehicle dealers, manufacturers, lenders and finance partners across the UK, including showroom and online sales teams involved in vehicle finance and payments.
Financial Health
StrongStrong · Growing · 0% CAGR over 2y
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsDevelops software that enables B2B merchants to offer invoice payments, net‑term credit and instalments at checkout and point of sale. Platform provides credit and fraud decisioning, buyer…
Serves B2B merchants, marketplaces and banks, including hardware, robotics, wholesale, consumer electronics, SaaS, HoReCa, and building materials sellers handling trade customers and bulk or…
Financial Health
StableStable · Hiring · 86% CAGR over 3y
Location
Super Payments Holdings Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides an online payments platform for e‑commerce merchants, enabling checkout via cards, Apple Pay, Google Pay, open banking and buy‑now‑pay‑later options. Generates revenue through commissions…
Serves a mix of B2B and B2C markets: ecommerce businesses and online retailers, plus consumers shopping with merchants that offer its checkout and pay-later options.
Financial Health
StableStable
Location
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides a B2B payments platform that enables businesses to offer deferred payment options including pay‑on‑invoice, instalments and digital trade accounts. Also offers business credit cards,…
Serves B2B merchants and business buyers across Europe, from SMBs and freelancers to enterprises, including webshops, marketplaces and multichannel sellers in automotive, construction, electronics,…
Financial Health
WeakWeak · -40% CAGR over 1y
Location
Provides embedded finance technology and funding products for small and medium‑sized businesses through partner platforms. Offers working capital, merchant cash advances, buy‑now‑pay‑later and…
Serves B2B platform partners, payment providers and marketplaces that serve small and medium-sized businesses, alongside SMB merchants seeking funding through those partner ecosystems.
Location
Super Payments Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides an online payment platform for merchants that processes card payments, Apple Pay, Google Pay and open banking transactions, and offers buy‑now‑pay‑later options through third‑party credit…
Targets consumer-facing online retailers and e-commerce businesses, with a secondary shopper audience using pay-later checkout options. Serves merchants looking to reduce payment costs and increase…
Financial Health
StableStable · Hiring · 48% CAGR over 2y
Location
STRATUM FIVE LIMITED
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsDevelops and manages recurring revenue products for financial institutions, retailers and membership organisations. Services include insurance add‑ons, extended warranty programmes, buy‑now‑pay‑later…
Targets B2B buyers at financial institutions, retailers and membership organisations, especially teams responsible for customer, member, policyholder or cardholder revenue and loyalty programmes.
Financial Health
WeakWeak · -14% CAGR over 1y
Location
MDG Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides consumer financing through online lines of credit that allow customers to obtain cash advances or purchase electronics, computers, appliances, furniture, and mattresses from an online store…
Serves individual consumers seeking financing for online purchases, including electronics, laptops, TVs, furniture, mattresses and appliances, as well as customers looking for cash advances or…
Financial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
Provides consumer credit and instalment payment plans for Open University students. Pays module or course fees to the university on a student’s behalf and enables repayment through monthly…
Sells to self-funding Open University students, particularly those not using UK/EU tuition fee loans and needing to spread tuition payments or delay payment before their module starts.
Location
LOANITT UK LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsActs as a credit broker arranging car finance for consumers. Provides online applications and calculators, connects applicants with lending partners offering hire purchase (HP) and personal contract…
Serves UK consumers seeking car finance for vehicle purchases, including applicants comparing HP or PCP options and buyers choosing cars through dealership partners.
Financial Health
StrongStrong
Location
Provides embedded finance technology and funding products that allow platforms and partners to offer small business financing, including working capital, buy‑now‑pay‑later and on‑demand capital,…
Serves B2B platform partners, including payments providers, marketplaces, ecommerce platforms and business software ecosystems, that support small-business merchants and customers.
Location
GLENSIDE LEASING AND ASSET FINANCE (HOLDINGS) LIMITED
Trajectory
5y · 2021–NowProvides car finance and hire purchase loans for vehicle purchases, specialising in lending to customers with poor or adverse credit histories. Offers online applications, loan approval, and payment…
Serves UK consumers seeking car or van finance, particularly individuals with poor or bad credit histories who want hire purchase funding through reputable UK dealerships.
Financial Health
Insufficient historyInsufficient history
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides consumer credit facilities for Open University students, paying tuition fees to the university on their behalf and allowing repayment through monthly instalment plans or short‑term…
Serves individual Open University students who are self-funding their module or qualification fees, including those not using UK/EU tuition fee loans and needing alternative fee payment arrangements.
Financial Health
StrongStrong
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops an open banking payments platform that aggregates bank account data and provides identity verification, credit decisioning, and account‑to‑account payment processing, enabling businesses to…
Serves B2B customers including financial institutions, fintech companies, utility providers, retailers and large enterprises managing payments, customer onboarding, credit decisions and collections.
Financial Health
HealthyHealthy · Hiring · 58% CAGR over 2y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides a fintech platform for schools and families that enables payment and management of school-related fees and services through a mobile app, including tuition, transport, activities, uniforms…
Serves parents and families with school-age children, plus schools and education institutions managing payments and financial operations, with related partners such as transport, canteen, uniform and…
Financial Health
DistressedDistressed · -79% CAGR over 4y
Location
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How UK BNPL companies work and how to sell to them
What they do
Most BNPL providers monetise checkout finance through merchant fees, financing margins and, in some models, customer charges linked to repayment behaviour. The product shape is part payments service, part credit operation: merchant onboarding, checkout integration, credit assessment, repayment scheduling, settlement, refunds and collections all have to work together. Pricing is usually tied to transaction volume, basket profile and risk appetite rather than seat licences. Larger merchant relationships tend to involve negotiated commercial terms, implementation work and ongoing performance reviews, while smaller merchants may enter through platform-led or payment-intermediary routes with less bespoke configuration.
Who they sell to
Retailers and marketplaces tend to buy BNPL when they want to offer instalments without running their own consumer-credit operation. Typical buyers include ecommerce directors, payments leads, finance leaders, product managers and, where regulated activity is material, legal and compliance teams. Payment intermediaries may act as both channel partner and commercial gatekeeper. Sales cycles vary by merchant size: smaller online retailers can move through standard onboarding, while larger retailers usually require risk review, integration testing, commercial negotiation and sign-off across finance, customer service and compliance. RFPs are more common where BNPL sits inside a broader checkout or payments review.
What they buy
Spend tends to cluster around the operating systems needed to manage credit at checkout: identity checks, fraud screening, affordability workflows, decisioning tools, payment processing, collections operations, customer-service case management and complaints handling. Most BNPL firms also need reconciliation tooling, data warehousing, analytics, cyber security, cloud infrastructure, CRM, partner management and finance systems that can handle merchant settlement and repayment flows. Services spend often sits with regulatory advisers, consumer-credit lawyers, accounting firms, recruitment partners and specialist collections support. Earlier-stage teams may prefer outsourced capacity; more mature operators tend to bring risk, compliance and servicing workflows in-house.
Why and how to sell to them
Commercial urgency usually comes from the tension between merchant growth and credit control. BNPL buyers tend to evaluate vendors when they add new merchant categories, sign payment-intermediary partnerships, change underwriting policy, receive FCA-related advice, hire senior risk or compliance staff, or see servicing volumes rise. Useful outbound angles are specific: fewer manual reviews, clearer audit trails for customer treatment, faster merchant integration, better refund and chargeback handling, lower missed-payment servicing effort, or cleaner settlement reporting. Generic fintech messaging is less likely to land than a proposition tied to conversion, loss rates, conduct evidence or operational cost per transaction.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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Frequently asked questions
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