Finance Page
What you need to know
In this document, you will find details on how to ensure your customers can access further information on the Black Horse FlexPay product.
It is mandatory to include a link to our Black Horse FlexPay page in your website footer. Please ensure the link below is added from live date.
Link here: https://www.blackhorseflexpay.co.uk
You can do this by hyperlinking the text ‘Black Horse FlexPay’ in your website footer or adding our logo (below) to your footer and hyperlinking. You will receive our logos via email upon integration.
If you are unable to link to our website, please use the guide below to create a Black Horse FlexPay finance page on your site.
For each header, we have included whether it is mandatory or optional. We have added optional sections to allow you the flexibility to choose information you think is relevant for your finance page, however the mandatory sections must be included. These are highlighted in [purple].
Please use the copy below to create your finance page and do not amend any of the copy. We have provided creative for specific sections, and if you are unable to use this, please use the copy instead.
Sections that require amends are in [red brackets].
If you have any questions on the finance page, please contact your account manager.
Black Horse FlexPay - an easy way to pay [Mandatory]
Shop for the things you want and pay with easy instalments.
About [Mandatory]
FlexPay is a digital credit account which lets you buy now and spread the cost of your purchases.
It comes with a reusable credit limit which you can use to pay for your purchases - you could do that by using any instalment plan on offer in your account or by simply paying with your flexible credit.
How it works [Mandatory]
Flexible and easy
FlexPay offers a reusable credit limit.
Use your credit limit to buy what you want and spread the cost for your convenience.
Available only at participating retailers.
Manage your payments
Pay using the monthly instalment plans available for purchases above £100, at rates as low as 0%* or use your flexible credit at the standard rate.
Pay for all your plans and purchases with one easy monthly payment.
*Offers may be subject to minimum basket sizes and durations determined by the retailers.
Simple to keep track
Download the FlexPay app when you've got your FlexPay account.
Your instalment plans, statement balance and payments are at your fingertip.
Representative example [Mandatory]
23.9% APR Representative (variable)
23.90% PA Standard rate (variable)
£1,200 Assumed credit limit
The APR, credit limit and any promotions that you’re offered will depend on the assessment of your application. Your standard interest rate will apply to the balance in your credit account which is not in an instalment plan. Instalment plans will remain at the rate they are offered unless you cancel a plan or miss a payment, then your standard interest rate will apply instead.
Credit is subject to status. Conditions apply. Black Horse is a trading style of MBNA Limited, who is the lender.
Who can apply for FlexPay [Mandatory]
If you’re applying for FlexPay, you need to be over 18, a UK resident and have a valid bank account, mobile number and email address. We will need to do online credit checks and verify your identity to ensure that FlexPay is affordable for you and your financial circumstances.
How to apply [Mandatory]
You can apply at any online retailer offering FlexPay on their website - just select 'Pay with FlexPay' on their checkout page to start your application.
Need more support? [Mandatory]
If you need more support with FlexPay, please visit the link below for help with a wide range of topics.
https://www.blackhorseflexpay.co.uk
FAQS [Optional]
How can I access my account?
Staying on top of your FlexPay purchases is easy. Get instant access to your account information, set up a single monthly payment, see what your balance is and much more.
Downloading the app is the quickest and easiest way to manage your FlexPay account.
You can keep track of purchases, instalment plans and much more.
Available on both Android and iOS you can use the FlexPay app to:
- Check your account balance
- View your instalment plans
- Pay your outstanding balance
- Set up a Direct Debit
- Change your account details e.g. address
- Browse retailers where you can spend
Download the iOS app (live link)
Download the Android app (live link)
You can also log in on your PC or laptop to check your account, keep track of repayments, update your details and a lot more.
How do I return or exchange an item purchased on Black Horse FlexPay?
If you buy something using FlexPay and change your mind within the retailer’s return or refund period, your refund will return to your FlexPay account when the retailer processes it. This will be reflected in your balance on your app as well as on your online account manager and your next statement.
Legal Disclosures [Mandatory]
FCA Disclaimer
At the bottom of your finance page, you must make the appropriate disclosures regarding your credit broking activities, as well as information about Black Horse, a trading style of MBNA Limited.
Please refer to our communications guide on how to ensure you have the correct disclosures.
Please include the following wording in the footer, alongside your disclosures regarding your credit broking activities.
[Please add your credit broking disclosures here ensuring the first sentence of the disclosures states the merchant is a credit broker and not a lender in bold font, see below]
<Merchant name is a credit broker and not a lender> followed by the rest of your disclosures and then include the Black Horse disclosure wording below.
Black Horse is a trading style of MBNA Limited. MBNA Limited Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, register number 204487, for the provision of payment services.
Updated about 2 months ago