Second Lender

FlexPay includes a built‑in secondary lender, Newpay. If a customer isn’t approved for FlexPay, they can apply for Newpay seamlessly within the same journey, without re‑entering their details.

This secondary lender offer takes place directly within the FlexPay experience and means that more customers may be able to complete their desired purchase through your website.

About Newpay

Newpay is a digital credit product provided by NewDay Cards Limited. One of the UK's leading lenders, we provide nearly 5 million customers with responsible access to credit, underpinned by best-in-class customer service and exceptional user experience. At NewDay, our business is focused on a single, clear and defining purpose: to help people move forward with credit.

As well as increasing acceptance of customers using finance and therefore sales, it means your website is likely to have returning customers who will have accounts from either brand.

Because customers may return with either a FlexPay or Newpay account, retailers must display both FlexPay and Newpay at checkout.

Our integration specs explain how to add both options, while our ecommerce FlexPay modules implement them automatically.