Flexible finance  
to win more customers
Offer your customers interest-free instalments and boost your cycling sales! Join ACT members making payments easier for their customers!
Sign up
Book a demo
Trustpilot

Discounted Fees for all ACT Gold Members

All ACT Gold Members get exclusive access to discounted fees.
Pricing
“We’re delighted to partner with PayItMonthly and to recommend their services to our ACT Gold members. Their easy-to-use platform, strong marketing support, and competitive pricing make offering flexible payment options both simple and affordable for cycle retailers of all sizes.”

Leon Mepham

Membership & Services Manager  - ACT

Why are cycle shops offering finance?   

Make it easier for customers to choose skilled repairs or their dream bike upgrade with simple monthly payments.

Sign up

Want to discuss our plans? Call 0333 212 3914

Remove price barriers

92% of customers said they wouldn’t have made the purchase without instalments**.

Increase customer spend

46% of customers increase their order value when they can pay in monthly instalments*.

Prevent lost sales

57% of merchants using BNPL reported an increase in basket conversion*.

Proudly working with

Supercharge your sales

Taking the next steps to grow your bike shop is simple. You could be offering finance in as little as 48 hours.

Grow your business

Boost customer satisfaction

Exclusive ACT pricing

Free marketing support

Book a demo

How it works

Step 1: Verify your account

Follow the simple steps to open your free account.

Step 2: Offer instalments

Customers can sign agreements in-person, email or online.

Step 3: Get paid

Payment made to you once goods or services have been delivered.

Pricing & Plans

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ACT Gold Membership Benefits

Exclusive discounted fees

Weekly or next-day payout

2-12 instalments

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ACT Pay As You Go

Recommended
Perfect for occasional use. Includes weekly payout and no monthly fees.
Credit charge:
5.9%
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Instalments length:
Pay in 3
Customer price:
£1,000
Paid to you:
£931
In-store POS & Digital Marketing
Pass Genie™ AI Acceptance Boost
£0
Monthly fee
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Get started
View all features

ACT Plus

Recommended
Our most popular plan. Ideal for reducing costs and supporting your growth.
Credit charge:
3.9%
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Instalments length:
Pay in 3
Customer price:
£1,000
Paid to you:
£951
In-store POS & Digital Marketing
Up to £5,000 per customer
£29
Monthly fee (save £10)
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Get started
View all features

ACT Pro

Recommended
Our lowest fees and great for higher volumes. Next day payment and a £10K limit.
Credit charge:
1.9%
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Instalments length:
Pay in 3
Customer price:
£1,000
Paid to you:
£961
Paid next working day
Up to £10,000 per customer
£89
Monthly fee (save £60)
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Get started
View all features

All features

Pay As You Go

Plus

Pro

Customer Credit Limit
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Up to £3,000
Up to £5,000
Up to £10,000
Credit Charge (3, 6, 9 or 12 instalments)
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3 (4.9%)
6 (7.9%)
9 (10.9%)
12 (13.9%)
3 (3.9%)
6 (6.9%)
9 (9.9%)
12 (12.9%)
3 (2.9%)
6 (5.9%)
9 (8.9%)
12 (9.9%)
Monthly Fee
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£0 Ex VAT
£29 Ex VAT
£89 Ex VAT
Customer Pre-Approval Checker
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Pass Genie™ Acceptance Boost
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Offer Flexible Instalments via
In-store, online & email
In-store, online & email
In-store, online & email
Marketing Materials
Digital marketing assets    £29 for In-store POS
Digital marketing assets Free In-store POS
Digital marketing assets Free In-store POS
Portal Access
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Digital Integrations Plugins
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API access
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Dedicated Account Manager
Priority Legal & IT Support
Set Up Fees
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£0
£0
£0
Contract Terms
30 day rolling contract
30 day rolling contract
30 day rolling contract

Payment calculator

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Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Your customer’s payments will be
as follows:

Customer initial payment:

£200

Customer monthly payments :

3 x £200

Customer total payable:

£800

Credit charge:

£31 (3.9%)

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You are paid:

£776

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Note figures shown are for illustrative purposes only and rounded to the nearest pound. Pro and Plus plans require monthly payment, see Pricing page for details.

Partner Rewards

Your hard work - Rewarded

From Greggs gift cards and branded YETI mugs to tickets to cycling events – the more agreements you put through, the more rewards your bike shop earns.

Greggs Gift Card  

10,000 points

Branded Yeti Mug

100,000 points

Red Bull Hardline Tickets  

1,000,000 points

Frequently asked questions

Here are some of our most frequently asked questions. For more details, Book a demo with our dedicated team.
Book a demo
When do I get paid?
Can I charge my customers more if they choose instalments?
Will my customers be credit checked?
How do you verify me and my business?
What happens if my customer misses a payment?

Contact Us: 0333 212 3914

PayItMonthly Ltd T/A PayItMonthly Registered in England and Wales at: Ellenborough House, Wellington Street, Cheltenham, GL50 1XZ. Company Number: 09719909.

*Finder BNPL report (Jan 2025) finder.com **Bain & Company Merchant Survey (2021) bain.com

PayItMonthly is a form of credit that allows you to spread the cost of your purchase over monthly instalments. You must be 18 or over, a UK resident (excluding the Channel Islands), and meet our eligibility criteria. All credit is subject to status and affordability checks. Late or missed payments could impact your ability to access credit in the future.
PayItMonthly is not currently regulated by the Financial Conduct Authority. Terms and conditions apply. For full details, visit payitmonthly.uk/terms

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