

More approvals. More sales.
Recover lost sales
Approve more customers who would otherwise fail standard credit checks.
Seamless setup
Works automatically in the background with your existing account.
Risk free
We take on the extra risk so you don’t have to.
Step 1: Check if you need it
Our Failed Credit Check (FCC) emails show if your customers would have been approved.

Step 2: Activate Pass Genie
Email support@payitmonthly.uk or call
0333 212 3914 to activate Pass Genie™.

Step 3: Get more approvals
Our system will automatically approve more customers for finance.


Simple tiered pricing
Pass Genie™ uses a tiered system. You choose the maximum tier you want to activate, and our system will always approve the customer at the lowest tier they qualify for.
Note: You’ll only pay the additional Pass Genie™ fee when it directly helps a customer get accepted. Standard applications remain at your usual rate.

“Pass Genie works really well at gathering extra revenue and sales”

Tristan Bowers
Managing Director
+30%
increase in approved agreements (last 12 months)
+28%
increase in agreement turnover (last 12 months)

Pass Genie™ is PayItMonthly’s in-house AI tool, built on over a decade of real lending data. It works behind the scenes to approve more genuine customers who might otherwise be declined — going far beyond standard credit checks.
Pass Genie™ uses a tiered system. You choose the maximum tier you want to activate, and our system will always approve the customer at the lowest tier they qualify for.
For example, if you enable up to Tier 3, but a customer passes at Tier 1, you’ll only pay the Tier 1 Pass Genie™ fee of 1.9%.
It’s simple — just give us a call on 0333 212 3914 or email support@payitmonthly.uk and our team will activate it for you.
Pass Genie™ uses a simple tiered pricing model, with a small additional fee added to your existing rate only when it helps a customer get approved.
• Tier 1: +1.9% – Slightly expanded acceptance range
• Tier 2: +3.9% – Moderately expanded acceptance range
• Tier 3: +9.9% – Widest expanded acceptance range
For example, if your standard fee is 7.9%, and the customer passes at Tier 2, your total fee would be 7.9% + 3.9% = 11.8%.
You’ll only ever pay the additional Pass Genie™ fee when its advanced checks directly result in an approval.
They stay on your standard PayItMonthly rate — Pass Genie™ fees only apply when a customer who would have been declined by the default check is approved at one of the Pass Genie™ tiers.
All PayItMonthly partners already benefit from our advanced AI decisioning system as standard. This intelligent engine automatically approves customers who represent a normal or equal level of risk, helping you say yes more often while maintaining responsible lending.
Pass Genie™ is an optional extra layer on top of this.
It’s designed specifically for businesses who want to open up their acceptance range further – approving more customers who sit just outside the standard criteria. Because these customers carry a slightly higher level of risk, they fall into Pass Genie’s tiered pricing, with a small additional fee applied only when Pass Genie™ is the reason they’re accepted.