Here are some of our most frequently asked questions. For more details, Book a demo with our dedicated team.
• Bira Plus Plans (Paid Weekly): Payments are made weekly on the 4th working day (normally Thursday) for all agreements approved up to Sunday midnight of the week before.
• Bira Pro Plan (Paid Next Day): Payments are made the next working day for agreements approved before midnight the day prior. Excludes Saturday and Sundays.
No. You cannot add a surcharge or extra charges to cover the cost of offering 0% instalments. Doing so could breach rules around offering finance.
Yes. We believe in lending responsibly, so every customer who applies is credit checked. This helps ensure they can afford repayments and reduces the risk of financial hardship.
• We run a soft check first (invisible to lenders).
• If approved, it becomes a hard check once the agreement is signed.
• From 2026, new regulations will require all lenders to check every customer, regardless of agreement value.
We review all new partners to make sure they meet our standards for customer service, reviews, and that you are a responsible partner. Verification usually takes up to 2 working days, but may take longer if we need extra information.
⚠️We cannot finance certain categories such as drugs, military equipment, counterfeit goods, or “get rich quick” schemes.
You don’t need to worry—your business is already paid in full (minus our fee).
If a customer misses a payment, we contact them directly (by phone, email, SMS, and letters) to resolve the issue. Common reasons include:
• Accidental direct debit cancellation
• Not recognising the payment name on their statement
• Unexpected changes in circumstances
We work with the customer to get their payments back on track. More information is available in our Support area.
