FAQ

Float is a UK buy now, pay later platform that lets your customers split purchases over up to 12 interest-free, fee-free monthly instalments using the available limit on your existing Visa or Mastercard credit card, without any application or credit check. Think of it like an interest-free ‘budget facility’ – you get to enjoy your purchases today, pay for them over time and you don’t take out any extra credit to do so, either.  

The benefits of offering Float as a payment option are many, but here are just a few: 

• Increase average order values by 134% on average; 

• Drastically improve conversions; and 

• Grow incremental sales. 

As Float is instantly accessible to around 18 million pre-approved credit card holders in United Kingdom alone, you’re opening your business to a pool of potential shoppers with more purchasing power than ever before. 

Float is the most flexible, frictionless, and financially responsible buy now, pay later platform in the United Kingdom. Here are just a few reasons why: 

• Frictionless checkouts for your shoppers, with no applications or credit checks. 

• No limits on order sizes (Float’s average order is around 10x larger than other buy now pay later platforms), meaning you can sell those big-ticket items with ease. 

• Longer and more flexible repayment periods than any other buy now, pay later platforms. 

• Customisable for your business – the number of instalments offered, minimum order values and even the settlement terms for your sales made through Float.

Float is a payment method for your customers (we call them ‘shoppers’). It can be offered via ecommerce checkout, on an invoice, or even over email/text message. 

When a shopper makes a purchase using Float, they get to enjoy your goods/services today and pay in interest-free monthly instalments. We take on the risk of collecting repayments from shoppers and settle you in full.

Absolutely! You get to customise your Float offering to suit your business’s needs in 2 ways: 

• The number of instalments offered to your shoppers; and 

• Minimum order values. 

We’re delighted that you’re interested in partnering with Float to grow your business! Please complete a merchant enquiry form. Alternatively, please feel free to contact us at merchants@choosefloat.com or (+44) 20 3808 4272 and we’ll be glad to assist. 

We are proud to be a truly omni-channel solution. Float can be offered in many ways to suit your business’s needs, such as: 

• On your ecommerce website, via one of our easy-to-use plug-ins or our Float API; or 

• Using a payment link (sent via email/text message or on an invoice). 

Yes, we do!

Float works with any Visa or Mastercard credit card, even if it is a business credit card.

Shoppers can use Float in 3 easy steps. There is no application and no credit check.

1. Select Float as their payment option at checkout.
2. Choose their number of instalments.
3. Enter their credit card details and Float it!

Float can facilitate up to 12 monthly instalments. However, you can customise the number of instalments offered to your shoppers to suit your business’s needs. 

Float can facilitate up to 12 monthly instalments. However, you can customise the number of instalments offered to your shoppers to suit your business’s needs.

Getting set-up with Float is super easy! We have easy to use plug-ins and APIs for e-commerce stores. We’ll also support you throughout the on-boarding process to ensure we get you live as seamlessly as possible. 

Float currently has integrations with WooCommerce, Magento, and Shopify with many more on the way. Our Float API is also available for custom integrations, giving you the power to define your own customer experience.

Don’t worry! Float takes on the risk of collecting repayments, similar to offering regular credit card payments.

You choose how often you want to get settled for sales processed through Float. You will receive the full value of the purchase upfront, and your shoppers get their purchases upfront.  

Float charges a fee for each successful transaction processed through our platform. As Float is completely customisable for each of our merchants, the fee depends on a number of factors. Please complete a merchant enquiry form or contact us at merchants@choosefloat.com and we’ll be happy to discuss the fee structure in further detail. 

Float will always work in line with your refunds and returns policy. Shoppers should always notify you directly for any returns, refunds, or exchanges, just like any other transaction. If you decide to process a refund or return, you can let us know with a simple electronic request via the merchant portal and our system will automatically calculate and process any amounts due back to the shopper.

We’re committed to fair, transparent resolution of concerns. If you’re unhappy with any aspect of your Float experience, here’s how to bring it to us: 

1. Email our support team at  support@choosefloat.com   with the subject line “Complaint – [Brief Summary]”.
2. Include relevant details—e.g., date, plan number, issue description, any screenshots. 
3. We aim to respond within 2 business days with next steps to resolve your concern. 
4. If you don’t receive a satisfactory response within 8 weeks, you may escalate your complaint via Resolver.co.uk, or, once regulations are in place, to the Financial Ombudsman Service (FOS).