Fair & fitting Buy Now, Pay Later for your store

Customisable durations and amounts to suit your business and your customers

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A lady setting up her online store

Finance that fits

Amounts and loan durations beyond traditional BNPL.
Match with the lifetime and value of your products. 

From shoppers to buyers

Offering the ability to spread the cost will help convert more shoppers into buyers;

  • Their monthly train budget can buy a new e-bike
  • Their weekly spend on banana bread could buy them a home gym
  • They can buy their outdoor furniture in spring and pay it off by the end of summer
A man showing a chart with increasing sales
A man looking at his payment schedule

Fair & fast finance

NO interest, late fees or account fees for your customers. Fair merchant fees for you.

Short and easy online application with 79% completion rate. Instant decision.

Simple integration

Getting started with etika is easy. Integrate with popular platforms like Magento, Woocommerce and Drupal. We also offer custom solutions!

An example online store with Magento, Drupal and Woocommerce icons
Treadmill Offers image

“Speedy Approval & integration Process, Do recommend the service of etika team”

Soni, HR Sports

How it works

Customers can spread the cost with no fuss.

Your customers select etika at Checkout

Customers select etika at Checkout and fill out a short form to get approved instantly.

They spread their payments

They pay us in instalments. With no interest, account or late fees.

We pay you - fast & easy

We settle all transactions on the next business day, minus the agreed merchant fee.

How it works for customers
We are proud to partner with brands from various industries

Customised solutions to keep you growing

A rocket
Boost conversion

90% of our partners’ shoppers complete our application process.

A mobile phone
Optimised for mobile

We designed our Checkout to support growing mobile users.

A magic wand
Turn shoppers into buyers

Help your customers by spreading the cost

We’ve got you covered

Data insights
We can help you gain additional insights into your customers to support your marketing and sales efforts.
Helpful support
You get business support from our local service team.
Fast approvals
We have an integrated credit and ID check with top credit bureaus.
Responsible lending
We adhere to the principles of responsible lending and will try and ensure as best as we can, that customers can afford what they are buying.
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Ready to get started?

Provide some details, and we'll be in touch.

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