Help and Support

Finance Questions

Payl8r is the leading finance provider for the beauty and aesthetic industry. From Botox to hair extensions, spa days to body sculpting, Payl8r allows you to look and feel your best, whilst spreading the cost. You can view their website at https://payl8r.com/

  • With Payl8r you can spread the cost over 3, 6, 9, or 12 months.
  • If a loan is paid back in the first 30 days - it is interest-free.

Where required, Payl8r also uses affordability checks to assess an individual’s eligibility.

There are a number of options for the client to take out finance with you, they are:

- Directly through a consent form.
If you have forwarded your client a consent form via Faces, your client will have the option to take out finance directly through the
consent form.

- Directly through the Faces clinic search.
If your client or a new client books directly from the clinic search they can select a treatment, add it to the basket, and then proceed with the finance application.

- Forward finance link directly to the client.
As a practitioner, you have the ability to forward a direct link to the finance application directly from the Faces app or website. Your client can then go through the application.

Fees will be 10%, this covers the admin fees.

Once the client has been approved, you will receive an email confirmation that approval has happened. The client will need to confirm the transaction on the day of treatment from their email. Once the email has been confirmed you will be given a 4-digit code, once this code has been entered into your app, you will then receive the money directly to your bank account the next business day.

Immediately after completing the form.

At the moment, it can be only sent to your client’s email address.

Interest rates will typically vary from 0-4% per month. 

The first 3 months are interest-free.

Representative Example:

If you borrow £200 over 12 months at a fixed monthly interest rate of 4% and an annual rate of 48% and a representative annual percentage rate of 127.34% You will pay: Monthly payment: of £24.66. The total amount you repay: £295.92 Total charge for credit: £95.92

Aside from client treatments, if you are a training academy, you can also offer this service to your students.

It will be a soft credit check only and will not affect your client’s credit score.

All customers who meet the minimum credit criteria and, where required, the affordability checks, will be accepted.

Clients will be able to take out finance from 1 month - 12 months. To start, it will be from £50 - £2000.

We thoroughly check your clients’ standing before we’ll approve their loan but, in any case, that your clients encounter problems with payments, please advise them to contact the lending company as soon as possible so they can arrange payment options for your clients.

The terms and conditions will start from when the treatment has been completed by the practitioner.

Unfortunately, if your client is unsatisfied with the results of their treatment, we are unable to help as this is an issue that you need to address as their practitioner.

We recommend that you reach a resolution with the client independently. If this is not possible, then you will need to contact the lending company to open a case against the client and have the funds retrieved.

If your client has decided to get another treatment, this will have to be paid in full as further finance will not be offered.

Please contact the lending company as soon as possible so they can instruct your client on what are the steps to return the loan amount or if there are any documents your client needs to sign.

Payl8r is the leading finance provider for the beauty and aesthetic industry! From Botox to hair extensions, spa days to body sculpting, Payl8r allows you to look and feel your best, whilst spreading the cost. You can view their website at https://payl8r.com/

  • With Payl8r you can spread the cost over 3, 6, 9, or 12 months.
  • If a loan is paid back in the first 30 days - it is interest-free.

Where required, Payl8r also uses affordability checks to assess an individual’s eligibility.

Loan terms range from 1-12 months with a value range of £50-£2000 (with view of going up to £10,000)

At Stage 4 of the application, where you enter your bank details and card information, you will be asked to agree to a £2 soft credit search

For accepted orders, this fee is taken forwards and contributes towards the application fee. An accepted order has a £4.95 fee in total.

  • Interest rates will typically vary from 0-4%per month
  • Interest free for the first 3 months
  • Here is our representative example which can be used, but the APR will be impacted by the % of interest on each loan and the loan term, so we advise the above point being referenced:

Representative Example: If you borrow £200 over 12 months at a fixed monthly interest rate of 4% and an annual rate of 48% and representative annual percentage rate of127.34% You will pay: Monthly payment: £24.66. Total amount you repay: £295.92 Total charge for credit: £95.92

Yes.
You must have a UK bank account capable of accepting Direct Debits and you must have online banking.

Yes.

The amount of the deposit is detailed at the start of your application and on your summary.

The standard deposit is 10%.

The deposit is only taken once you have been accepted on Payl8r.

Payl8r will perform a soft check and affordability assessment to determine a customer's suitability.

Your monthly repayments are collected from your debit card as a CPA (continuous payment authority).

We thoroughly check your credit and affordability before we approve the loan. If any Payl8r customers find themselves in financial difficulty our friendly collections team are on hand to provide help. Payl8r also offers a 28-day window whereby a customer can make a missed payment before any late fees are applied.

All customers who meet the minimum credit criteria and, where required, the affordability checks will be accepted.

Yes, you can repay early at no extra cost.

Immediately after completing the form, or where required, once the manual underwriting team has reviewed the application form. Payl8r will aim to give an instant decision at all times but sometimes the manual underwriting team might be required following affordability checks. Customers are kept up to date with this on the application form and then text/email.

Customer Support Queries - My colleague Emily heads up the support desk and she will be readily available to help with any customer related questions or pointers:

The terms and conditions will start when the treatment has been completed by the practitioner and the payment code has been entered into the Faces app.

Each customer is emailed and texted with an overarching reason for their decline: creditor affordability. If the reason is affordability, the customer is told they can reapply with a higher deposit/lower order value to make the monthly repayments more affordable.

Customers can ring the number above to run through reasons for rejection, should they wish.

Often, the reason for a decline is that incorrect information has been entered in the credit application form.

Please ensure you carefully enter all required information.

Unfortunately, we cannot give reasons for every decline, but common reasons are; Multiple accounts in default, Incorrect details used, Debit card not registered to the address given, Bad status on payday loan accounts, and Failure to meet affordability criteria.

Yes, if the loan is still in pre-approval and the payment code has not been initiated you are able to change the treatments and price on Faces. The total value of the treatments must not exceed the original.

If you have decided to get another treatment, this will have to be paid in full as further finance will not be offered unless your Payl8r has at least 2 successful repayments (60 days) and is up to date with no arrears. In this instance, a new application form can be completed for a second treatment.

If the treatment has not been carried out - contact the practitioner/clinic to cancel the order.

Buy Now Pay Later up to 14 days no interest. Now available. With Payl8r.

How does it work?

You can now buy stock and pay later with this new Buy Now, Pay Later feature.

Once you complete the registration and unlock finance, the Buy Now, Pay Later option will appear at the checkout within the pharmacy.

Once your application has been approved (only takes a few minutes) your order will be processed as usual and you will only need to pay back within 14 days. Giving you time to treat your client first.

Interest-Free feature, you won’t be charged any interest for using Buy Now, Pay Later.

You can have up to three applications live at any one point.

Please complete registration to use this feature.

Yes buy now, pay later is open to new and established businesses, doesn't matter if you are a sole trader or a limited company. You can still be eligible. 

Yes, even if you are a sole trader you would be OK to register for buy now pay later to spread the costs of your purchases.

No, Payl8r won't charge you any interest for using this service to purchase stock.

Each loan is valid for up to 14 days, so once you have been accepted for the loan and your order has been successful, you have 14 days to pay it back.

If you are struggling to make repayments or thinking you may miss a payment, please call Payl8r as soon as possible. Doing this will help you discuss the situation with them and they will look at other solutions.  Payl8r can be contacted on: 0161 425 6363.

You are able to have up to three outstanding loans at any one point. Once you have had three loans you will then have to fully pay one of them off before applying for the next one. 

You can currently borrow in one single order £2,000. You are able to have up to three applications at any one point. 

There is an application fee paid to Payl8r of £2.00. But you won't be charged any interest on the money borrowed.  

It will be a soft credit check only and will not affect your credit score.

As long as you meet the minimum credit criteria and, where required, the affordability checks will be accepted.

Pretty much straightway, if the order is placed during working hours, it will be confirmed within 10 minutes. 

If you need a refund, contact the pharmacy direct and they will process the refund for you. This payment will go back to Payl8r. Please make sure you have informed Payl8r that you have requested a refund.

Yes! You have up to 14 days of the initial loan to pay it back. You can pay the amount back anytime within that time period. 

Yes, when registering for buy now pay later, you will need a bank account to allow payments to be made back to Payl8r. This can be a business account or a personal one.

No, you won't be required to pay a deposit.  

Decisions usually are made within minutes. If you believe there is an issue, please contact either Faces 01785 55 8018 or Payl8r 0161 425 6363 and you'll be supported through the process. 

The terms and conditions will start when the order in your basket has been completed. 

If you get declined for buy now pay later you can call Payl8r and find out the reason for this and they will help you through the process.  0161 425 6363

Once the order has gone through you won't be able to change the amount, unless it's refunded and the process begins again or you make another order if you wanted to increase your order.

Buy Now Pay Later. Now available.

Faces have teamed up with Payl8r to offer practitioners the ability to pay for their orders at a later date. The practitioner can purchase from you as usual, but then pay the outstanding balance back to Payl8r within 14 days.

Once a practitioner has selected Buy Now, Pay Later with you, you will receive the full amount of the order directly from Payl8r the next day.

Payl8r will take control of repayments from the practitioner, so you don’t have to.

Having the option allows practitioners to make larger purchase orders, knowing they can pay back once the client has been treated.

Practitioners can each have up to three applications live at any one point.

As soon as the finance has been approved, Payl8r will release the payments directly to your bank the next working day.

If the customer needs a refund, then you can simply refund this back from within your Faces account, the customer will receive the refund within five working days.  

Payl8r charges a 3% service fee on all orders approved.  Remember though, you won't get charged by the gateway, so those fees won't occur. 

To register you can simply do this via your Faces dashboard under Profile.  However any issues, please contact our customer service team and they will advise.

Practitioners can currently spread the cost of up to £2,000 per checkout. Each practitioner is allowed to have up to three Buy Now Pay Later loans outstanding at any one point. The practitioner will need to pay back the initial payment within 14 days of receiving it before they can open another loan.