Make paying in instalments part of your customer journey.
Put larger purchases within reach for your customers with an instalment option that fits your online customer journey. From product page and checkout to approval and payment: SprayPay provides the financing, so you can focus on your customer and your business.
Retailers working with SprayPay
From electronics to home furnishing, from bikes to cameras.
And more than 100 other retailers
What does SprayPay bring your business?
Give customers the option to pay for a larger purchase responsibly, over several months.
Make instalments visible where the buying decision happens: from product page to checkout.
We handle the credit application, assessment, financing and management of the loan.
Lending, creditworthiness and compliance are part of our service from the ground up, rather than an addition afterwards.
By making instalment payments visible and available during the customer journey, you give customers more choice in how they pay. That brings larger purchases within reach too, without you having to run credit processes, approval or administration yourself.
How we sit alongside your customer journey
SprayPay sits next to your existing payment methods, in your own styling. Your brand stays up front.
The customer applies, we assess within seconds, the customer knows where they stand straight away. Your dashboard shows the purchase is settled.
Payment to you, collection from the customer, questions about instalments. Your customer conversations stay about your product.
Why retailers choose SprayPay
Your brand stays up front
SprayPay has no consumer brand of its own that grows to stand in front of yours. Customers buy from you, not from us. The payment method adds something to your checkout and leaves the customer relationship where it belongs.
One point of contact
Our merchant desk knows your account, your configuration and your customers. From the first conversation until after go-live you call the same number.
Ready for CCD2. Which makes you ready too.
From 20 November 2026 the European playing field for consumer credit and BNPL changes. SprayPay has worked under its own AFM licence for eight years and has built responsible lending and compliance into its service from the ground up.
For you as a merchant this means you choose a financing partner that is prepared for CCD2, so you can keep offering your instalment proposition responsibly and for the long run.
Experience and compliance you can build on
SprayPay has been an AFM-licensed provider of consumer credit for eight years, specialised in online instalment payments at the point of sale. We combine that experience with technology, personal merchant support and a proposition with responsible lending built in from the design stage.
Are we a fit for your business?
The merchant desk looks at your platform, your order size and your customer journey with you. Fill in five fields and we will call you within two working days.
Who it fits
Four markets where paying in instalments decides between postponing and buying.
Heat pumps, solar panels and home batteries
Purchases between 3,000 and 15,000 euro, customers with a specific goal and a short decision period. At a national home battery supplier, 28 percent of customers choose to pay in instalments.
E-bikes, electric scooters and fatbikes
Customers who deliberately pick one product and expect years out of it. A bike chain with eight branches in the north of the Netherlands offers SprayPay as a payment method at the counter.
Orthodontics, aligners and dental care
Treatments that are often not fully covered by insurance. A national chain for invisible braces handles more treatments thanks to SprayPay.
Home, electronics and sport
Purchases where the customer weighs saving up, postponing or taking it home today. A Dutch consumer electronics retailer offers SprayPay in the webshop and at the counter.
What SprayPay connects to
Native payment method at the counter
Plugin from the app store
eCom and Retail
Plugin
Module
Through the app center
For your own developers
Call the merchant desk
The merchant desk
From the first conversation until after go-live, your account has one point of contact with us.
Phone
085-3036205
Weekdays 9:00 to 17:00
partners@spraypay.nl
Reply within one working day.
Frequently asked questions
What if a customer does not pay?+
We carry the credit risk. Your payment is fixed as soon as the purchase is settled. Collections and payment arrangements run through us, not through you.
How long does connecting take?+
That depends on your platform. With an existing plugin you are ready sooner than with your own API integration. We validate the technical setup at least two weeks before the planned go-live.
What happens with a return?+
If the customer does not take delivery, the application lapses and no credit starts. For a return after delivery we adjust the credit and settle with you.
Does SprayPay cost the customer extra?+
Before signing, the customer sees what paying in instalments costs, including the annual percentage rate. The exact figure depends on the amount and the term.
Which amounts are possible?+
Purchases from 250 to 15,000 euro, with a term of 1 to 60 months. The customer picks the term.
Is my customer checked with the credit register?+
Yes. We check every application with the Dutch credit register and register the credit there. That is part of responsible lending and protects your customer against a loan that does not fit.
Adding instalment payments to your customer journey?
We are happy to think along about how SprayPay fits your webshop, checkout and customer journey.
Become a partner
Become a partner
Leave your details and the merchant desk will get in touch within two working days. If you would rather talk first, call 085-3036205.
You can also reach us at 085-3036205 or via partners@spraypay.nl.