Also known as: Deko; Pay4Later (former trading name — legal entity renamed from Pay4Later Limited to NewDay Technology Ltd on 1 October 2024)
Deko is the UK's multi-lender retail finance credit brokerage platform, enabling online and in-store retailers to offer consumer finance from a panel of lenders. The legal entity Pay4Later Limited (incorporated 2008, CH 06447333) was acquired by NewDay Group and renamed NewDay Technology Ltd effective 1 October 2024. Deko does not lend directly; it is a credit broker. NewDay Technology Ltd is an Appointed Representative of NewDay Cards Ltd for credit broking purposes.
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Multi-lender retail finance credit brokerage platform; enables merchants to offer instalment finance through panel of FCA-authorised lenders; B2B2C platform for online and in-store retail finance
Trading names and group notes
Pay4Later Limited (CH 06447333) is the original incorporated entity and may still appear on historical records. NewDay Technology Ltd (CH 08812602) is the current operating entity. Both relate to the Deko product.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
5.0
Approx. 826 reviews
Other review and social proof
Smart Money People reviews available for Deko retail finance product; Crunchbase profile shows Deko / Pay4Later history
Overall public sentiment
Positive on Trustpilot (5 stars from ~826 reviews) though with some complaints about credit application handling and information resubmission requirements. Reviews skewed toward positive merchant and borrower experiences.
Review sources
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
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