DebenhamsPay+ lets you buy now and pay later for your purchases with one flexible account and two ways to pay when you hit the checkout with some of your favourite online brands including Debenhams and its' family of brands.
If you need longer to pay or can't make your Split it payments, we'll switch your plan to Flex it at 29.9% pa variable.
No payment upfront, set your repayment date to suit payday, make extra payments as often as you want and get support anytime from our UK customer services team.
Welcome to DebenhamsPay+. Welcome to the flexible way to pay. Split it. Flex it. DebenhamsPay+
Representative example: Representative 29.9% APR variable, assumed credit limit of £600. Interest rate 29.9% pa variable. Subject to status. T&Cs apply. UK residents only, excluding Jersey, 18+.
We make shopping fun and easy by giving you the flexibility to manage your money with one account and two ways to pay when you hit the checkout.
Don't just take our word for it. Check out our latest Trustpilot reviews to see what customers think of DebenhamsPay+.
See you at the checkout!
Representative example: Representative 29.9% APR variable, assumed credit limit of £600. Interest rate 29.9% pa variable. Subject to status. T&Cs apply. UK residents only, excluding Jersey, 18+.
No, it's completely free to open an account.
A late payment fee of £4 will be charged if your minimum payment is not made on time and in full by your payment due date.
A late fee can be charged a maximum of 6 times within a 12 month rolling period.
We'll always let you know if any fees have been applied. You'll also be able to see a breakdown of any fees charged in your online DebenhamsPay+ account and in your monthly statements.
We're regulated by the Financial Conduct Authority (FCA). For more information, go to fca.org.uk.
payplusit.com limited (14126560) is authorised and regulated by the Financial Conduct Authority (994893) for consumer credit and for the provision of payment services under the Payment Services Regulations 2017. Our registered address is 49-51 Dale Street, Manchester M1 2HF. Credit subject to status. UK residents aged 18 and over.
To apply for a DebenhamsPay+ account, you just need to:
Just a heads up, successfully opening a pay+ account is subject to eligibility.
It's quick and easy to apply - you'll need a few minutes to spare and if approved, you're good to go!
To apply for a DebenhamsPay+ account, we'll need to know:
Yep! As long as you've set up your username and password, you'll be able to pick up where you left off within 30 days.
After this time, you'll need to make a new application.
We'll carry out two credit checks - a soft check and a hard check.
The soft check helps us confirm you're eligible for a DebenhamsPay+ account. Only you'll be able to see this check on your credit report and it won't impact your credit score.
The hard check is the final step we take right before you complete the application and we'll always ask for your permission to do this first. This check will show on your credit report and will be visible to others.
For more information about how this works go to www.experian.co.uk
When opening your account, we'll verify your identity through Open Banking. It's simple, safe, secure and only takes seconds.
For more information about how this works go to truelayer.com.
We'll personalise the credit limit based on the information we receive from you and Experian (a Credit Reference Agency) when opening an account.
This will be a minimum of £150, but we'll tell you your personalised limit before you open your account so you always know where you stand.
Experian are one of the three main Credit Reference Agencies (CRAs) in the UK. CRAs collect information on how people manage their finances to help lenders decide if they are eligible for credit.
They'll provide us with the information we need to check your eligibility, set your personalised credit limit and get your DebenhamsPay+ account up and running hassle-free.
For more information on Experian or to view your credit score for free, go to experian.co.uk.
Sometimes we might not be able to open your DebenhamsPay+ account straight away based on the information we receive from Experian (a Credit Reference Agency)
You may be able to boost your credit score by using Experian Boost. This free service lets you share more information about your regular spending, such as payments to savings accounts, Council Tax payments and digital entertainment payments like Netflix and Spotify.
If you're making payments like this regularly, and not spending more than you earn, you could get an instant boost to your credit score.
If we think Experian Boost might work for you, we'll send you an email with a link to apply. Once you've done this, you'll need to head back to DebenhamsPay+ to start a new application and if eligible, you're good to go!
For more information on Experian Boost, go to experian.co.uk.
Keeping you and your money safe is at the core of what we stand for. Because of this, we use a number of tools to verify your identity and any purchases you make.
We've also partnered with CIFAS, the UK's fraud prevention agency. If someone tries to give us false information, we'll always share this with CIFAS. For more information about who they are and what they do, go to cifas.org.uk.
As a DebenhamsPay+ customer, if you ever think something doesn't look right on your account, our UK-based customer services team will look into this thoroughly and work to resolve things as soon as possible.
We understand it's disappointing if you can't open a DebenhamsPay+ account. This could be related to the following information:
Remember, we only carry out a soft check when confirming this information with Experian so this won't affect your credit score.
Check out where you can shop with DebenhamsPay+ at payplusit.com/shopping.
You'll see us when you hit checkout with any of our partners - just choose DebenhamsPay+.
For orders of £15 or more you can choose to Split it or Flex it. If your order is less than £15, you'll still be able to Flex it.
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Representative example: Representative 29.9% APR variable, assumed credit limit of £600. Interest rate 29.9% pa variable. Subject to status. T&Cs apply. UK residents only, excluding Jersey, 18+.
Split it and Flex it are your two ways to pay when shopping using your DebenhamsPay+ account.
Split it lets you split the cost of your purchases into three, interest free payments.
Flex it lets you spread the cost of your purchases over a longer period, with no interest if you pay for your order within 21 days.
Representative example: Representative 29.9% APR variable, assumed credit limit of £600. Interest rate 29.9% pa variable. Subject to status. T&Cs apply. UK residents only, excluding Jersey, 18+.
For every order of £15 or over, you can choose between Split it or Flex it. If your order is under £15, you can choose to Flex it.
DebenhamsPay+ won't be available at checkout if your purchases are over your credit limit. This is to stop any negative impact on your credit score.
You won't be charged an overlimit fee and you'll be able to make a payment anytime to get back within your credit limit.
As long as you're within your credit limit and up to date with your payments, there's no limit to how many times you can pay with Split it or Flex it.
To pay with Split it, your order must be £15 or over. There's no minimum spend if you choose to Flex it.
There's a few reasons this may happen, including but not limited to:
We'll always let you know if there are any updates specific to your account but you can also get in touch with our UK-based customer services team if you'd like to know more.
You can view and manage your account by visiting the Pay+ app or at payplusit.com.
Search for 'Pay+' in your app store, download and you're good to go!
It’s your new best friend for managing your account on the go. You can check your balance, make payments, get answers to any questions you have and so much more!
You can view your balance by logging into the Pay+ app or at payplusit.com.
We'll also send you monthly statements which will show you your account balance and any payments due.
You can manage your account on the go with any iOS or Android device.
Search for 'Pay+' in your app store, download and you're good to go!
You can update the following details in the Pay+ app or at payplusit.com:
If you want to change the name on your account, please get in touch with our UK-based customer services team.
Yes, you can change your marketing preferences any time by visiting the Pay+ app or at payplusit.com. Just go to:
You'll then be able to update if or how you'd like to hear about news and offers from us.
Just a heads up, we're legally required to send you certain updates about your account so you won't be able to opt out of those.
If you've been a DebenhamsPay+ customer for at least three months, we'll review your eligibility for a credit limit increase on a regular basis with no impact to your credit score.
We'll take several factors into account such as:
If we can offer you a credit limit increase, and you've opted into hearing about this, we'll get in touch to let you know.
If you want to change if and how you hear about credit limit increases, just follow the steps below.
If you'd like to decrease your credit limit, please get in touch with our UK-based customer services team and they'll sort this for you.
Yes, you can change if and how you hear about credit limit increases by following the steps below.
As a reminder, if a credit limit increase is available, you can set your preferences so we:
We'll send you a statement each month. This will show your balance, transactions and any upcoming payments due. To view these, just log in to your DebenhamsPay+ account and go to 'Statements'. You can also opt-in to alerts letting you know when your statement is ready.
You'll set your repayment date when setting up DebenhamsPay+ account.
Any Split it and Flex it instalments for your purchases will be combined into one monthly payment, paid on the date you choose. If your repayment date lands on a weekend or a Bank Holiday, your payment will be due on the next working day.
We'll always send you a reminder before your payment is due!
Just so you know, you can change your repayment date up to 3 times every 12 months.
To put it simply, a minimum payment is the lowest amount you need to pay every month to keep your account on track, out of arrears and avoid paying a £4 late fee - this will be £5 or 5% of your Flex it balance, whichever is greater.
If you only make your minimum payment, it'll take you longer to pay off your balance and cost you more in interest.
If you have Split it plans, your monthly payment is the amount you need to pay to keep your Split it plans interest-free - this will usually be a third of your purchase.
If you miss or can't make your Split it payments, we'll switch your plan to Flex it at 29.9% p.a. variable with monthly minimum payments of £5 or 5% of your Flex it balance - whichever is greater.
Representative example: Representative 29.9% APR variable, assumed credit limit of £600. Interest rate 29.9% pa variable. Subject to status. T&Cs apply. UK residents only, excluding Jersey, 18+.
To make a payment, just login in to your DebenhamsPay+ account and go to:
You can set up a Direct Debit, pay through Online Banking or pay by card, which you can save for future purchases to save time!
Your minimum payment will be £5 or 5% of your Flex it balance - whichever is greater.
We'll work this out for you each month and you'll see this in your Account Summary on the app, and on your statement.
If you only make your minimum payment each month, it'll take you longer to pay off your balance and cost you more in interest.
Yep! You can change your repayment date up to 3 times every 12 months if you need to.
Yes, you can make extra payments whenever you want! Making extra payments also means it'll be quicker to pay off your balance and cost you less in interest.
To make an extra payment, just login to your DebenhamsPay+ account and go to:
If you're logged into payplusit.com, just log in and go to:
If you've used Split it but would like longer to pay, you can switch one or more Split it plans to Flex it.
Please remember, switching to Flex it means you'll be charged interest at 29.9% p.a. variable and your minimum payment will change to either £5 or 5% of your Flex it balance - whichever is greater.
Just a heads up, once you’ve switched a Split it plan to Flex it, you can’t switch it back.
Struggling to pay? We want to help! Get in touch with our UK-based customer services team and we can chat through your options. You can also get the support you need in the Pay+ app or at payplusit.com where you can find useful tools and links to free, independent money guidance and debt advice.
Representative example: Representative 29.9% APR variable, assumed credit limit of £600. Interest rate 29.9% pa variable. Subject to status. T&Cs apply. UK residents only, excluding Jersey, 18+.
If you miss a Split it payment, all your active Split it plans will be switched to Flex it with an interest rate of 29.9% p.a. variable. We'll also charge you £4 late fee.
Missing a Flex it payment means we'll charge you a £4 late fee and you'll end up paying more in interest. Missing payments can have also have a negative impact on your credit score.
Struggling to pay? We want to help! Get in touch with our UK-based customer services team and we can chat through your options. You can also get the support you need in the Pay+ app or at payplusit.com where you can find useful tools and links to free, independent money guidance and debt advice.
Representative example: Representative 29.9% APR variable, assumed credit limit of £600. Interest rate 29.9% pa variable. Subject to status. T&Cs apply. UK residents only, excluding Jersey, 18+.
Our APR is 29.9% variable.
If you've been charged interest, you'll be able to see this in your DebenhamsPay+ account and statement every month.
Interest will be charged from the next statement date after the purchase is made unless the balance is paid in full by the repayment date shown on your statement.
Interest is calculated daily from your last statement date and added to your account on the date of your next statement. Interest is charged on the Flex it balance on your account until this balance is paid off.
If a Split it plan has been switched to a Flex it (if you’ve chosen to make the switch yourself or if you’ve missed a Split it payment), any outstanding balance will be subject to interest.
You can reduce how much interest you pay by making extra payments anytime in the Pay+ app or at payplusit.com.
The amount you pay each month depends on your balance and whether you're using Split it or Flex it.
For Split it plans, any refunds on your account will amend your monthly payment.
For Flex it, your repayment amount will always be £5 or 5% of your Flex it balance - whichever is greater. If you make extra purchases, this amount can increase.
Take a look at your Account Summary or statement to see a breakdown of your payments.
Yes, you can make extra payments whenever you want.
If you make an extra payment at least 3 working days before your Direct Debit is taken, your payment amount will be recalculated to reflect this.
If you make an extra payment within 3 working days of your Direct Debit being taken, your original payment amount will already be processing and no changes can be applied.
When setting up a Direct Debit, you'll choose to pay one of the following each month:
You'll be able to view and update your Direct Debit details whenever you're logged into the Pay+ app or at payplusit.com. You'll also be able to see the specific amount due each month in your statement.
Of course! Our wonderful UK-based customer services team are available on email and phone, Monday to Sunday, 8pm - 6pm (excluding Christmas Day and Boxing Day).
Just go to payplusit.com to get in touch.
We’re sorry to hear there's been an issue. There are different ways to complain depending on your concern.
Complaint about an item? If you have a complaint about an item, please get in touch with the retailer directly for more support.
Complaint about your DebenhamsPay+ account? If you have a complaint about your DebenhamsPay+ account, please let us know using the contact details below so we can resolve things quickly.
Email: complaints@payplusit.com
Phone: 0333 0911 664
Our UK-based customer services team are available Monday to Sunday, 8am – 6pm (excluding Christmas Day and Boxing Day).
Information about how we handle complaints regarding the DebenhamsPay+ credit account is in our Complaints Policy, which can be found at payplusit.com
If you're dissatisfied with our response to any complaint regarding your DebenhamsPay+ account you may be entitled to refer it to the Financial Ombudsman Service.
Just so you know, the Ombudsman will only consider your complaint if you have spoken to us and let us resolve it first.
Yes, just get in touch with us and we'll send your statement in the required format.
For your security, sometimes we'll send you an OTP when you're opening or managing your DebenhamsPay+ account.
The OTP will be sent by text to the mobile number you gave us when applying for your account, so please check this is accessible at the time.
If you're having trouble receiving an OTP, please get in touch with our UK-based customer services team to get this sorted.
If you’re struggling to keep up with your payments, don’t panic. We’re here to help.
Get in touch with our UK-based customer services team and we can chat through your options.
You can also get the support you need in the Pay+ app or at payplusit.com where you can find useful tools and links to free, independent money guidance and debt advice.
Missing payments will result in late fees and may have an impact on your credit score. We don't want this to happen, so get in touch with us as soon as possible.
We take the protection of your personal data seriously and will process your personal data fairly, lawfully and transparently. Our Privacy Policy outlines the personal data we are collecting and how it’s used.
If you want to view the data we hold about you, you can get in touch and request a 'Data Subject Access Request'.
Please get in touch with our UK-based customer services team as soon as possible so we can look into this and resolve things quickly.
We can lock spending on your account to avoid anyone using your account without your knowledge.
Please get in touch with our UK-based customer services team as soon as possible so we can look into this and resolve things quickly.
We can lock spending on your account to avoid anyone using your account without your knowledge.
We’d be sorry to see you go! Get in touch with our UK-based customer services team on email or phone to see if we can help. Then if you'd still like to close your account, they can do this for you.
If you still have a balance on your account, you’ll need to make payments until it’s cleared. Once your balance is cleared and you've received your final statement confirming a £0 balance, your account will close directly a month later. You'll still be able to login and access any account information within that time.
Just so you know, if you close your account and you’d like to use DebenhamsPay+ in the future, you’ll need to apply for a new account.
Returns are simple – as soon as the retailer receives and processes your return, we’ll update your DebenhamsPay+ balance and upcoming monthly payments to reflect the refunded amount.
You'll be able to see your refunds by logging into your DebenhamsPay+ account and viewing your transactions or monthly statements. We'll always send you an email as soon as we've updated your account.
Please allow up to 10 working days for your refund to show up on your DebenhamsPay+ account.
If you made a return and haven't received a refund confirmation, please get in touch with your retailer directly for an update.
