JO1N is a corporate start-up in the BNPL space. Our goal is to provide local businesses with pay overtime solution, higher authorization rates and decreased marketing costs.
Preparing for the launch in the UK, we focus on the following key areas:
a) SME BNPL services focused on local communities
b) One-stop solution to banks & financial institution right at the checkout
c) Safe QR lending in-store
Shall it be an in-store purchase, the customers will benefit from the same “one window to all offers”, while not wasting time at the physical checkout. Instead, the customer can just scan the QR code of the item and check-out in less than 3minutes at any location in the store.
No need to apply for the FCA (Financial Conduct Authority) licence to join our platform. A major change in the legislation (2015) made it possible to provide finance without an FCA licence if the following requirements are met:
— the number of instalments is no more than 12
— the agreement is for a fixed amount
— provider do not add interest or charges on for the customer
Still, we absolutely believe in and follow FCA principles of integrity and transparency by treating customers fairly at the core.
If customers’ application is successful, we pay you directly to your bank account via bank transfer within 72 hours each day.
JO1N us on our journey and sign up to the mailing list to learn about our progress. Currently, we’re in the progress of integrating the top lenders to our platform and plan to open the doors to buyers and sellers in the next following months.
This blog will serve as a grounding point for introducing ourselves to you in the following months to come. We value transparency in our communication and want to share the progress with you, while the best-in-class product for small and medium local businesses making that extra sale count.
Does it sound too good to be true? Well, it worth your time, let us know if you’re interested in learning more about the latest features.