The better way

Float is a buy now pay later platform that lets you split purchases over up to 24 interest and fee-free* monthly installments using the available limit on your existing Visa or Mastercard credit card, without any application or credit check.

You get to enjoy your purchases today, pay for them over time and you don’t take out any extra credit to do so, either.

The benefits of Float are simple:

Float splits your purchase into easy-to-manage, bite-size monthly installments (as opposed to charging you the full amount up-front like a regular credit card transaction). In short – we buy you all the time in the world to settle your credit card balance. This is especially useful for those BIG value purchases.

• Float never charges you additional interest, fees, or late fees*.
• Float helps you to use your existing credit on your credit card in the best way possible, so you’re not taking on any new credit.
• The cherry on top? You still get all your rewards points for using your credit card!

Yes – keeping your information secure is a top priority for us.

Float uses a PCI DSS Level 1 certified processor (the highest level of credit card data security standards) to handle your credit card data. This means we never store your credit card details and they always remain safely and securely encrypted. Float also makes use of 3D Secure to approve your initial payment authorization, for an added level of security.

For full details of our Privacy Policy click here.

At the time of purchase, the full purchase amount will be reserved on your credit card, but only the first interest-free* installment will be charged. The remaining installments are charged on the same day each month. As you pay each monthly installment, the amount reserved will reduce to the remaining balance of the purchase until your purchase is fully paid.

You can use Float in 3 easy steps. There is no application and no credit check.

1. Select Float as your payment option at checkout.
2. Choose your number of installments.
3. Enter your credit card details and Float it!

No – when you use Float to make a purchase, there is no application or registration whatsoever.

Because Float uses your existing credit card, we only require your credit card details and that you have the full amount of your purchase available on your credit card. Simple as that.

Float does not impose any limits on the size of purchases – we simply work within the available limit on your credit card. The bigger your available limit, the bigger the purchase you can make!

However, some merchants set their own maximum purchase value for Float transactions. Please contact them directly if you’d like to make a purchase larger than their maximum purchase value.

Float works with any Visa or Mastercard credit card. As with any other credit card purchase, you need to ensure that you have the full purchase amount available on your credit card.

No. Float only accepts Visa and Mastercard credit cards with the full purchase amount available in your balance.