PollenPay is a financial technology-driven payments company that enables consumers to purchase products on a “Buy now, pay later” basis, as an alternative to traditional credit. We have a simple model, by charging retailers to offer customers interest-free instalment plans by splitting a purchase amount over multiple instalments. The service is free to customers who pay on time, with no interest. We care about our customers and believe in financial responsibility. We have created rules to make sure our customers don’t fall into persistent debt. Customers can’t use our service until they pay each instalment, and we offer spending limits which are largely determined by how well a customer pays us back.