PTP isn’t a 'Buy Now, Pay Later' or 'Credit at checkout' provider. We do not allow anyone to signup during your checkout nor do we tap into your existing customers. Instead, we promote you to our pre-approved tradespeople from our network as a new merchant that accepts PTP. Bringing you new business and repeat orders with zero credit risk.

PTP tradespeople can use virtual cards to pay non-network merchants, but those transactions often come with high card processing fees. That’s why, in 2025, we’re migrating to a hybrid system with direct settlement network ensuring you receive payments instantly.

PTP rewards high-volume trade spend with rebates from merchants, helping to increase sales while giving tradespeople more purchasing power. We will look to negotiate rebates from direct merchants only at scales of over £250,000 a month, ensuring you see the benefit of our trade volumes first.

Working with us is easy - it starts with a 'letter of intent' to define what is your ideal tradesperson, any minimum order values, geography and fee splits (if a marketplace). We then share with you our technical integration documentation and assign a dedicated manager.

We integrate as a simple payment option on your website, giving you complete control over when and how ‘Pay via PTP’ is displayed and how the funds are settled via FasterPayments.

We're busy securing even more tail-end and materials spend from large contractors and helping those same tradespeople with direct credit solutions for non contract work. This provides immediate liquidity to builders merchants through large volume sales.

However, if you've got any ideas or would like to discuss ways of how you think PTP could help Merchants and Suppliers please get in touch.