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  • Credit
  • Innovation
  • United Kingdom

Jaja Partners with ASDA on Launching New Payment Facility


  • Jaja introduces a white-label facility called “JajaPay” and teams up with Walmart’s British subsidiary ASDA.
  • The retail chain is adding a means for customers to spread their payments using “ASDA Flexible Payments” when purchasing items from their online shop George.com (which sells clothes, furniture and toys).
  • Customer process:
    • The customer sets up a “Flexible Payments” account.
    • An agreement-in-principle is instantly granted.
    • He then has 90 days, starting from the day he signs up, to pay for his purchases, interest-free. Beyond 3 months, APR apply.
    • His monthly instalments are debited automatically.
  • This option was introduced ahead of Black Friday and Cyber Monday.


  • This solution provides purchasers with an affordable and flexible payment solution. It also increases conversion rates for merchants.
  • ASDA adds a new payment facility for all retailers: discussions would, indeed, be underway with several merchants. Also, the retailer should soon launch an API for merchants' websites.
  • This partnership shows that Credit-as-a-Service offers are gaining momentum: JajaPay provides this white-label instalment service to ASDA. Unlike rival services, this retailer does not have a banking arm and, for their own customers, acts under the brand name ASDA Money, with help from a certain number of partners.
  • The retailer applied a similar strategy to personal loans, in this case they opted for the broker Freedom Finance, in charge of searching through all offers to show best-suited rates based on each borrower’s profile.


  • ASDA and Jaja Pay observed that more retailers are looking into instalment options instead of traditional co-branded credit cards or private-label cards.
  • For instance, the British group Arcadia (owner of Burton, Topshop or Dorothy Perkins) recently opted for Klarna’s new service Slice it in 3.

Video: https://vimeo.com/298818858