New PayU installments: 5×0%!

Available now for online customers of LPP Group.

LPP, one of the most dynamically developing fashion companies in CEE, has introduced the option of dividing payments into 5 interest-free installments in Reserved, Cropp, House, Mohito and Sinsay online stores. The cross-border clothing manufacturer and seller originated in Poland is the first company in the fashion industry to make the new PayU installment product available.


Alongside the growing digital literacy of e-commerce users their expectations regarding ​​access to preferred payment methods in online stores are also increasing. The data shows that online customers are increasingly opting for deferred payment options. More than 1/3  out of this group in Poland declare that they use various methods of deferred payments, 23% have tried the “Buy Now, Pay Later” (BNPL) solution, and 15% have already had experience of paying for online purchases in installments[1].


In response to the market needs and the growing interest of e-commerce users in solutions that enable them to defer or spread payment over time, PayU is launching a new product that combines the features of BNPL and online installments. The ‘5×0%’ service responds to the preferences of customers in the fashion industry, which are now able to divide their payment for shopping worth PLN 100 and more into 5 interest-free installments (APR: 0%).


“5×0%” represents a new approach to the online installments products and is result of our observations and analyses of both the behaviour of online shoppers and the needs of merchants. When creating this product, we also used our competitive advantages, i.e., the strong PayU brand, the recognition of our online installments offer, which has been available in the Polish market for over 10 years, and the high rate of returning customers who have used PayU installments before. The new formula allows us to offer payments in installments which are increasingly demanded by buyers in many new industries where they have not been widely available yet – says Tomasz Żołnierz, Head of Credit Business Development EMEA, PayU.


PayU’s first strategic partner to introduce the ‘5×0%’ payment is the Polish LPP Group, the owner of 5  recognisable clothing brands being present in nearly 40
e-commerce markets.  Strengthening the e-commerce channel through the introduction of further facilitations for customers, such as additional payment options, based on the analysis of consumer trends, is a crucial element of the company’s omnichannel strategy.


We look closely at our customers’ needs and seek solutions that will make online shopping even more intuitive and convenient for them. Customers are eager to use payments by instalments, and trends show that instalment systems with no additional fees are becoming a must-have for e-commerce players. We believe that PayU’s ‘5×0%’ installments, available for transactions from PLN 100 up, are a perfect response to the preferences of our customers and will additionally contribute to more thoughtful shopping – says Mikołaj Wezdecki, Head of Digitalisation, LPP.


The ‘5×0%’ payment is easily available and gives the chance to make both greater value as well as more conscious and thoughtful purchases. The new payment option has been launched in online stores Reserved, Cropp, House, Mohito and Sinsay in the first days of July.


[1] PayU, ARC Rynek i Opinia, “Zachowania e-konsumentów w  Polsce w  2022 roku” (Behaviour of e-consumers in Poland in 2022), August 2022.