How we support online retailers
We have extensive experience supporting large-scale online businesses, including international brands entering the UK market, such as Google and Peloton.
We understand the challenges of delivering compliant customer journeys in digital environments, where finance is often integrated across websites, third-party platforms, and partner channels.
Our team works closely with clients to design and implement compliant customer journeys, ensuring that credit products are clearly presented and supported by effective oversight and governance.
We also support firms in managing relationships with lenders and partners, helping ensure that all parties operate within a compliant framework that delivers consistent customer outcomes.
Choosing the right regulatory model for your business
Online retailers offering consumer credit typically choose one of two regulatory routes depending on their business model and growth plans.
PPL works with you to identify the most appropriate route and level of support for your business.
Appointed Representative (AR)
Operate under PPL’s regulatory permissions while we provide oversight, compliance monitoring, and regulatory reporting.
Direct Authorisation
Become authorised by the FCA while receiving ongoing compliance support from our team.
Application Support
For businesses seeking FCA authorisation, we guide you through the application process and support you at each stage.
Compliance solutions for online retailers
Financial Promotions Approval
Promoting finance products online requires careful oversight to ensure communications are clear, fair, and not misleading. Our financial promotions review and approval service supports compliant marketing across websites, social media, and digital campaigns.
Complaints Management
Online retailers may receive customer complaints through multiple channels. Our complaints management solution helps businesses record, monitor, and resolve complaints effectively while meeting FCA reporting requirements.
RegData Reporting
As online businesses grow, regulatory reporting requirements can become more complex. Our RegData support helps firms manage their obligations accurately and efficiently.
E-Learning
Sales and customer support teams must understand regulatory expectations when discussing finance with customers. Our e-learning platform provides practical training to support compliant customer journeys.
Our Online Retail Clients Include
Get in Touch
Whether you want to become an Appointed Representative or be directly authorised by the FCA, we take the hassle out of compliance. Contact us now to clarify what you need to make sure you're FCA compliant.
Sectors We Also Operate In
Test
Football Clubs
Football clubs operate in an increasingly complex financial environment. Activities such as offering season ticket finance or partnering with third-party providers may fall under FCA regulation—often without clubs realising it. Failure to comply can lead to serious consequences including fines, legal penalties, reputational damage, and disruption to key financial operations.
BVRLA
Product Partnerships (PPL) are the BVRLA's national inspector for over 1,000 motor finance companies and dealerships across the UK. We carry out the BVRLA's Leasing Broker, Principal & Appointed Representative inspection programs.
Green Energy
Product Partnerships (PPL) supports retailers within the green energy market and understands the consumers needs in ensuring retailers operate in a compliant way putting the consumer at the heart of everything they do.
Motor Finance
Here at Product Partnerships (PPL) we are experts in car, motorcycle, and leisure vehicle consumer credit, working manufacturers as well as car dealerships across the UK. With a pedigree and background born from the car finance market our expert team can support firms wishing to develop their consumer credit proposition and ensure compliance.
Technology & Retail
Product Partnerships (PPL) work with some of the biggest and well known technology retailers, designing compliant customer journeys through online, retail stores, and omni channels. These retailers attract high finance penetration and often require a bespoke solution to meet the consumers needs.
Leisure & Fitness
Furniture Retail
Product Partnerships (PPL) supports furniture retailers with large store footprints across the UK, and online, working alongside some of the biggest and well known brands.