AppToPay

AppToPay operates as a trading name under Secure Trust Bank PLC and V12 Retail Finance Limited, focusing on credit brokerage services. The company introduces consumers to Secure Trust Bank PLC, acting as a credit broker rather than a lender. AppToPay's business model involves earning commissions from successful credit applications, with the commission amount varying based on the credit taken out. The company is authorized and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, ensuring compliance with financial regulations. AppToPay primarily serves retail consumers seeking finance solutions to enhance their purchasing power. The company has temporarily halted new credit applications and purchases using its finance product, indicating upcoming changes and improvements to its services. Existing customers are kept informed about these updates and the availability of the new app. AppToPay's operations are centered around providing personalized financial services, with a focus on customer protection and security. The company operates within the retail finance market, leveraging its relationship with Secure Trust Bank PLC to facilitate consumer credit solutions.

Keywords: credit brokerage, retail finance, Secure Trust Bank, V12 Retail Finance, consumer purchasing, financial regulation, commission-based, personalized services, customer protection, retail market.