How it works

When your card doesn’t go through, you’ll get a popup offering you to pay with Deco.
From there, the process is quick and easy:

Zero interest or hidden costs.


Choose ‘pay with Deco’. Your order is complete, and the store will ship it to you.


You’ll get an email with a link to open your Deco account.


Connect your payment method and pay for the order.

We make payments easier

Credit cards don’t always give you a whole lot of credit. We do.

Deco allows retailers to accept orders that banks don’t approve, and we charge them a small fee.

You complete your purchase at no additional cost, while the retailer makes the sale. It’s a win-win-win.

No fine print

We complete the purchase now, and you have two weeks to pay. Deco never charges interest, and there are no fees when you pay within 14 days.