# Online Store Financing Platforms Web Shop Payment Solution GoSEPP Makes it Easier to Afford Items By Alyson Wyers | Published 2017-06-25 | Business Source: Trend Hunter, https://www.trendhunter.com/trends/web-shop-payment References: [betalist](https://betalist.com/startups/gosepp) & [gosepp](http://www.gosepp.com/en/pay-by-installments-everywhere/) This startup enables [web shop payment installments](https://www.trendhunter.com/trends/klarna-6) that will work for [any ecommerce site](https://www.trendhunter.com/trends/nocode-ecommerce). Based in Austria, GoSEPP is a new venture that aims to offer financial freedom by offering flexible payments everywhere. They enable "partial payment for any purchase, in every online store." Even if that store doesn't offer [monthly payment programs](https://www.trendhunter.com/trends/american-express-flexible-payment-option) or something similar, GoSEPP makes it happen with a chat-based model. This makes the products you want more affordable, and also allows you to receive it before your first installment is even due. The financing platform makes it easier to acquire things that cost 30 euros or 3000 euros as needed, and in a transparent and quick manner. By acting as the middleman, the web shop payment system purchases the product on customer request and then sells them back to the customer at a monthly rate. ## Trend Insights (Trend Hunter) - Score: 1.5/10 - Popularity: 18% | Activity: 18% | Freshness: 8% - Audience gender: 50% men, 50% women - Primary generations: Millennial, Gen X - Top markets: Europe ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Business](https://www.trendhunter.com/business) > [Retail](https://www.trendhunter.com/retail) ## Key Themes ### Why This Trend Is Growing - **Flexible Payment Solutions:** A trend towards offering flexible payment options, such as installments, in order to make products and services more affordable and accessible to a wider range of consumers. - **Chat-based Financing:** A trend towards using chat-based financing platforms to offer financing solutions for online purchases, allowing consumers to get immediate approval and access to products without going through long and tedious application processes. - **Alternative Lending Services:** A trend towards alternative lending services in eCommerce that seek to challenge traditional financial institutions, democratize access to affordable financing solutions and re-shape the landscape of consumer–oriented financial services. ### Industries Being Reshaped - **Ecommerce:** A growing trend among eCommerce retailers to offer flexible payment options and partner with alternative lending solutions to help customers make purchases they might not otherwise afford. - **Fintech:** A growing trend towards the development of chat-based financing solutions to address the needs of underserved consumers, particularly those with limited access to traditional banking and credit services. - **Consumer Finance:** A growing trend towards the development of innovative financing models that combine technology and financial services to make products and services more affordable and accessible to a wider range of consumers. ## Related on Trend Hunter - [Post-Purchase Payment Features](https://www.trendhunter.com/trends/swipe-to-finance.md) - [In-Store Installment Payment Features](https://www.trendhunter.com/trends/instore-installment-payment.md) - [In-Flight Flexible Payment Systems](https://www.trendhunter.com/trends/flexible-payment1.md) - [Embedded Lending Platforms](https://www.trendhunter.com/trends/adyen-launched.md) - [Flexible Payment Features](https://www.trendhunter.com/trends/flexible-payments.md) - [Shop Anywhere Super Apps](https://www.trendhunter.com/trends/klarna1.md) - [Home Services E-Commerce Platforms](https://www.trendhunter.com/trends/go-lime.md) - [Streamlined Shopping Apps](https://www.trendhunter.com/trends/streamlined-shopping-apps.md) - [Affordable BNPL Programs](https://www.trendhunter.com/trends/apple-pay-later.md)