“Can a specialist tile retailer embed financial services (BNPL, Open Banking, trade credit) deeply enough to become the preferred financial partner for professional tradespeople as well as consumers?”
Topps Tiles began as a traditional brick-and-mortar tile retailer and has grown to become the UK's largest tile specialist with over 300 stores. In recent years the company has invested in embedded finance to deepen its trade market footprint — launching Open Banking instant payments via TrueLayer in 2023 (first major UK retailer to do so in-store) and a GoCardless-powered Trade Pay credit scheme in 2024. The consumer BNPL offering (Klarna) complements the trade credit play, reflecting a deliberate push to capture both consumer and professional trade customers through financial services.
Topps Tiles's lending and capital products are provided by Klarna.
Topps Tiles connects to bank accounts through TrueLayer and Gocardless.
The Embedded Finance Index 2026 maps 2 layers in Topps Tiles's stack: Lending (Klarna, Klarna Interest Free Credit (0% in-store, 12/24/36 month terms), Klarna Pay in 3 (in-store orders over £200) and Trade Pay credit scheme (GoCardless-powered Direct Debit, 30 days interest free)); Open banking (TrueLayer and Gocardless).
Topps Tiles is founded in 1963 and headquartered in Leicester, United Kingdom.
Get a read on where your own stack stands against Topps Tiles and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.