Keep Your Customers Happy With
Flexible, Integrated Financing

Give your business an advantage with the PayTerms solution. Tailored for merchants in any industry and built to give your customers more flexible payment methods, increase conversion rate, all with zero risk and no hidden fees.

How Does It Work?

Flexible payment terms, competitive rates, and loans up to $25,000

  • More Ways to pay
    with Pay-By-Text,
    Online, and Invoices.

    No more dealing with 3rd party lender applications.

    Options for financing presented on every sale

    100% or partial approvals real time

  • Customers
    have 2 options
    for how to pay:

    1. Pay-in-Full by Credit Card or ACH
    2. Apply-for-Loan via convenient web-based loan application

    The invoice includes a link to pay-by-text with apply for a loan
    Multiple closed-end loan offers are presented to the customer

  • Choose offer,
    complete signatures,
    and submit

    Consumers get to pick their own program

    If not 100% approval the rest of the payment will be paid by CC or ACH within this sales cycle

  • Real-time instant
    credit decision
    complete sale

    It’s that easy !!!

Why Choose PayTerms?

Get the “right-fit” payment solution for your business and customers

Merchants can offer pay-over-time solutions in addition to traditional payment methods
  • Offer multiple ways to pay including financing
  • Available at the point-of-sale, invoicing, and pay-by-text
  • Provide a convenient and private way for customers to apply for a loan
  • Installment plans with no hard credit check or impact on credit score
  • Highest consumer approval rates
  • 85%

    Average Order Rate

  • 20%

    Repeat Purchases

  • 0%

    Impact on Credit

The PayTerms Advantage for Businesses

More Adaptive Options For Your Customers

Make high ticket items more appealing to customers with longer payment term periods.
12-18-24-36-60 months

  • Higher Conversion Rate

  • Zero Risk and No Hidden Fees

  • Available for Ecommerce Sales

  • Funds Settled Directly with Merchant

  • Share a few details to get started with Payterms

    You can get set up in under 30 minutes. There are no setup fees, maintaining balances, or ridiculous requirements.

    Just fill out this form and we’ll get in touch with you to help you set up better payment options for your customers.

    • Apply for an account Account / Add to an existing account
    • Tell us about your business
    • Verify your Business
    This field is for validation purposes and should be left unchanged.

    Sent! Thanks for your interest in PayTerms

    We will contact you within 2 hours or tomorrow if it’s after business hours
    We are excited to get you setup on PayTerms