Let customers pay over time, and keep the full margin.
Buy now, pay later and layaway, run for you, without handing the sale to a third-party lender. Every payment is another visit.
You finance your own sale and keep the full margin. For layaway, the same schedule ends with the goods released.
Buy now, pay later
Take it home, pay over timeCustomers take the goods today and pay in three or four scheduled payments. You finance your own sales instead of paying a lender, and keep the full margin.
- Approval, processing, reporting and collections included
- No third-party lender unless you want one
- Pair with the payment guarantee to cover every payment
Layaway
Pay it down, then take it homeFor customers not eligible for, or not interested in, buy now, pay later. They lock in a price and pay it down over time while you hold the merchandise.
- Each payment is credited toward the balance owed
- Goods are released when paid in full
- Payment schedule run for you
Side by side
Two ways to say yesOffer both, and nearly every customer has a way to buy today.
| Buy now, pay later | Layaway | |
|---|---|---|
| Goods go home | The day of purchase | When the balance is paid |
| Approval | Approval required | No approval needed |
| Payments | Three or four scheduled payments | Paid down on a schedule |
| Your risk | Can be covered with the payment guarantee | None. You hold the goods until paid |
More from the suite
Customers enroll once, and every product works from that enrollment.