Sell more with
flexible financing
Point-of-sale financing that increases ticket size by 40%.
Approve customers instantly. Get paid upfront. Zero risk.
Point-of-sale financing that increases ticket size by 40%.
Approve customers instantly. Get paid upfront. Zero risk.
Customers spend more when they can pay over time
Instant decisions right at the register
We assume all credit risk, you get paid upfront
Close more sales in 3 easy steps
Quick mobile or in-store application. Just need phone number and date of birth. No long forms or paperwork.
Get approval instantly. See exact amount available. Multiple payment term options. Customer chooses plan.
Customer leaves with product immediately. You get paid next business day. Customer pays monthly installments.
Flexible financing for any retail business
See how we stack up against traditional financing options
| Feature |
MidPay
|
Store Credit Cards | Layaway Programs |
|---|---|---|---|
| Get Paid | Next day | 30-45 days | After full payment |
| Your Risk if Customer Defaults | $0 - We take all risk | You lose revenue share | You hold inventory |
| Approval Time | 30 seconds | 5-10 minutes | Instant |
| Customer Approval Rate | 85%+ approved | 40-60% approved | 100% (cash required) |
| Average Ticket Size Increase | +40% bigger purchases | +15-25% | -20% (customers wait) |
| Monthly Fees | $0 | $99-299/month | $0 (but inventory cost) |
| Setup Time | 10 minutes online | 2-4 weeks approval | Same day |
| Contracts Required | No contracts | 2-3 year contracts | No contracts |
Join 10,000+ retailers increasing sales with flexible payment options