Your customers pay over time. You get paid now.
Point-of-sale financing lets a customer say yes to the $1,200 purchase with a $300-a-month budget, while you receive the full amount up front. The financing company carries the risk, not you.
Add financing at my checkoutHow we set this up
Sticker shock kills big-ticket sales quietly: the customer doesn't argue, they just leave to think about it and never come back. Financing reframes the price into a payment, and payments are how most households actually budget.
The mechanics protect you completely. The financing provider approves the customer in seconds at checkout, pays you the full amount up front, and owns the repayment from there. A default is their problem, never yours.
It only earns its keep above a certain ticket size and margin, so we'll tell you honestly whether your average sale justifies it before anything gets installed.
What we carry
Zip
Buy now, pay laterThe well-known BNPL: customers split purchases into four installments, you get settled up front.
- Four-installment splits customers already understand
- Instant approval at checkout
- You're paid in full, risk sits with Zip
- Online and in-store flows
Best for: Retail with $100+ average tickets: furniture, electronics, apparel, equipment.
SURV Consumer
0% promotional financingPromotional financing programs from 6 to 36 months, including true 0% offers that close big-ticket sales.
- 0% promotional terms customers can't argue with
- 6 to 36 month structures
- Larger tickets than typical BNPL
- Application at the counter or by link
Best for: High-ticket services and goods: HVAC, dental, furniture, jewelry, repairs.
Financing doesn't discount the price. It removes the reason to walk away.
The provider's fee runs a few percent, which only makes sense when the alternative was losing the sale entirely or discounting harder. For the right ticket size, industry data consistently shows bigger baskets and more closed sales. For a $20 average ticket, skip it, and we'll say exactly that.
Fair questions
What does financing cost me as the merchant?
A percentage of the financed sale, varying by program and term. We'll show the exact fee against your margin so the decision is arithmetic, not hope.
Am I on the hook if the customer stops paying?
No. You're settled up front and the provider owns the receivable. That's the entire point of the structure.
What ticket size makes financing worth it?
Roughly $100+ for BNPL, several hundred and up for promotional terms. Below that the fee eats the benefit, and we'll tell you.
How fast is approval at the counter?
Seconds. The customer applies on their phone or at the terminal, gets a decision instantly, and the sale completes normally.
Does offering financing affect my processing rates?
No. It rides alongside your card acceptance. Same statement, same support, one more way to say yes.
Is 0% financing really 0% for the customer?
On qualifying promotional terms, yes, the customer pays no interest in the promo window. The program fee is on the merchant side, priced into the deal we quote you.