A payment method that grows your revenue
Pay Over Time lets your business customers split purchases into installments—helping them manage costs while you drive more revenue across checkout, invoices, cards, and more.
Contact sales
Pay Over Time helps your customers pay and your platform earn
Whether you're powering payroll or selling inventory, Pay Over Time provides businesses with revolving credit for their most important expenses.
Payroll
Embed Pay Over Time as a payment method to help businesses make payroll. Each time a business runs payroll, your platform earns a share of the fee. This strengthens your payroll offering with built-in credit, reduces support load from failed payments, and helps you attract new users with a differentiated experience.
Inventory and equipment
Place Pay Over Time at checkout to help businesses make larger investments without cash flow disruption. It makes onboarding new sellers easier, boosts order value, and supports long-term growth—all while helping your platform capture more value per transaction.
Ads
Use Pay Over Time to bring in new advertisers, raise average spend per campaign, and encourage repeat investment in ads. With fewer upfront costs, businesses can launch sooner, scale faster, and drive consistent performance—generating sustained ad revenue for your platform.
Card programs
Enable Pay Over Time as a repayment option for larger card transactions to lift overall card volume. With access to longer-term credit, businesses can take on bigger expenses more confidently, increasing both frequency and depth of card usage.
Easy to find, built to convert
Let your customers access Pay Over Time right where they're already making payments.
At checkout
Add Pay Over Time as a payment method using a link or button in the checkout flow.
In your invoices
Include a Pay Over Time link with each invoice so your customers can apply directly.
On card activity
Have your customers apply for Pay Over Time while reviewing large card transactions.
Built for how businesses manage money
Provide your customers access to revolving credit that's easy to apply for and simple to repay.
Flexible repayment options
Businesses can choose the payment plan that fits their cash flow, making it easier to stay on track.
A credit limit that grows with them
No credit checks or long applications. Eligibility is based on your customers' sales history, and limits are reviewed regularly as they grow.
No compound interest, no late fees
Repayment is simple and transparent, with one fixed fee built into the plan—no surprises.
Launch on your terms
Choose your integration path — no code, low code, or fully custom. We've got you covered.
No code
- Go live with zero engineering work
- Create pre-approved offers through a self-serve dashboard
- Share Stripe or Plaid data to automate offers and email marketing
Low code
- Embed our pre-approved offer component with a few lines of code
- Pair it with a marketing program tailored to your customers
- Use our toolkit with best practices and templates to get started
Custom
- Build a fully tailored integration using our APIs and webhooks
- Control how offers are displayed and delivered
- Match your platform's design and support your customers' experience
See how embedded financing can support your customers.
Contact sales