Merchant FAQs

What is FuturePay?

FuturePay is a flexible payment option that lets your customers buy now and pay later, without a credit card. By putting purchase on a FuturePay tab, your customer can check out in one step, without hunting for their wallet.

How does FuturePay work?

FuturePay sits alongside your other payment options in your checkout process and works effortlessly on any device. Here’s how it works:

  1. Your customer adds items to their cart and selects FuturePay when they check out
  2. Once the order is processed, FuturePay pays you the full amount upfront
  3. Your customers settle their balance directly with FuturePay and pay in flexible monthly payments
  4. Your happy customers’  FuturePay tabs can be used to buy now and pay later for future purchases

What is the customer experience?

Built by ecommerce veterans, FuturePay was designed to give shoppers the best checkout experience possible. Existing FuturePay customers only need to enter their username and password – the purchase is complete and added to their FuturePay tab.

New customers can quickly and easily sign up for FuturePay with just their birth date, mobile phone number, and the last 4 digits of their SSN. In seconds, their account is approved and the purchase is complete. Best of all, this functionality is available without the customer ever leaving the retailer’s site.

What are the customer benefits of FuturePay?

Simply put, FuturePay is the easiest way to pay on any device. Customers can shop anywhere at anytime – no credit card required. Many shoppers also want the flexibility to delay or spread their payments out over time and pay for items on their own schedule. With FuturePay, customers can put their purchases on a tab and pay in flexible monthly payments starting as low as $25/month.

What are the merchant benefits of FuturePay?

Regardless of what you’re selling, FuturePay will lower the barriers to completing a purchase, attracting new customers, increasing repeat customers and helping to grow your business. FuturePay is fully responsive allowing retailers to ensure they have a consistent customer experience across devices. Plus, retailers are guaranteed payment upfront making it the risk-free way to offer a flexible payment option.

What does it cost customers?

FuturePay is a point-of-sale consumer financing option with straightforward fees. FuturePay charges shoppers a financing charge of $1.50/month for every $50 of carried balance. That’s it! No math, no complicated interest equations. See full terms.

How does FuturePay work on mobile devices?

Designed with mobile shoppers in mind, FuturePay lets customers check out easily on any device, typing as little as possible. FuturePay’s responsive interface can be elegantly inserted into your commerce strategy to accommodate everything from armchair shoppers to mobile POS systems. And with apps for both iOS and Android, customers can easily access their FuturePay account on the go.

Is FuturePay safe for my customers?

We constantly monitor our customers’ accounts and alert them of any changes and charges. Additionally, FuturePay doesn’t require customers to enter their credit card and other personal information so they don’t have to pull out their wallets in the middle of a crowd.

What types of companies use FuturePay?

The FuturePay merchant community has a wide variety of businesses from apparel and beauty to health and electronics. We work with retailers of physical goods to help them capture additional sales they were missing before adding FuturePay. With FuturePay, companies of all sizes can offer their customers a flexible payment option and start attracting new customers quickly.

For more information about the types of companies we work with, please see the FuturePay Acceptable Use Policy.

How do I apply for a FuturePay merchant account?

In less than 5 minutes you could be accepting FuturePay on your website. It’s that easy! We’ve partnered with numerous leading ecommerce platforms to make it a piece of cake for you to add the power of consumer-friendly financing to your store. Get started by creating your FuturePay merchant account now.

What are the fees associated with offering FuturePay on my site?

There are no fees associated with setting up or maintaining a FuturePay merchant account. The fees are entirely performance based; we only charge a 4.95% merchant fee that is a percentage of order value.

Do I have to be a U.S. merchant to offer FuturePay?

No, FuturePay is offered to merchants worldwide, but can only be used by shoppers residing in the U.S.

How do I add FuturePay as a payment option to my site?

FuturePay is already integrated with a number of ecommerce platforms. If you already use one of these platforms, then FuturePay integration will be even easier. A list of these platforms is available here.

FuturePay is designed to make integration easy, but it does require some development resources. The FuturePay merchant support team will guide you through the implementation process.

How do I receive my FuturePay earnings?

All monies earned are wired or deposited via ACH directly into your merchant banking account. Please note all transactions are in US dollars only. Payment terms can be viewed in your account settings.

How do I update my account information?

Log into your FuturePay account and choose the “Edit Account” tab to update your company details, contact and banking information.

How do I view my sales and payments?

Log into your FuturePay account and select either “Sales” or “Payment” to view these reports.

How do I refund purchases made with FuturePay?

Any returns or refunds can be processed as you normally would using your e-commerce platform. If you prefer to process them through FuturePay directly, then you can manage partial or full refunds from your account. Log into FuturePay and click on the “Sales” tab. Identify the purchase and issue a full or partial refund. Your customer’s FuturePay account will be credited automatically.

For more information about how to handle customer disputes, click here.

How do I update or renew my password?

To update or renew your password, please request a reset by sending an email to You will receive an email guiding you through the steps to set up your new password.

How can I get more information about FuturePay?

To request a demo or get more information, please contact FuturePay Business Development at

Find out how we’ll add more customers to your cart.