Shoppers FAQs

What is FuturePay’s MyTab™ and why should I join?

MyTab is a safe, simple, and convenient payment option that lets you purchase online with no credit cards. With MyTab, you can buy now, pay later.

Are there any financing costs?

MyTab™️ makes online shopping fun and flexible, with simple, transparent fees. At the end of every billing period, you can pay off your balance in full, or make a minimum monthly payment and carry the rest of the balance a month longer.

Every month at the end of your billing cycle if you choose to carry a balance on your account of $50 or greater we will charge you a Fixed Finance Charge of $1.25 for each $50 increment, or portion thereof. FuturePay makes shopping easier and also allows you to enjoy flexible payment options with no hidden fees.

See full terms.

FuturePay makes shopping easier and also allows you to enjoy flexible payment options with no hidden fees.

How can I apply for a FuturePay account?

You can apply while making a purchase at participating online stores. To apply, you only need to enter your name, phone number, birth date, mailing address, and Social Security Number, along with a contact email address. Subject to credit approval, this process takes only seconds after which you can complete your purchase.

What makes MyTab a faster and more convenient payment option?

Forget about entering tons of payment information and credit card numbers. With MyTab, checkout is simple. Just enter your email and MyTab password and you’re done!

With a FuturePay account, you also don’t have to pay for your purchases immediately. You can choose to pay for your purchases in full on or before your due date, or pay over time with flexible monthly payments.

Who can apply for a FuturePay account?

Legal U.S. residents 18 years or older can apply.

Where can I review FuturePay's terms and conditions in full?

Our full Terms and Conditions can be read here. For additional questions and information, please contact Customer Support.

What type of companies offer MyTab?

The FuturePay retailer community has a wide variety of businesses from apparel and beauty to health and electronics. For more information about the types of companies we work with, please see the FuturePay Acceptable Use Policy.

How do I access and update my FuturePay account?

​​After your application has been approved, you will receive a welcome email with your account information and a link to activate your account. Once received, click on the link to activate your account and complete your contact and banking information.

How do I edit my profile information?

Log into FuturePay and click on “Edit Account” to update your contact and banking information.

What if I forgot my password?

If you have forgotten your password, you can reset it at You will then receive an email guiding you through the steps to set up a new password.

Please note: after a password request has been made, you will not be able to make any purchases until you have successfully set a new password. To verify your identity, you will be asked to provide your date of birth and the last four digits of your SSN to reset your password.

How do I check out using MyTab?

When you are ready to check out with a retailer offering MyTab, simply select MyTab as your payment method. Then enter your username and password to complete your purchase.

Can I use MyTab for purchases over the phone or in a physical store?

No, MyTab is currently for online shopping only.

How will I receive my statement?

All statements can be viewed when you log into your FuturePay account. When your monthly statement is ready, we will notify you by email. Every month your statement will include:

  • All new purchases made
  • Payments applied on your previous statement
  • Your billing Due Date
  • Minimum Payment Due
  • Any fees charged during the statement period

Please make sure you add FuturePay to your safe recipients email list, to ensure receipt.

Where can I view my recent purchases and statement?

To view any of your purchases, just log into FuturePay and click on “Activity.”

To view your current and previous statements, click on “Statements.”

When do I pay for my purchases?

Your statement will indicate your Due Date. You should make sure to pay at least your minimum due amount prior to the indicated Due Date.

How do I make a payment?

All balances can be paid online by bank transfer or debit card. Update your FuturePay account with your banking or debit card information for convenient and secure payments.

To make a payment, log into FuturePay and choose one of following options:

  • Pay off current balance in full at any time prior to the due date
  • Pay your minimum monthly due and carry over your tab for one month

As well you can mail a payment directly to our office.

Mail a payment to:

  • FuturePay Holdings Inc.
    3 Columbus Circle
    15th Floor
    New York, NY 10019

Are there late fees on overdue payments?

Yes. If your payment is not received by the indicated due date, you will be charged a late fee of up to $38.

How do I close my account?

Please contact Customer Support and request closure of your account.

How can I return a purchase?

Please contact the merchant you purchased the item from, for their return and refund policy.

Please directly contact the merchant’s customer service.

What do I do in case of a statement error or an incorrect charge?

If you encounter a statement error, or an incorrect charge, you agree to notify us in writing of any errors in the billing statement within 60 days from the date it is first provided to you and at least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. Please mail letters to:

FuturePay Holdings Inc.
3 Columbus Circle
15th Floor
New York, NY 10019

In your letter, give us the following information:

  • Account information: Your name and account number.
  • Dollar amount: The dollar amount of the suspected error.
  • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

How is a refund applied to my account?

When a merchant issues a refund, your FuturePay account will be automatically credited. Should you experience a delay longer than 5 days after receiving merchant confirmation, please contact FuturePay Customer Support for assistance.

What can I do if my purchase is declined?

If your account is in good standing, please try to make the purchase again. For additional assistance, please contact Customer Support department.

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