PayTomorrow for Merchants
Add PayTomorrow financing to your checkout at zero cost — give every customer a financing option and increase your average order value.
When a customer can't afford your full price upfront, they leave. PayTomorrow converts those moments into sales by giving every customer — including those with poor or no credit — a viable financing option at your checkout.
BB Wheels, one of PayTomorrow's early merchant partners, reported a +23% increase in total sales after integrating PayTomorrow in 2020. The key: reaching the 40% of US adults who are non-prime borrowers and previously couldn't purchase.
Submit a merchant application. PayTomorrow reviews your business type, average order value, and customer profile.
PayTomorrow's team provides an iframe snippet or API integration for your checkout. Works with major eCommerce platforms.
PayTomorrow provides training materials and a dedicated account manager to help your sales team present financing options.
Activate PayTomorrow at checkout. Customers can apply at point of sale — online, in-store, or by phone.
Access the merchant dashboard for real-time sales data, approval rates, abandoned cart analytics, and marketing performance.
Use weekly reporting from your account manager to A/B test placement, messaging, and promotional strategies.
PayTomorrow offers retailers a point-of-sale financing solution that integrates with existing checkout systems — both eCommerce and in-store POS. The integration model is specifically designed to minimize compliance burden on the merchant: because PayTomorrow uses an iframe for payment data capture, cardholder data never passes through the retailer's systems, which means accepting PayTomorrow does not affect the retailer's own PCI compliance scope.
eCommerce: PayTomorrow offers plugins and API integrations for WooCommerce, Magento, and custom eCommerce platforms. The checkout widget is embedded as an iframe that presents financing options to the customer alongside their other payment methods. PayTomorrow handles the entire application, approval, and funding flow — the merchant simply receives confirmation that the purchase is approved and payment will be remitted.
In-store POS: For brick-and-mortar retailers, PayTomorrow integrates with point-of-sale terminals or provides a tablet-based application flow. Sales associates direct customers to the PayTomorrow application at the appropriate point in the purchase process.
Phone/manual: For sales conducted by phone or custom orders, PayTomorrow supports a manual application flow that sales representatives can guide customers through.
PayTomorrow typically charges the merchant a discount rate on funded transactions — similar to credit card processing fees. The consumer bears the interest cost; the merchant pays a percentage of the sale amount to receive the full purchase price upfront from the lender. Specific discount rates are negotiated based on the merchant's volume, category, and average ticket size.
For merchants, the value proposition is straightforward: offering financing at checkout consistently increases average order values and conversion rates for large purchases. Customers who might defer or abandon a $2,000 purchase can complete it immediately with manageable monthly payments.
