You offer a plan
Shown at checkout, next to paying in full.
Buy now, pay later
Let your customers pay over time.
Your own pay-later plan. Split a purchase into equal payments and we charge each one on schedule. No interest and no lender in the middle — the money is paid out to you as each payment comes in.
Pay less today:get a quote built around your volume and see what you'd save.
No interestYou set the schedulePCI compliant
Interest0%the same price, in equal payments
PAY OVER TIME•••• 0260
All major card networks
PCI compliantCard data is tokenized end to end.
Proven at scaleBuilt on infrastructure processing millions of transactions a year.
WHAT YOU GET
A bigger yes at checkout, with nothing to explain.
A payment plan only helps if a customer understands it in one glance. So it is one idea: the same price, split into equal parts.
The price, split into equal payments. A customer who would have hesitated at the total sees a smaller number due today and the rest spread out evenly. Same price, paid over time, and that is the entire product.
No interest. Nothing added. The installments add up to exactly what the purchase cost. There is no rate to disclose, no compounding, and no last payment that turns out larger than the others.
You set the schedule. How many payments, how far apart, and which purchases qualify are your decisions. It is your plan offered to your customer, not a third party's terms dropped into your checkout.
Paid as each payment comes in. Every installment is paid out to you like any other card payment once it is collected. Nothing is advanced, so there is nothing to pay back and no financing fee taken off the top.
No lender in the middle. Your customer is not sent to another company to apply for credit. They stay in your checkout, pay the first part, and the relationship stays between the two of you.
Each payment is charged for you. The card is saved at checkout and every installment is charged automatically on its date, so nobody on your team is sending reminders or keying in a card a month later.
HOW IT WORKS
One extra choice at checkout.
Nothing for your customer to learn and very little for your team to run. From the moment they choose it, this is everything that happens.
They pay the first part
And their card is saved for the rest.
The rest is charged on schedule
Equal payments, collected automatically.
You are paid as it arrives
Each installment, in your normal payout.
One place to see it all
Every plan and each of its payments sits in the same dashboard and the same reports as the rest of your card payments.
YOUR PLAN, YOUR TERMS
It is your plan. We just run it.
Paydude is not a lender and does not advance you the money. You decide who gets a payment plan and on what terms; we charge each installment on schedule at your normal card rate and pay it out as it clears.
GOOD QUESTIONS
Financing, explained plainly.
Do my customers pay interest?+
No. A payment plan is the same price split into equal payments. The installments add up to exactly what the customer would have paid up front, with no interest added.
When do I get paid?+
As each installment is collected. Paydude does not advance the full amount: every payment in the plan is paid out to you the same way any other card payment is, once the customer has actually paid it.
What happens if a customer misses a payment?+
The plan is yours, so the unpaid balance is between you and your customer. Paydude charges each installment on its date and shows you when one fails, but it does not guarantee the remaining payments.
Is Paydude lending money to my customer?+
No. There is no loan, no application and no third-party lender. You are choosing to let your own customer pay over time, and Paydude is the payments system that charges the installments.
What does it cost my business?+
Each installment is an ordinary card payment, charged at your card rate. Because nothing is being financed, there is no financing fee on top of it.
What kind of purchases is it for?+
Anything where the total is what makes a customer hesitate: a larger one-time purchase, an annual plan, or a setup or onboarding fee. For small everyday amounts, paying in full by card is still the simpler choice.
SCHEDULE A CALL
Make the big number a small one.
Get a quote built around your volume, with payment plans ready to offer from day one.
Schedule a call