EZPAY Advantage® For E-Commerce

EZPAY Advantage® for e-Commerce Transactions


What is the EZPAY Advantage®?

Does your website offer all the payment options that are available in the marketplace?  Do you offer a financing option for your customers that can increase your conversions and revenue?  EZPAY Advantage® for e-commerce merchants provides a solution that helps you grow your business.
EZPAY Advantage® is a deferred payment program offered by Secure Payment Services ("SPS") that allows your customers to finance their purchase over 3, 6, or 12 months utilizing their bank issued debit card.  
E-commerce merchants can now confidentially sell merchandise to customers who in the past may have not been able to afford the purchase by using EZPAY Advantage®. SPS assumes all payment risk and the purchase amount is funded in full in three business days significantly increasing cash flow. And by utilizing proprietary risk management tools, SPS can approve a majority of these transactions - including those who have less than perfect credit or credit scores as low as 525. 
EZPAY Advantage is also simple to use and integration can be easily accomplished through multiple platforms including:
  • Hosted at SPS
  • Directly connected to SPS via API
  • Multi-lender platforms
See below for more information on these connections. 

Markets We Serve

EZPAY Advantage supports a variety of e-commerce business. Here is a sample list where EZPAY Advantage is being used to help business grow and support their customers:

  • Appliance Sales                                                
  • Computers
  • Furniture / Bedding / Mattresses
  • Home Improvement 
  • New / Used Scooters and ATV Dealer Sales
  • Recreational & Sporting Equipment
  • Vocational Training

If your business in not in this list, please contact us and we will happy to explore how we can support your products and services.


Hosted Solution

Our hosted solution is a simple to use and real-time application accessed via a web enabled devices such as a laptop, tablet, or mobile device.  The customer receives a link to the EZPAY Advantage application and enters basic information such as name, address, birth date, social security number, and limited employment information which is submitted to SPS for underwriting.


SPS electronically reviews and consumer who are approved are presented with multiple payment options that they can choose to match their payment goals.

Once the customer selects which payment option is best for them, they will be presented with an agreement to accept, requested to enter their debit card information that will be used for the scheduled payments, and the transaction is complete.  The customer will be emailed the agreement for their records and SPS then funds the the businesses bank account.  It’s that simple.
Application Processing Interface ("API") for Integrated Processing
For larger merchants who already capture customer data in their current financing applications, SPS can provide an API which captures the necessary data from the current platform and process the application as a primary or secondary lender.  This allows the retailer to maintain their current environment , leverage multiple lenders, and significantly increase approval and revenue.  Most merchants can integrate to SPS in less than two weeks with SPS supporting the development at every step including integration, testing, and certifying the merchant's systems.  As with our hosted solution, SPS assumes all payment risk and funding is completed in three business days. 


SPS Supports Multi-Lender Platforms
Not only can EZPAY Advantage can be used as a sole financing platform, but it can also be provided via multi-lender platform systems that have already integrated with SPS.  These systems utilize multiple lenders to cover the broad spectrum of credit worthiness and meet the increasing demand for payment over time options.  SPS is currently integrated with several multi-lending platforms.  Let us consult with you to assist in finding the system that is best for your business.
Simplicity for The Merchant!
  • Access the application process via any internet connected device, API, or Multi-lender platform
  • Applications are processed in real time with decisions in seconds
  • No paperwork to complete
  • Customer need only a bank issued  debit card to complete the application 
  • SPS settles the transaction to the merchant’s account in three business days
  • SPS assumes all liability for the payment after the sale
Simplicity for The Customer!
  • A broad range of credit scores are accepted and as low as 525
  • Applications can be pre-approved 
  • Multiple payment terms
  • Apply in the store or in the comfort of their home
  • Text and email notices provided throughout the application process
Let SPS and EZPAY Advantage® help you increase the number of customers you can serve, increase your cash flow, and reduce your collection efforts . 
Contact us today to learn more!

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