EZPAY Advantage® Retail Products & Services


EZPAY Advantage for Retail Products & Services


What is the EZPAY Advantage?

EZPAY Advantage® is a deferred payment program offered by Secure Payment Systems ("SPS") that allows customers to extend their payment for goods or services over 3, 6, or 12 months utilizing their bank issued debit card.  
SPS guarantees and assumes all liability for the transaction payment and settles the funds to the business’ bank account in three business days.  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. 
Markets We Serve  
EZPAY Advantage supports a variety of industries and business. Here is a growing list where EZPAY Advantage is being used to help business grow and support their customers:
  • Appliance Sales & Repair                                               
  • Automotive Parts / Tires / Rims & Installation
  • Car Dealer Parts % Service
  • Computers
  • Funeral Homes & Services
  • Furniture / Bedding / Mattresses
  • Home Improvement Retail / Lawn & Garden Appliances
  • New / Used Scooters and ATV Dealer Sales
  • Recreational & Sporting Equipment
  • Transmission Repair
  • Vocational Training
If your business in not in this list, please contact us and we will be happy to explore how we can support your products and services.
How Does It Work?
Using a simple and real-time application via a web enabled devices such as a laptop, tablet, or mobile device, the customer the EZPAY Advantage application.  Basic information such as name, address, birth date,  social security number, and limited employment information are captured and submitted to SPS for underwriting.
SPS electronically reviews the underwriting data in seconds and once approved, the customer is presented with several payment options to choose from to meet their payment objectives.
The customer selects which payment option is best for them. They are then be presented with an agreement to accept, requested to enter their debit card information which ill be used for the down payment and scheduled payments.  The transaction is then complete!  The purchase agreement will be emailed to the customer for their records and SPS funds the businesses bank account in three business days.  It’s that simple.

Simplicity for Merchants!

  • Access the application process via any internet connected device

  • Applications are processed in real time with decisions in seconds

  • No paperwork to complete

  • Customers need only a bank issued debit card to complete the application 

  • SPS settles the full amount of the transaction to the merchant’s account in three business days

  • SPS assumes all payment liability for the transaction after the sale


Simplicity for Shoppers!

  • Less than perfect credit is okay!

  • Applications can be pre-approved with exact buying power

  • Multiple payment terms

  • Apply in store or in the comfort of their home

  • Text and email notices provided throughout the application process

For larger businesses and processing platforms and eCommerce merchants who have a need for an integrated solution, SPS can provide an Application Programming Interface (“API”) for direct host to host processing to our fully redundant authorization systems.  SPS’ technology staff will work with the business to provide assistance, answer questions on the API, coordinate testing, and certify the application is ready for deployment.
Whether you need a simple and ready to deploy financing tool or a fully integrated system, SPS stands ready to support your needs. 
Contact us today to learn more!

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