Consumer Financing - EZPAY Advantage®

Point of Sale and Ecommerce Consumer Financing Up to $4000*


Increase Your Customer’s Buying Power!

EZPAY Advantage® is a deferred payment program offered by SPS that allows customers to extend their payments for goods or services over 3, 6, 12, and in some cases 18 months utilizing their bank issued debit card.   SPS GUARANTEES the transaction and upon approval settles the funds to the merchant’s bank account in three business days.  And by utilizing proprietary risk management tools, SPS can approve a majority of transactions - including customers who have less than perfect credit or credit scores as low as 525. 


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 use their debit card to complete the application – no checks needed!
  • SPS settles the transaction in full to the merchant’s account in three business days
  • SPS assumes all 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
  • Up to 18-month payment terms
  • Apply in store or in the comfort of their home
  • Text and email notices provided throughout the application process


* Subject to SPS review and underwriting


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