Here’s how it works:
Create your Marketplace account and receive an estimated spending limit
Shop our Marketplace for brands like Apple, KitchenAid, and PlayStation
Checkout and submit your order for our Approvals Team to review
Approved? Nice! Set up your payroll direct deposit to transfer payments to your Perpay account. Perpay doesn’t withdraw directly from your paycheck but instead relies on your employer to deposit into your Perpay payment account.
Choose how many payments you want to make over time
If you are not eligible for instant ship, your order will process for shipment when we get your first qualifying payment on your next payday. Orders are generally shipped within a week once the first direct deposit is received.
Payments will be processed from your paycheck each payday in accordance with your payroll direct deposit allotment. Note: only you can change or cancel your payroll direct deposit by working with your employer or payroll provider
Enjoy your new item with the peace of mind of knowing your payments are set up to be made automatically until your order is paid in full
Once your order is paid in full, contact your employer or payroll provider to cancel additional direct deposit payments to Perpay.
Perpay processes direct deposit payments on your actual payday. Once your payment is received, your account status is updated and your order is prepared for shipment. Account updates may take up to 24 business hours after payment is received.
By setting up payments to come directly out of your paycheck, you get:
A personalized spending limit to shop for your favorite products and brands with no hard credit check to Experian, Transunion, or Equifax!
Ability to pay over time for your orders without paying interest or fees
By enrolling in Perpay+, build your credit by an average of 32 points by making on-time payments while shopping for the things you need
Over time with a good payment history, access higher spending limits and lower payment amounts on your orders
All Perpay Marketplace orders are non-recourse. The only consequence of failing to make all agreed payments towards a Marketplace order is potentially losing access to make future orders on the Perpay Marketplace.
What if my payment isn't showing in my Perpay account? Check your payroll system to ensure correct deposit details were entered.
How do payments align with my payroll? Perpay processes payments as they are received on your employer's payday schedule.
Ready to start using Perpay? Click here to get started!