Before placing your Marketplace order, please make sure that you meet our eligibility requirements here.

If your employer doesn’t provide the option to split your paycheck between more than one direct deposit account, we can still work together for placing orders on the Perpay Marketplace only.

Unfortunately, the Perpay Credit Card, as issued by Celtic Bank, requires a small direct deposit from your paycheck to access the card and is not eligible for customers who are unable to split their paycheck.

Please note, we can accept payments for Marketplace orders from SSI/SSDI and VA benefits. If you receive one of these benefits, we will split your benefit check through the process outlined below.

Please note that our system will not automatically split your paycheck – your employer must be designated a Perpay Split employer so that we know to split your direct deposit.

If you are interested in our Split program, please reach out to our Customer Success team so that we can help you set your direct deposit up!

Once your direct deposit is set up, your employer will send your full paycheck amount through your unique Perpay account, held with our partner JP Morgan Chase.

Our system will split your paycheck, applying your minimum direct deposit amount to your Marketplace order in accordance with your agreed upon payment schedule. After that, the remainder of your paycheck will be sent to your preferred verified bank account on file on the same day!

Once you have completed the scheduled payments for your Marketplace order, stop your direct deposits to Perpay by changing the direct deposit destination in your payroll back to your personal bank account.

Perpay does not have the ability to change or cancel any direct deposit amount sent from your employer or payroll provider. Only you can direct your employer or payroll provider to change or cancel your direct deposit amount sent to your Perpay account.

The Perpay Credit Card is powered by Deserve, Inc. and issued by Celtic Bank.