Do I need separate direct deposits for the Perpay Credit Card and the Marketplace?
No.
You only need one payroll direct deposit to your Perpay account to cover:
Your active Marketplace orders
Your Perpay Credit Card (issued by Celtic Bank)
As long as the total direct deposit meets or exceeds the combined required amount, you're all set.
Can Perpay change or cancel my direct deposit?
No.
Only you can make changes to your direct deposit with your employer or payroll provider. Perpay cannot update, cancel, or change any payroll instructions on your behalf.
Perpay Credit Card
What is the required direct deposit amount for the credit card?
Your required deposit is the amount that must be sent to Perpay each pay period to keep your credit card active.
This amount may be different from the “minimum payment due” shown on your monthly statement.
⚠️ Sending only the minimum statement payment might not be enough to meet your required deposit.
If the full required deposit isn’t received by your due date, your credit card may be suspended until a qualifying deposit is made.
Perpay Marketplace
What is the required direct deposit amount for the Marketplace?
Your required deposit for Marketplace orders is based on:
The total of your active orders
The repayment schedule you selected for each order
If you stop making payments, you may lose access to place future orders on the Marketplace.
Required Payments and Shipments
When will my Perpay Credit Card be shipped?
Your credit card will ship once your required direct deposit is received.
Most cards arrive in 5–10 business days
Some may take up to 15 days
When will my Marketplace order ship?
Your Marketplace order will ship after your required payroll deposit is received.
Some orders may ship faster if you have direct deposit already set up.
Where can I find more information?
For more information on your payroll direct deposit and how payments are applied, please see your Perpay Credit Card Account Cardholder Agreement, the Direct Deposit Terms, and the Perpay Terms and Conditions.
The Perpay Credit Card is issued by Celtic Bank.