# Perpay

> We're here to help.

## About Perpay

- [Who We Are](https://help.perpay.com/en/articles/5921142-who-we-are.md): Get to know Perpay
- [How Perpay Works](https://help.perpay.com/en/articles/450206-how-perpay-works.md): Expanding access to financial services
- [How Perpay Uses Direct Deposit for Payments](https://help.perpay.com/en/articles/11661160-how-perpay-uses-direct-deposit-for-payments.md): Learn how Perpay uses direct deposit to make simple, automatic payments from your paycheck and how to set it up or manage it.
- [Perpay Marketplace Eligibility Requirements](https://help.perpay.com/en/articles/450219-perpay-marketplace-eligibility-requirements.md): Welcome to Perpay, we would love to work with you!
- [Perpay Referral Program](https://help.perpay.com/en/articles/5921081-perpay-referral-program.md): Refer your friends to Perpay and get $80
- [How to Build Credit with Perpay](https://help.perpay.com/en/articles/12654873-how-to-build-credit-with-perpay.md)

## Profile and Account

- [How Do I Reset My Password or Resolve Login Issues on Perpay?](https://help.perpay.com/en/articles/5921133-how-do-i-reset-my-password-or-resolve-login-issues-on-perpay.md): How to access your account when you’re unable to log in
- [How Can I Reactivate or Deactivate My Account?](https://help.perpay.com/en/articles/5921139-how-can-i-reactivate-or-deactivate-my-account.md): Information on getting your Marketplace account opened after a previous deactivation and closing your account.
- [How to View and Update Your Personal Information](https://help.perpay.com/en/articles/5921117-how-to-view-and-update-your-personal-information.md): Need to view or update your email address, phone number, or employment details? How to manage your personal information in your account.
- [Why Can’t I Verify My Identity on Perpay?](https://help.perpay.com/en/articles/11825459-why-can-t-i-verify-my-identity-on-perpay.md): Verifying your identity is an important security step to keep your account safe and ensure only you can access your Perpay benefits.

## Orders and Approvals

- [Marketplace Order Approval Process](https://help.perpay.com/en/articles/450236-marketplace-order-approval-process.md): What to expect of our approvals process after you place a Marketplace order
- [Can I change or edit my Marketplace Order?](https://help.perpay.com/en/articles/5949457-can-i-change-or-edit-my-marketplace-order.md): Process for making changes to your Marketplace Order once it’s been submitted
- [Canceling a Marketplace Order](https://help.perpay.com/en/articles/5949461-canceling-a-marketplace-order.md): Changed your mind? Here’s how to cancel a Perpay Marketplace order.
- [Making a Product Request](https://help.perpay.com/en/articles/9437817-making-a-product-request.md): How to put in a request for a product to be added to the Perpay Marketplace!
- [Applying a Coupon Code at Marketplace Checkout](https://help.perpay.com/en/articles/10008547-applying-a-coupon-code-at-marketplace-checkout.md): How to add a Coupon Code to your Perpay Marketplace Order

## Spending Limits and Payments

- [Guide to Your Spending Limit on Perpay](https://help.perpay.com/en/articles/450221-guide-to-your-spending-limit-on-perpay.md): About your spending limit and how to increase it
- [Setting Up and Updating Your Direct Deposit Payments](https://help.perpay.com/en/articles/450248-setting-up-and-updating-your-direct-deposit-payments.md): Setting up payroll direct deposit with Perpay keeps your Marketplace orders and Perpay Credit Card on track—no missed payments or late fees.
- [Using Perpay When You Can't Split Your Paycheck](https://help.perpay.com/en/articles/6021031-using-perpay-when-you-can-t-split-your-paycheck.md): How to set up payments to your Perpay account through our Split program
- [Using Perpay with SSI, SSDI, or VA Benefits](https://help.perpay.com/en/articles/14048636-using-perpay-with-ssi-ssdi-or-va-benefits.md)
- [Understanding Your Perpay Payment](https://help.perpay.com/en/articles/6023223-understanding-your-perpay-payment.md): How your minimum payment is determined
- [How to Pay off Your Marketplace Balance Faster](https://help.perpay.com/en/articles/450258-how-to-pay-off-your-marketplace-balance-faster.md): Making an extra payment to increase your available spending limit.
- [Stopping Your Payments](https://help.perpay.com/en/articles/5949565-stopping-your-payments.md): How to manage payments once your balance is paid in full
- [Withdrawing An Overpayment](https://help.perpay.com/en/articles/5949552-withdrawing-an-overpayment.md): Understanding overpayments on your account
- [Applying a Perpay Credit to Your Order](https://help.perpay.com/en/articles/493389-applying-a-perpay-credit-to-your-order.md): Understanding credits on your account
- [How does my Perpay Marketplace spending limit work?](https://help.perpay.com/en/articles/5998121-how-does-my-perpay-marketplace-spending-limit-work.md): Gain insights into your spending limit and how it influences your shopping journey on the Perpay Marketplace.
- [Can I pay for someone else?](https://help.perpay.com/en/articles/9437782-can-i-pay-for-someone-else.md): What to do if your payroll direct deposit does not match your Perpay account details
- [Where can I view my Payment History?](https://help.perpay.com/en/articles/10347404-where-can-i-view-my-payment-history.md): Locating where your payments have applied on your Perpay account

## Perpay Credit Card

- [What is the Perpay Credit Card?](https://help.perpay.com/en/articles/6454424-what-is-the-perpay-credit-card.md): The Perpay you know and love, available on the go.
- [Perpay Credit Card FAQ](https://help.perpay.com/en/articles/8411145-perpay-credit-card-faq.md)
- [Applying for the Perpay Credit Card](https://help.perpay.com/en/articles/8410847-applying-for-the-perpay-credit-card.md): Learn what’s needed to apply for the Perpay Credit Card and how decisions are made.
- [Card Shipment and Activation](https://help.perpay.com/en/articles/8417799-card-shipment-and-activation.md)
- [Direct Deposit and Payments](https://help.perpay.com/en/articles/8410866-direct-deposit-and-payments.md): Learn why a direct deposit is required for the Perpay Credit Card, how it’s applied, and how to manage payments and deposits effectively.
- [Card Rewards](https://help.perpay.com/en/articles/8410854-card-rewards.md)
- [Increasing your Credit Limit on your Perpay Credit Card](https://help.perpay.com/en/articles/8411136-increasing-your-credit-limit-on-your-perpay-credit-card.md)
- [Declined Card Transactions](https://help.perpay.com/en/articles/8410372-declined-card-transactions.md)
- [Perpay Credit Card Terms](https://help.perpay.com/en/articles/6454394-perpay-credit-card-terms.md): Learn about the Perpay Credit Card’s starting credit limit, monthly fees, and APR.
- [Closing your Perpay Credit Card](https://help.perpay.com/en/articles/9116636-closing-your-perpay-credit-card.md): Information about closing your card account
- [Can I set up, retrieve, or use a PIN for my Perpay Credit Card?](https://help.perpay.com/en/articles/12038634-can-i-set-up-retrieve-or-use-a-pin-for-my-perpay-credit-card.md)
- [Using Your Card with a Digital Wallet](https://help.perpay.com/en/articles/12428807-using-your-card-with-a-digital-wallet.md)
- [Transaction Disputes](https://help.perpay.com/en/articles/12428828-transaction-disputes.md): Below is an overview of how our transaction dispute process works for the Perpay Credit Card and what you can expect.
- [Understanding Your Perpay Credit Card Negative Balance](https://help.perpay.com/en/articles/12820044-understanding-your-perpay-credit-card-negative-balance.md)
- [Understanding Your Perpay Credit Card Statement](https://help.perpay.com/en/articles/14499474-understanding-your-perpay-credit-card-statement.md)

## Account Management

- [How do I report Suspicious Activity on my Account?](https://help.perpay.com/en/articles/9437806-how-do-i-report-suspicious-activity-on-my-account.md): What to do if you see any unrecognized activity on your Perpay account and some best practices for preventing account access.
- [Anticipated Missed Payments](https://help.perpay.com/en/articles/5949568-anticipated-missed-payments.md): How to work with Perpay when you expect to have a payment interruption.

## Shipments and Deliveries

- [How to Update Your Shipping Address on Perpay](https://help.perpay.com/en/articles/5988839-how-to-update-your-shipping-address-on-perpay.md): This article is for Perpay users looking to update or verify their shipping address.
- [Marketplace Exchanges](https://help.perpay.com/en/articles/5988851-marketplace-exchanges.md): Item exchange policy
- [Damaged or Defective Items](https://help.perpay.com/en/articles/5988845-damaged-or-defective-items.md): What to do if your items are damaged or defective
- [What should I do if my package is missing?](https://help.perpay.com/en/articles/5988843-what-should-i-do-if-my-package-is-missing.md): How to file a claim on a package that was lost or stolen after being marked as delivered by the shipping carrier.
- [What carrier do you use for shipment?](https://help.perpay.com/en/articles/5988835-what-carrier-do-you-use-for-shipment.md): Our carriers
- [What happens if an item I order goes out of stock?](https://help.perpay.com/en/articles/5988821-what-happens-if-an-item-i-order-goes-out-of-stock.md): Replacing an item in your Perpay Marketplace order after inventory changes
- [White Glove Shipping](https://help.perpay.com/en/articles/5988808-white-glove-shipping.md): White Glove Shipping details and expectations
- [What is Active Shipping and how do I qualify?](https://help.perpay.com/en/articles/2347994-what-is-active-shipping-and-how-do-i-qualify.md): Information on the Perpay Active Shipping program and how you can qualify.
- [When will my Marketplace order ship?](https://help.perpay.com/en/articles/431835-when-will-my-marketplace-order-ship.md): How to find the shipping timeframe and tracking information for your Perpay Marketplace order.
- [Warranty Plans](https://help.perpay.com/en/articles/5949445-warranty-plans.md): More information about PaymentSecure and ProductSecure
- [What should I do if my tracking hasn’t been updated in a while?](https://help.perpay.com/en/articles/9437878-what-should-i-do-if-my-tracking-hasn-t-been-updated-in-a-while.md): How to request a replacement package if your Marketplace order gets lost in transit.
- [Ashley Furniture Orders: Damaged or Missing Parts](https://help.perpay.com/en/articles/9653439-ashley-furniture-orders-damaged-or-missing-parts.md): What to do if your Ashley Furniture item is damaged or missing parts upon delivery
- [Important Perpay Holiday Shopping Information](https://help.perpay.com/en/articles/6753465-important-perpay-holiday-shopping-information.md)

## Credit Building

- [Perpay+ FAQs](https://help.perpay.com/en/articles/4622325-perpay-faqs.md)
- [When does Perpay report my information to the credit bureaus?](https://help.perpay.com/en/articles/11487086-when-does-perpay-report-my-information-to-the-credit-bureaus.md)
- [The 6 factors that influence your credit score](https://help.perpay.com/en/articles/13550119-the-6-factors-that-influence-your-credit-score.md)

## Holiday Shopping

- [Setting Up Your First Payment](https://help.perpay.com/en/articles/6624075-setting-up-your-first-payment.md): Get your orders shipped on time by setting up your payroll payments

## Product Guide

- [Diamond Buying Guide: Cut, Color, Clarity, Carat](https://help.perpay.com/en/articles/6824520-diamond-buying-guide-cut-color-clarity-carat.md)
- [Lab Grown Diamond Buying Guide](https://help.perpay.com/en/articles/6523349-lab-grown-diamond-buying-guide.md)
- [Designer Brand Authenticity](https://help.perpay.com/en/articles/6023210-designer-brand-authenticity.md): Ensuring the authenticity of your new designer items
- [Tire Buying Guide](https://help.perpay.com/en/articles/2511118-tire-buying-guide.md): General information to guide you in purchasing the correct tires for your vehicle.
- [Smartphone Buying Guide](https://help.perpay.com/en/articles/8549047-smartphone-buying-guide.md): General information to guide you through purchasing a phone that is compatible with your cell phone carrier.
- [Fragrance Product Authenticity](https://help.perpay.com/en/articles/12757325-fragrance-product-authenticity.md): Ensuring the authenticity of your new fragrance
- [Understanding Certified Pre-owned \(CPO\) Phones](https://help.perpay.com/en/articles/14667469-understanding-certified-pre-owned-cpo-phones.md): How Perpay ensures quality, value, and reliability for our mobile device assortment.