Empowering businesses to offer flexible, affordable installment payments and giving consumers the power to pay on their terms, all powered by low-cost ACH instead of high-fee credit cards.

Simple. Affordable. ACH-first Buy Now Pay Later for businesses and consumers.

Get Started with AvailPay Now

How AvailPay Works

Simple, transparent, ACH-powered.

For Businesses:

For Consumers:

  1. Split payments with AvailPay.
    Get paid upfront — we handle the rest via ACH.

  2. Reach more customers.
    Serve people who can’t or don’t want to use credit cards.

  3. Grow your business, faster.
    Funds are deposited quickly and securely.

  1. Split payments with AvailPay.
    Buy now, pay later — with no credit card required.

  2. Shop at more businesses.
    Pay over time with simple, secure ACH payments.

  3. Take control of payments.
    Transparent terms — no surprises.

Why AvailPay for Businesses?

  • Boost sales with flexible payments.
    Make high-ticket services affordable — without cutting prices.

  • Avoid high credit card fees.
    ACH-first transactions keep more of your money.

  • Get paid upfront — customers pay over time.
    You get paid quickly; we handle the rest.

  • Reach more customers, reduce friction.
    Offer a payment option for people who can’t or won’t use credit cards.

Why AvailPay for Consumers?

  • Split payments with no credit card.
    Pay over time for what you need — without racking up debt or using credit cards.

  • Fast, easy, and transparent.
    No hidden fees. No surprises. Just simple, affordable payments.

  • More ways to pay for essential services.
    Use AvailPay at businesses that offer high-ticket services — from repairs to professional help.

  • Stay in control of your payments.
    Flexible installment plans that work for your budget and timeline.