Perpay
The all-in-one shopping app to buy now, pay later, and build credit.
Overview
Perpay is a shopping and payments platform that offers a unique buy now, pay later model based on direct payroll deductions. This allows customers to make purchases from top brands and pay for them in manageable installments, while also providing an opportunity to build their credit history. Perpay aims to provide a responsible and accessible way for consumers to manage their finances.
✨ Key Features
- Payments through automatic payroll deductions
- Credit building with on-time payments reported to credit bureaus
- Access to top brands in the Perpay marketplace
- No fees or interest
- Spending limits based on income
🎯 Key Differentiators
- Payments via payroll deduction
- Focus on credit building
- Curated marketplace of top brands
Unique Value: Offers a responsible and convenient way for consumers to buy now and pay later through automated payroll deductions, while also helping them build their credit history.
🎯 Use Cases (3)
✅ Best For
- Providing a disciplined and convenient way for consumers to make purchases and build credit
💡 Check With Vendor
Verify these considerations match your specific requirements:
- Consumers who are not able to set up payroll deductions
🏆 Alternatives
Perpay's payroll deduction model provides a more disciplined approach to BNPL compared to competitors that rely on debit or credit card payments.
💻 Platforms
🔌 Integrations
🛟 Support Options
- ✓ Email Support
- ✓ Live Chat
- ✓ Phone Support
- ✓ Dedicated Support (NA tier)
🔒 Compliance & Security
💰 Pricing
Free tier: Free for consumers to use
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