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Consumer Financing/Pay Over Time

Everyone has heard of the big players in Buy Now Pay Later offered by Ecommerce Giants and Fortune 500 companies. The goal for these businesses is to close more sales with flexible payment options for customers who don’t have the cash or credit limit to allow them to make the purchase.

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At NoRate™, we love to help small businesses compete with the Fortune 500 by offering similar tools. Our small business clients are able to bring more potential clients in the door by announcing that they offer Pay Over Time or Financing Options and close sales that would otherwise walk out of the door due to the inability to pay.

Most of the options that you may have seen in the marketplace are unacceptable for small businesses because they are too hard to use, decline too many customers, deny too many small business types, have bad customer service, only offer a low dollar amount, etc.

At NoRate™, we are proud to offer a variety of flexible programs customized to your small business’ priorities.

Which industries can benefit from these programs? Here are some examples:

  • Auto Repair and Body Shops
  • Flooring
  • Furniture
  • Hair Restoration
  • Home Contractor Businesses
  • Jewelry 
  • Mattress Sales
  • Medical Practices
  • Med Spas
  • Tax Resolution

However, there are so many other industries that we work with, so contact us today to learn more.

Don’t Pay Credit Card Processing Rates

    Schedule Your Consultation

    $0 Application Fee

    Really, no charge to start service with us.

    $0 Early Termination Fee

    Stay with us because you want to keep using our amazing services, not because we penalize you to leave. Our agreements are month to month without any early termination fee.

    Education and Transparency

    We will dive deep into your business to find the best solutions for your needs. We’ll walk you through our logic and always give you multiple options to choose from to make you 100% comfortable.

    Ethics and Experience

    The payments world is a dirty business without any licensure or certifications. We didn’t just pop up yesterday. Our parent company, Palm Beach Merchant Services, has been in business since 2009 and works mostly by referral.

    Faster Collections

    We want you to get paid easier and faster. Upgrade your capabilities to payments to keep your receivables at a minimum.

    Full Access To The Marketplace

    We don’t work for any credit card processors. We have access to all major processing networks including Elavon, EPX, Fiserv, Global/TSYS, Vantiv/WorldPay.

    Happy Client Priority

    We want our clients to be happy. If you are not happy with your platform or pricing model, we’ll be happy to make the changes necessary to meet your needs.

    Increase Sales

    We also want to help drive more sales for your business. By offering consumer financing or pay-over-time options, you’ll increase sales and conversions.

    Multiple Layers of Support

    You’ll receive a dedicated account manager from NoRate™ as well as direct 24/7 tech support. Whether you have a specific question about your processing setup or a tech emergency, we have you covered.

    Next Business Day Funding

    Get your money asap. Don’t wait multiple days to get paid when accepting credit cards.

    No Garbage Fees

    Credit card processors love to make up additional rates and fees. We don’t tack on any junk fees. You’ll know exactly what you are paying for.

    Onboarding Support

    We make sure that your transition is as seamless as possible when you change to a new platform, hardware or gateway.

    Reviews From Happy Clients

    There is a reason that we have a 5.0 star rating on Google with over 100 reviews. We strive to make our clients happy.

    Security

    We make sure that you are accepting payments in the most secure manner to protect your clients and your business.

    Small Business, Big Reach

    We are a small business just like yours. Whether your company is located near our offices or across the country, we’ll make you feel like part of our family.

    Technology

    We are constantly scouring the marketplace for the best and most secure technology. Don’t accept payments with outdated hardware or platforms that will fail you at the worst times.