30 Years Experience in Consumer Financing and Electronic Payments. Consumer Financing Solutions for All Types of Businesses. Billing and Collections Tools that Help You Work Smarter.

Consumer


Financing & Billing Solutions

Removing the cost barrier for your customers and providing hassle-free billing solutions.


Sign Up Now

Flexible Monthly Payments.

Our platform incorporates multiple lenders resulting in more offers to your customers and more flexibility.

Loan Amount $5,000 $10,000 $15,000 $25,000
Mo. Payment (As low as) $152 $235 $352 $483
Term 3 Years 4 Years 4 Years 5 Years

Enrolling in the ePay Finance consumer financing platform gives your customers access to up to 10 lenders with a single pre-application process. We blanket the borrower pool with offers for those with excellent credit expecting low, single-digit interest rates to those with sub-prime credit that are typically not desirable for most lenders.

Many applicants receive multiple offers so they can choose the offer with the terms, interest rate and payment that best fits their budget. Initial offers are made without affecting credit scores.


Custom Fit Solutions

Custom Fit Solutions

We understand that the needs of our customers vary on a case-by-case basis. Our dedicated consultants take the time to explain the benefits and costs of every aspect and option of our product offerings. We give you the information needed to make the right decision regarding implementation.

Are you happy with your current billing solution and just want to sign up for our consumer financing platform? No problem! Do you like your current credit card processor but want to implement our payment gateway and eCheck services? We can do that.

Our cutting-edge solutions are robust and flexible. We are confident we can help your business reduce time-to-cash, lower transaction costs and enable new revenue.

We are here to meet your needs as they pertain to consumer financing and accounts receivable solutions.


Saving With ACH Processing.

Cut your processing bill in half or more with our wholesale payment processing rates.

Sale Amount $100 $500 $1,000 $5,000
Credit CardIndustry Avg. Cost $2.50 $12.50 $25.00 $125.00
Debit CardIndustry Avg. Cost $1.25 $5.25 $10.25 $50.25
Electronic CheckActual Cost $0.50 $0.50 $0.50 $0.50

We offer transparent, cost plus pricing to optimize savings. The card processors establish the interchange rates for all credit and debit card transactions. We simply pass through those costs to you with a small discount rate and transaction fee over those interchange rates. Our rates start as low as 0.05% and $0.05 over cost and we provide a free cost analysis to show you how much you can save.

We also provide alternative, fixed-cost solutions like ACH processing so you can dramatically increase your profitability while giving your customers another payment option.









What our customers are saying...

  • "When we recommend a solution to our clients, we depend on the team at ePay Management as our single source vendor for delivering competitive rates, equipment and exceptional support and service."Chip N. - Salt Lake City, Utah
Focus on Legal

Focus on Legal.
The first affordable retainer financing and billing solution with bar compliance. See how we are helping law firms focus on cases while streamlining their bottomline. Read More

Focus on Home Services

Focus on Home Services.
Our financing and billing platform picks up the slack that traditional lenders leave behind. We have more than 30 years experience in the industry. Read More

Stem Cell Therapy Solutions

Focus on Regenerative Medicine.
Unfortunately, stem cell therapy is not yet reimbursed by insurance or Medicare to cover the cost of the procedure. To make matters worse, traditional lenders do not accept these business types into their programs. The ePay Finance platform is here to fill that need.
Click Here!