Consumer
Financing & Billing Solutions
Removing the cost barrier for your customers and providing hassle-free billing solutions.
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Consumer
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About Us
Founded in 2000, ePay Management has an impressive long-term legacy of partnership with its customers in successfully applying technology-based, merchant electronic payment and consumer financing solutions and solving their toughest problems.
We are proud of our reputation as a solutions provider and innovator. Our corporate culture is one of dedication, respect, and continuous improvement. We measure our success by our customers' successes.
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Financing
Our loan referral financing solution provides more approvals, higher loan amounts and longer term options than traditional lending options. We cater to preferred vertical markets as well as those that typically do not meet most lenders' participation requirements.
Our marketplace lending platform features instant credit decisions and aggressive credit policies. Our goal for the platform is to make it as comprehensive and simple for you as possible.
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Payments
We provide billing and payment plan solutions that help you work smarter while expediting the collections process by automating receivables, creating "smart" invoices on the fly and easily setting up affordable payment plans with automatic billing for customers who have been denied funding.
Let us show you how to reform your ROI by taking advantage of wholesale rates and implementing fixed cost options.
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
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.
- Consumer Financing Solutions
- eCheck and ACH Fixed Cost Processing
- Wholesale CC Transaction Rates
- Integrated Billing & Payment Gateway w/ Smart Invoicing, Recurring Billing & Customer Vault Options
- Stand-alone, Wireless & Tablet-Based Point-of-Sale
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.
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.
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
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!
