Make big jobs easy to say yes to.
Flexible consumer financing with ScanPay’s trusted partners, Sunbit and Klarna — built into the app you already collect with. Your customer splits the bill into 3–12 monthly installments; you are paid in full, upfront.
The $4,800 job stops being a phone-around.
Your customer applies on their own phone in about 30 seconds, gets an instant decision, and picks 3–12 months. You watch the full amount settle to you upfront.
Send the same invoice
Financing rides the invoice link you already send — no new hardware, no separate signup.
They apply on their phone
A 30-second application with a 90% approval rate, up to $20,000, decided instantly.
You’re paid in full
The full job amount comes to you upfront, on your normal payout schedule.
Installments aren’t your problem
Repayment is the partner’s job. No merchant liability for missed payments or financing chargebacks.
“Can we split this?” is now a yes.
- Built into ScanPay — no separate signup, hardware or integration
- You’re paid the full amount in one go; installments are the partner’s job
- No merchant liability for missed payments or financing chargebacks
- Works through the same invoice link you already send
Capital for the business, too.
Eligible merchants get financing offers based on ScanPay sales history — no personal credit check, one flat fee, no interest, repaid automatically as a percentage of sales. Funds land in about 2 business days.
Financing, answered.
01How does customer financing work?
Sunbit and Klarna are built into ScanPay — no separate signup or integration. Customers apply in about 30 seconds on their own phone, with a 90% approval rate and instant financing up to $20,000, split over 3–12 months.
02What if my customer misses payments?
Not your problem. You are paid the full amount upfront; repayment is handled by the financing partner, and you carry no liability for missed payments or financing chargebacks.
03Can ScanPay finance my business?
Eligible merchants get capital offers based on ScanPay sales history — no personal credit check, one flat fee, no interest. Repayment is collected automatically as a percentage of your ScanPay sales, and funds arrive in about 2 business days.