Consumer financing

PayEx offers a complete framework for financing over the internet and in a physical store.  The service makes it possible for you to offer your customers:

• Payment plan
• Credit account

Using these services, you as a store owner can control the dialogue with your customer, freely choose your financing partner, and choose your own interest rate.  We offer a modern and highly flexible solution, a wide assortment of payment methods, financing of included contracts, and functionality, administration and follow-up of all financing.

All Nordic e-signatures are accepted as electronic signatures and can therefore be used over the internet.  These are considered as a proof of identity and personal signature.

• Sweden: BankID, Telia eSignatur, Nordea eSignatur
• Norway: Bank ID and BuyPass
• Denmark: Net-ID
  

PayEx Credit Account:

Credit Account is a payment service that makes it possible for you to offer your customers a "purchase account" of credit.

The service may include customer credit check, electronic signature of agreement, and automatic monthly follow-up of outstanding amounts.  If you have customers that shop often, there is the possibility to offer them a summary invoice of multiple purchases over a period of time, where your customer may choose to pay the entire invoice or portions of the total amount.  PayEx  takes care of management of the entire payment process until the outstanding amount is paid in full. 

PayEx Payment plan

PayEx Payment plan is a payment service that makes it possible for you to sell products and services that your customer can later choose to pay for in installments. This is available over the net as well as in a physical store.

The service may include customer credit check, electronic signature of agreement if the purchase occurs over the internet or with a regular signature in a physical store, automatic monthly invoicing, and a very unique and flexible functionality.  PayEx can also provide Contract lending on loan agreements.