Important update: Buy Now, Pay Later has been discontinued and is no longer available to new users. This change is due to recent and pending changes in state and federal regulations. If you already have BNPL activated on your account, you can continue to use it as described below.
What is Buy Now, Pay Later?
Buy Now, Pay Later lets you make PayRange purchases even when your wallet balance is $0 or below. Your balance can go negative up to a personalized limit that we set for your account. Once a month, PayRange automatically charges the credit or debit card on file for the full amount of your negative balance plus a fee, bringing your balance back to zero. You choose the day of the month you'd like that charge to happen.
How it works for active users
- Personalized limit: Each account has its own purchase limit, determined at the time BNPL was activated.
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You pick your payment date: You choose the day of the month you'd like PayRange to charge your card to bring your balance back to zero or positive.
- Automatic monthly repayment: BNPL does not fund your wallet automatically during the month. The charge to your card happens only on the payment date you selected.
- Fee: Fee applies at the time of funding when the balance is brought positive.
How do I see BNPL activity?
BNPL fundings are labeled in both your Funding Activity and your Transaction log with text that identifies them as a BNPL purchase.
Can I sign up for BNPL?
No. BNPL is no longer offered to new users and we are not accepting new signups. Only accounts that already had the feature activated can continue to use it.
Need help?
If you're an existing BNPL user and have questions about your account, please contact PayRange Support at support@payrange.com.
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