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What is Perpay?

Perpay is an innovative financial technology company that offers a unique buy now, pay later service, allowing consumers to shop seamlessly within its marketplace. This platform enables users to break down the cost of their purchases over time, without incurring interest or additional fees. Shoppers can easily manage their payments in installments directly on the site. To get started with Perpay, individuals must create an online account, which then helps establish an estimated spending limit tailored to their profile. Once this limit is set, users are free to browse the extensive online marketplace. At the time of checkout, customers submit their chosen items for approval, and upon receiving confirmation, they are sent an email detailing the payment process. After the first payment is completed, Perpay ensures that the purchased items are shipped directly to the customer. This entire operation acts as a preapproved payment plan, completely free from any interest or hidden charges. Moreover, Perpay enhances the repayment experience by automatically deducting the owed amount from customers' paychecks, which simplifies budgeting and makes purchasing more straightforward. Ultimately, Perpay emerges as a convenient and user-centric solution for individuals aiming to manage their finances effectively while enjoying the flexibility of installment payments. With its straightforward process and customer-friendly features, Perpay is well-positioned to meet the needs of today's savvy shoppers.

What is Halocard?

Halocard is a cutting-edge virtual payment card solution that can be accessed online, catering to both individuals and businesses alike. It provides Visa cards issued in the U.S., which users can manage via an easy-to-use web dashboard that includes features such as a shared USD balance, card creation, spending limit adjustments, and options to lock or cancel cards as necessary. For added security, disposable cards automatically deactivate after their first successful transaction. Users can fund their accounts through a variety of methods, such as supported card payments, Apple Pay, Google Pay, bank transfers, stablecoins, and cryptocurrencies. The platform supports online shopping and mobile wallet transactions and offers different subscription plans tailored for personal and business needs, each with varying limits on the number of cards and users. Particularly, annual subscriptions provide additional disposable card features for those who require temporary cards. To maintain compliance and security standards, Halocard requires identity verification and serves clients based in the United States and several other countries, while adhering to the restrictions set by issuers, banking partners, and local regulations. Importantly, Halocard functions as a financial technology service rather than a conventional bank, with its partners handling the actual issuance of cards and banking operations. Furthermore, the seamless interface and wide range of payment options enhance its appeal, making it a preferred choice for customers in search of adaptable financial solutions. This positions Halocard as a reliable alternative for those looking to navigate the evolving landscape of digital payments with ease and security.

Media

Media

Integrations Supported

ADP Embedded Payroll
Equifax BusinessConnect
Experian Connect
TransUnion Collections Management

Integrations Supported

Apple Pay
Google Pay

API Availability

API Availability

Has API

Pricing Information

Free
Free Version

Pricing Information

$12/month
The Essential plan is $12 per month or $120 per year. Annual plans include disposable-card features. Identity verification and eligibility restrictions apply.

Supported Platforms

SaaS
Android
iPhone
iPad
Mac

Supported Platforms

SaaS

Customer Service / Support

Standard Support
Web-Based Support

Customer Service / Support

Standard Support
Web-Based Support

Training Options

Documentation Hub
On-Site Training

Training Options

Documentation Hub

Company Facts

Organization Name

Perpay

Company Location

United States

Company Website

perpay.com

Company Facts

Organization Name

Halocard LLC

Date Founded

2024

Company Location

United States

Company Website

halocard.co

Categories and Features

Earned Wage Access

Not specified

Categories and Features

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