Behalf for Ecommerce

Behalf for eCommerce gives businesses the power to:

Get Paid Faster

Create an automated eCommerce financing experience that accelerates receivables. You’ll get paid by the next business day after transaction approval.

Increase Revenue and Average Order Value (AOV)

Give business customers greater buying power and watch your business grow. Our merchant partners have increased AOV by 53-83% and revenue by up to 44%! ²

Reduce Cart Abandonment Rate

46% of US online shoppers abandon their carts at the payment stage of the checkout process. ³ Offering the ability to pay over time can reduce friction in the buying process.

Keep Customers on Your Website

Behalf can be easily embedded on any page of your website. Customers can sign up for Behalf without ever leaving your site!

How it works

Your customer selects Behalf as a payment option at the point of checkout.
If previously approved for financing with Behalf, your customer will proceed to checkout.
A customer who has not yet been approved for financing with Behalf can sign up directly within your checkout flow in minutes.
Your customer completes the checkout process and you get paid the next business day after transaction approval. ⁴

Transparent Pricing

Merchant Transaction Fee*

Outsource your terms/financing program: reduce the costs of internal manpower, invoice production and DSO
Receive payment quickly: by the next business day after transaction approval
Omnichannel capability: integrate Behalf in any channel you sell at no extra cost
Pay only a transaction-based fee: no hidden monthly fees or transaction volume minimums

Get Started

* Rates vary and are subject to change based upon multiple business factors. When transactions are processed via virtual card, Behalf will not charge a transaction fee: only regular credit card processing fees apply. Assumes a 2% transaction fee when transactions are processed via ACH. Subject to Merchant Terms and Conditions.

Integrating Behalf in your sales process is easy.

Behalf for eCommerce can be integrated seamlessly within your existing checkout flow. Get up and running with our embedded app, which only requires a single line of code.

Our API supports flexible customization, allowing you to promote growth across existing sales channels.

Get up and running in minutes with our eCommerce platform extensions for BigCommerce and Magento.

Behalf can be integrated within an order management system or ERP, automating your reconciliation process and allowing payment requests to be sent with a single click.

FOOTNOTES [ + ]

1, 4.	↑	*Subject to underwriting and approval criteria. Merchants generally get paid same-day if by virtual card, or next business day if by ACH, (ACH subject to cut-off time of Thursday at 6 p.m. PST). Processing delays could occur or due to unforeseen circumstances, e.g. when more information is required.
2.	↑	Merchants have achieved the following results with Behalf: * A national merchant selling electronics saw a 52.6% increase in AOV in 2018, vs the AOV they projected based on their current AOV in November 2017. A national electronics distributor saw a 83% increase in AOV with customers that use Behalf vs. other payment options (based on sales data from Q1 2017 – Q2 2018)  * A top electronic distributor saw a 44% increase in revenue in the 18 months since launching Behalf as a payment offering, measured in May 2017.
3.	↑	Business Insider’s analyst firm, BI Intelligence, studied the issue of shopping cart abandonment in Q4 2016 and tried to figure out why customers typically quit on the process. For more information, visit: https://www.businessinsider.com/e-commerce-shoppers-abandon-carts-at-payment-stage-2016-3

*Subject to underwriting and approval criteria. Approval occurs at the transaction checkpoint. Merchants generally get paid same-day if by virtual card, or next business day if by ACH, (ACH subject to cut-off time of Thursday at 6 p.m. PST). Processing delays could occur or due to unforeseen circumstances, e.g. when more information is required. Merchants have achieved the following results with Behalf:
- A national electronics distributor saw a 83% increase in AOV with customers that use Behalf vs. other payment options (based on sales data from Q1 2017 - Q2 2018)
- A top electronic distributor saw a 44% increase in revenue and 80% increase in purchase frequency in the 18 months since launching Behalf as a payment offering, measured in May 2017
DSO (days sales outstanding) savings are based on float cost savings for a 29 day DSO improvement (from 30 days to 1 day) and $18 cost per invoice generated. Cost reduction estimates are based on the following assumptions:
- $18 per invoice: assumes $7 for administrative/postage costs and $11 in credit and collection costs

Loans are funded by FinWise Bank, a Utah-chartered bank located in Sandy, Utah, member FDIC, Equal Opportunity Lender. Merchant Cash Advances are made by Behalf. For more information on ECOA, click here. For important information about opening a new account, review Patriot Act procedures here. Visit Legal to review our comprehensive program terms, conditions, and disclosures.

Behalf for eCommerce