Help Center

How Behalf Works

What is Behalf?

Driven by data and technology, Behalf is an alternative financing provider for American small and medium-sized businesses. B2B merchants can fit Behalf seamlessly into their eCommerce flow, providing their business customers with more buying power and a flexible payment option at checkout. Once approved, customers can use Behalf to fund business purchases with virtually any merchant, including MasterCard accepting businesses. Behalf offers two types of accounts:

Customer accounts allow Behalf to pay your merchants and offer you custom finance plans.

Merchant accounts allow you to accept payments from Behalf, on behalf of your business customers.

Who can pay with Behalf?

Subject to meeting our approval criteria, business customers can use their line to fund inventory purchases, business services, and other operational items.

Business customers must be registered in one of the 50 U.S. States and have a U.S. business bank account. The business contact, or responsible party of the account must also be a United States resident.

Please keep in mind, we do not work with third party financial institutions and do not fund existing debt, including credit card bills, bank loans, phone bills, travel expenses, educational expenses, rent, or employee payroll. Additional restrictions on business payments may apply. For more information, please see the Terms and Conditions for the various product offerings, here. Note: Depending upon whether you have a Merchant Cash Advance or a Business Loan, the disclosures will vary. Contact Customer Support, if you need more information.

Who can accept Behalf payments?

To accept payments, merchants must be registered in one of the 50 U.S. States, have a physical U.S. address and have a U.S. business bank account. Merchants are subject to meeting our approval criteria and can only offer Behalf to their business customers.

Please keep in mind, we do not work with third party financial institutions and do not fund existing debt, including credit card bills, bank loans, phone bills, travel expenses, educational expenses, rent, or employee payroll. Additional restrictions on merchant payments may apply. For more information, please see the Merchant Terms and Conditions.

Can Behalf build business credit?

We report information about your account and repayment activity to Experian and Small Business Financial Exchange (SBFE) on a monthly basis. Through SBFE, we also report to Equifax, LexisNexis and Dunn & Bradstreet. If repayments are made on time, Behalf can contribute to a stronger business credit profile.

Paying with Behalf

Will my credit be checked?

Signing up will not adversely impact a personal credit score, as Behalf will never conduct a hard inquiry on the Business Contact. The Business Contact is either the Responsible Party or the Guarantor. When you sign up for Behalf, a ‘soft’ inquiry will be made on the Business Contact’ s personal credit history and included as a factor in your business’ eligibility for a Behalf Business Account. In addition, we will obtain a business credit report.

On an ongoing basis, as part of the terms and conditions agreed to when signing up with Behalf and opening an account, we will perform periodic soft inquiries into the Business Contact’s personal credit history to monitor your business’s eligibility for any terms changes. These periodic credit reports are commonly referred to as ‘account management inquiries’ and do not have an impact on your credit score, as they are soft inquiries.

How can I check my spending power?

Log into your account and look for “Available For Purchasing” on your dashboard. The amount shown is how much you have currently available to spend.

Should you want to pay off your outstanding balance early to free up additional spending capacity, please email your request to

Does my merchant accept Behalf?

Behalf has a large network of B2B merchants and is also accepted across the MasterCard network. To see if your merchant accepts Behalf payments, follow the instructions below:

  • Log into your account.
  • Click “Create Payment” on your Behalf dashboard.
  • In the search bar, begin typing your desired merchant’s name.
    • If their name appears, they are already signed up with Behalf and ready to be paid!
    • If their name does not appear, click “Set up a new business payee here.” to register your merchant.

For more information on how to add a merchant to the Behalf network, click here.

How do I add a new merchant (“Business Payee”)?

If your merchant is not already in our network, you can add them in a few simple steps:

1. Log into your account.
2. On the top right-hand corner of your dashboard, click “Create Payment”.
3. Click “Set up a new business payee here” under the merchant search bar.
5. Follow the instructions to enter the new merchant’s details.


Once they’ve been added, we will reach out to them via email. When your merchant signs up with us, they will have the option to select their payment method.

Demo is not available on mobile

How do I use the virtual card feature?

Our virtual cards allow you to conveniently use your account to pay across the Visa and MasterCard networks. Simply create an order to a credit card-accepting business and we will generate a single-use, virtual card number for you to use at checkout. Since your virtual card number can only be used once, it’s the most secure way to pay.

Please note:

  • Your virtual card remains active for two weeks.
  • In most cases, virtual cards are provided directly to you, the customer, to be used during the checkout process.
  • You will get email instructions on how to use your virtual card, but your card will also be available under the “Payments” tab of your Behalf dashboard.
  • In rare instances, your merchant will be provided a virtual card directly after your payment is approved.
  • If all or part of the requested virtual card payment amount is unused, the unused amount will be credited back to your account.
  • Virtual cards are to be used exclusively with your requested merchant. Any use of your card at an alternative merchant or on an unsupported financial platform will result in a decline.



Demo is not available on mobile

Where can I find my virtual card?

Each time you create a payment to a credit card accepting business, a new virtual card is generated. If you have misplaced the email with the card details, you can access them anytime from your Behalf account. Simply identify the correct order payment on either the Dashboard or Payments tab, then click the arrow next to “Payment Generated” to reveal the card details. Remember, each one-time use card will expire within two weeks if it is not charged.

What is the billing address associated with my virtual card?

The billing address for your virtual card is the physical billing address that you provided when you signed up for a Behalf account.

Please be aware that the address needs to be identical to the one that you provided within your account. If you are unsure of this address, please log into your account for reference.

Can I use my virtual card in stores?

In most cases – yes. If you plan on using your virtual card in store, simply show the cashier your generated credit card by looking in your Behalf portal.

Please note, while this payment method is accepted across the Visa and MasterCard network, acceptance of this payment method is up to the merchant or store’s discretion.

When does my virtual card expire?

Your one-time use virtual card expires after 14 days from the issue date. We send reminders to make sure you do not forget to use your card.

If your card expires, do not worry – any unused funds will be deposited back into your account, ready to be used for future transactions.

How can I see which payment method my merchant uses?

To see how your merchant gets paid, while creating your next payment, look for the “How will ‘My merchant’ get paid?” link and hover over it, to reveal your merchant’s details.

We use two forms of payment to pay your merchants: ACH transfers and our virtual cards. The payment method is selected by the merchant.

See the below screenshot below detailing where to see this:

How fast does my merchant get paid?

If your merchant accepts our virtual card option, in most cases, your card is generated and sent promptly. If your merchant accepts payments via ACH transfers, payments are deposited into your merchant’s business bank account within one business day of a transaction being approved.

In some cases, transactions will be reviewed before approval, to ensure the merchant is an authorized seller and that you are an authorized buyer. However, these reviews usually take less than one business day, so payments to your merchant are not held up.

How do I view my payment history?

You can view your payment activity from your Behalf dashboard. Simply:

  • Log into your account.
  • Click on the “Payments” tab in the menu on the left.
  • View your list of both previous and current payments.
  • You can click on each payment and scroll down for detailed payment information.

The Behalf dashboard is printer-friendly! Feel free to print this information for your records. If you have further questions about the status of repayments, please reach out to Behalf’s Payments Team by emailing them at

Why is my transaction in review?

“In Review” status occurs if we need to verify information prior to approving a transaction. Common issues include typos in transaction details, previous payment related issues or incorrect bank account numbers. Our team will attempt to resolve the discrepancy and will reach out to you for any additional information required. Please note that while we may acknowledge a pending transaction with your merchant, we cannot share the details of your account with the merchant directly.

How do I cancel a payment request?

Usually you are able to cancel a payment before a payment has been approved or funded. To cancel a payment, please reach out to  

Please note, you will not be able to cancel payments once there is an authorization on your virtual card or once an ACH payment has been scheduled for deposit. If you need a payment cancelled once it has already been processed, you will need to either contact your merchant to remove the virtual card’s authorization or have your merchant issue us a direct refund.

Please keep in mind, if you submit payment to a merchant accepting ACH transfers – you will not be able to cancel the transaction once the payment has been scheduled.

Please see our FAQ “How do I request a refund?” for detailed instructions.

How do I change a payment request?

Once a payment request is submitted, we cannot make changes to the merchant name or payment amount. Any revisions to the merchant name or payment amount would have to be handled by canceling or refunding the initial payment request and creating a new payment request with the correct information.

Keep in mind, if your merchant is paid through an ACH payment method and the deposit has already been scheduled, your merchant will have to issue Behalf a refund in order for us to put the funds back into your account. Please see our FAQ “How do I request a refund?” for detailed instructions.

If you are looking to change your repayment schedule, you can do so by reaching out to

What are the benefits of paying with Behalf?

Behalf allows you to buy what you need to run your business today, and repay it with flexible terms and on a schedule that you set. There are no membership fees, no annual fees and a low transaction fee on your utilized funds. We can also help your business build credit, as we report monthly to Experian, Equifax and the Small Business Financial Exchange (SBFE), upon opening your Behalf account and completing your first payment.  Please note that all payments will be reported, therefore when payments are made on time, this can help build credit.

Are there limits to how much I can pay?

The minimum transaction amount is $300. You can request a payment up to the total financing amount for which your business is approved.

What if my transaction ends up being less than I requested?

If you made a payment via virtual card, any unused funds will automatically be credited back to your Behalf account once the payment is posted. Your financed balance only reflects the amount Behalf pays to the merchant.

If your merchant was paid via ACH transfer, and you and the merchant determine that the invoice amount or purchase amount was too high, you will have to contact your merchant to issue a refund. For adjustments or refunds, you must contact the merchant and request that a credit be processed through a direct refund to Behalf.

If you or your merchant needs further assistance with refunds, please reach out to our Payments Team at

How do I pay Behalf back?

Once your transaction is approved, we draws funds directly from your business bank account, according to the schedule you set. You can choose to pay monthly or weekly. Your spend capacity and assigned terms are based on your business’ credit qualification.

If you have questions about repayment, please contact us at

How long do payments take to become available in my account?

Behalf debits are conveniently drawn directly from your business bank account on the schedule you set. We utilize the ACH network, which has a standard processing time of 3 business days.

We make every effort to clear funds as quickly as possible. Check your “Available For Purchasing” on your account dashboard for an up-to-date view of which payments have posted and which may still be in process.

I have an account to pay with Behalf, but how do I accept payments from my customers?

In order to accept Behalf payments, you will have to sign up for a Behalf merchant account with an alternative email address. Please select “Accept Behalf” during the sign up process and follow the prompts.

As a B2B business, your customers will have to be businesses and will have to go through an application process.

How do you pay my merchants?

Merchants can accept one of two payment methods:

  1. Virtual Card
    • We generate a virtual credit card number for an approved transaction business customers can use to pay across the Visa or MasterCard network.
  2. ACH (Automated Clearing House) Transfer
    • We deposit funds directly into your approved merchant’s business bank account. Merchants must successfully complete the sign-up process to receive funds in their business bank account.

If your merchant is already signed up, you can see how your merchant has chosen to be paid by hovering over “How will my merchant get paid?” when submitting a payment request.

If your merchant is not signed up, please add their information by selecting “Add a new payee”. We will send your merchant an invitation, prompting them to choose their preferred payment method. Click here, for instructions on how to add a new merchant.

How do I create a payment?

Once you have determined your total order amount, follow the steps below:

  1. Sign into your account on
  2. Click “Create Payment” in the top right hand corner.
  3. You will need to provide the following payment details:
  • Who you want to pay
  • Payment amount
  • Order ID, invoice #, or purchase description
  1. Select your terms. Here are some things to consider:
  • What are your debit preferences?
  • Do you want to repay on a weekly or monthly schedule?
  1. Enter your business bank account details.
  2. Click “Submit Payment”.

Please note, you will need to have a verified bank added to your account in order to submit a payment.


Demo is not available on mobile

How do I request a refund?

If your merchant was paid via ACH:
After a payment is made to your merchant, we are unable to make any adjustments to the transaction amount. For adjustments or refunds, you must contact the merchant and request that a credit be processed through a direct refund to Behalf. If you or your merchant need further assistance, please reach out to our Payments Team at

If your merchant was paid via virtual card:
After a transaction is approved by the merchant, we are unable to make any adjustments to the transaction amount. For adjustments or refunds, you must contact the merchant and request that a credit be processed either as a credit to the virtual card or through a direct refund to Behalf.

Please keep in mind, once we have received and posted the refund, both the transaction balance and your available purchasing line will be adjusted in accordance with your terms and conditions. This may take up to 10 business days to be processed.

If you have any further questions regarding refunds, please reach out to our Payments Team at

Is there anything I can’t purchase with Behalf?

You can use your purchasing line to pay for most business related purchases. Your business can use the line to purchase inventory, manage payments for large business services, or manage cash flow on other merchant-provided expenses.

We cannot pay any existing debt, including credit card bills, bank loans, phone bills, travel expenses, educational expenses, rent, or employee payroll. Nor can you pay yourself or on behalf of anyone else. We cannot approve transactions that pay other financial institutions.

Can I pay off my balance early?

To pay early, email with the subject line “Pay Early – Order ID or Purchase Description”. Please include the name of your company, the amount you want to pay, and state your preferred payment method. Should you wish to pay with a credit card to expedite your early payment, fees may apply.

Please note, there are no prepayment penalties if you choose to pay off your balance early.

Accepting Behalf

How do I partner with Behalf?

We offer partnerships to merchants, so they can invite customers and request payments through Behalf. If you become a Behalf merchant partner, you will have the option to advertise our services on your company’s website.

Should you work with us directly, you can accept deposits by bank transfer. The Behalf standard agreement provides your qualifying customers with free Net 30 Terms and transaction fees vary from 1% to 3%.  We guarantee payment in one (1) business day, upon approval, and your customers have the option to extend payment on their terms.

While creating your Behalf account, you will have the option to select how we pay you, subject to approval.

Please note, to partner with us, your business is subject to meeting account opening criteria and meeting terms and conditions

If you are interested in partnering with us, reach out to

How do you pay my business?

We offer two forms of payment: virtual cards and ACH (Automated Clearing House) transfers. You will have the ability to choose your preferred payment method at the time of sign-up.

Virtual cards are given directly to your customer in a digital format and can usually be processed immediately. ACH transfers are deposited directly into your business bank account one (1) business day after a transaction’s approval.

How do I process Behalf’s virtual cards?

For your convenience, Behalf payments can be accepted over the Visa and MasterCard networks. We generate a single-use virtual card number, linked to your customer’s Behalf account, for you to process according to the standard merchant procedure. Because the virtual card can only be used once, it is a more secure way to pay.

Please keep in mind, not all merchants decide to offer virtual cards. Once payment is approved, a virtual card will be provided to the customer. This can be used and processed like any Visa or MasterCard number.

Behalf’s virtual cards can be used to checkout on your eCommerce site, or can be entered into your merchant processing system at physical stores. Simply input the card number, expiration date, and security code like any other direct-input credit card transaction.

What are the benefits of accepting Behalf?

Behalf is a payment method that simultaneously gives your business customers buying power to increase sales and eliminates your collections risk. We give your customers the ability to finance their payments. You get paid promptly, while we deal with the collections and risk associated with your customer’s transactions. This allows your customers to buy more, increasing your sales risk-free.

If you choose to partner with us, you will have the ability to invite your customers, request payments and advertise our financing services. In addition, you will receive access to a custom widget and e-commerce landing page, for a low processing fee.

Please see our FAQ titled How do I partner with Behalf?” to get started.

If I already have an account to accept Behalf, how do I also pay with Behalf?

In order to pay with Behalf, you will have to sign up with an alternate email address. Please select “Pay with Behalf” during the sign up process.

Your Behalf customer account is subject to approval and meeting underwriting criteria and terms and conditions. Please note, you cannot use Behalf to pay your own business, even if you have a merchant account with us. For more information about terms and conditions for our financial products, visit

How can I start accepting Behalf payments?

To accept Behalf, follow the instructions below:

1. Register for a Behalf merchant account here.
2. Click on “Accept Behalf” to complete account setup.
3. Complete the application and a member of our Account Management team will contact you with next steps.

Please note, if you’re already a Behalf customer, use a different email address to register as a merchant.

Why is my customer’s transaction in review?

While we cannot disclose your customer’s private information or account details, “In Review” status could occur if we need to clarify information prior to completing a transaction. Transactions may also be in review due to additional verifications, to ensure both you and your customer are authorized to complete the transaction. Again, because we cannot directly share the specific details of a pending transaction with anyone but the business customer, you may wish to contact your customer directly for this information.

We will attempt to resolve any issues or discrepancies and will reach out to the business customer if there’s any additional information required. Most transactions in review will be decisioned within one (1) business day.

Managing Your Account

How do I add or modify my business bank?

To change your business bank account information:

1. Log into your Behalf account.
2. On the left side of the screen click on “Profile”.
3. In the ‘Bank Accounts’ section click on “Add New Bank“.
4. Read the confirming statement that pops up and click the blue button that says “Add a Bank”.
5. Fill in the requested details and click on “Continue”.
6. You will see a message that confirms the new information.

Please note, you must add a U.S. business bank account.


Demo is not available on mobile

How do I change my new bank to primary?

Your primary bank account is set as the last approved bank account added to your Behalf portal. In order to change your primary bank account, you would have to add the desired account. It must be a business bank account.

To add a new bank account, please see our FAQ “How do I add or modify my business bank?”.

Why was my transaction declined?

We cannot always fund a payment request. Transaction approval is subject to meeting criteria and account terms and conditions. Please note that underwriting criteria is proprietary and confidential.

If your transaction is declined, your business will receive a decline notice explaining the reason(s) for the decision.

In general, we do not fund transactions to pay any existing debt (including credit card bills), bank loans, phone bills, travel expenses, educational expenses, rent, or payroll. Nor can you pay yourself or on behalf of anyone else. We cannot approve transactions to pay third party financial institutions.

Additionally, payment requests could also be declined due to previous payment related issues, an unverified bank account and misuse of our service.

Lastly, please keep in mind, at this time, we do not work with merchants or customers outside of the United States of America. To qualify, you must have a physical U.S. address and U.S. bank account.

How do I close my Behalf account?

If you wish to close your account with us, please reach out to our team at Please note, your account cannot be closed until your balance has been fully paid.

How do I sign into my Behalf account?

To sign into your Behalf account, please go to

We have two options for sign in. You can sign in by either entering your password* OR using the email verification option.

The email verification option allows Behalf to send you a single-use pin code via email, simplifying your Behalf sign in process. This method is secure and recommended.

Please note, if you have a current password and decide to use our email sign in option, your password will remain valid.

*The password option is only available if it was defined during the sign up process.

If I forgot my password or never created a password, how can I sign into my Behalf account?

If you cannot find or remember your password OR never created a password, please follow the below instructions to sign in using the email option.

  • Step 1: On the sign-in page provide your email and click Continue.
  • Step 2: Click on the email option then, click Continue.
  • Step 3: Check your inbox for an email from Behalf.
  • Step 4: Insert the pin code provided, into the Pin Code field, and click Next.
  • Note: If you are unable to sign in, please click the “Unable to Sign in” link to find out why.

If you continue having trouble signing into your Behalf account, please consider the following:

  • Please be sure that you have successfully signed up with Behalf. If not, please sign up or complete the signup process by going to and selecting your preference to “Get Financing” or “Offer Financing”.
  • Please ensure that you are using the correct email or email/password combination.
  • When using the email option to sign in, if you cannot find the email sent to you, please ensure you are using the correct email and check all email folders (spam, etc.).

If you forgot your Behalf email address or require further assistance, please reach out to

How can I change my password?

To change your current password, please follow the steps below:

  1. Sign into your Behalf account by clicking here.
  2. In the blue sidebar on the left, click on “Profile”.
  3. Click on the “Change Password” button.
  4. Enter your new password (if required, also enter your current password).
  5. Select “Change Password”.

How do I make changes to my account information?

1.Sign into your Behalf account.

2. Click on “Profile” in the navigation menu to easily edit your contact info, bank accounts, and account settings.

3. To edit account owner name, company name, SSN or date of birth, please contact

Changes to the business name or responsible party may require additional documentation such as proof of business registration.

Why do you need my online banking credentials?

For additional security, we require you to login to your business bank account to verify your ownership of the linked account. To verify this information, we use Yodlee, an industry leader in secure bank account verification. This prevents unauthorized account use and also confirms that we can access the linked account over the ACH network to automatically draw your scheduled repayments.

What is Auto-Pay?

Auto-pay is a service we offer to customers and merchants to eliminate the confirmation steps users go through when they create a payment. This service is particularly convenient for customers and merchants who have repeat transactions.

Once turned on, merchants are authorized to charge customers directly for payments without an approval or an initiation of a new payment request.  

To deactivate Auto-Pay, please visit your account profile settings.

  1. Log into your Behalf account.
  2. Click on “Profile” on the left side of your dashboard.
  3. Scroll down to the bottom of the page.
  4. You will see all of your auto-pay merchants.
  5. Click “Deactivate” on the merchant you wish to discontinue auto-paying.

When can I contact Behalf?

Customer Support is available Monday thru Friday 10am – 6pm EST. At anytime, feel free to email For your convenience, we have an answering service dedicated to relaying your inquiries to the support team. Please call and leave a message at (877) 943-9962.

If you have any questions regarding repayments, you can reach out to our Payments department at

Contact Us

Behalf Inc.
100 William St, Suite 1205
New York, NY 10038

(877) 943-9962
M-F 9am-5pm EST