Give your business customers seamless purchasing power

Behalf offers B2B financing solutions that enable on-demand business financing at the point of purchase for your business customers, without hassle or hidden fees. Behalf provides financing to ensure your business customers have access to financing from NET 30 to 180 days.*

Business customers can use Behalf wherever purchases are made:

  • Ecommerce
  • Managed Sales
  • Invoicing
  • +83 %

    AOV* (average order value)

  • -25 %

    Decline in cart abandons**

  • +44 %

    Growth in sales revenue***

Accelerate cash flow and power your business

  • Reduce Costs

    Save on credit card fees and payment processing

  • Faster Payout

    Processing begins same day or typically next business day for Virtual Card Approved Transactions*

  • Checkout Integration

    Customers never leave your site

  • Automated Reconciliation

    We customize to you

Transparent Merchant Cost

  • Offer Behalf’s NET 30*

    2% merchant fee
    No financing cost to customers for payments made on time

  • Offer Financing up to 180 days

    2% average merchant fee
    Customer pays monthly $1-$3 for every $100 spent*

  • No hidden merchant fees

  • No transaction volume restrictions for merchant

Merchant Experience

  • Onboard with Behalf
  • Select Merchant Payout Preference
  • Integrate Behalf into your eCommerce Platform
  • Utilize Pre-Approved Marketing Assets to promote Behalf

Business Customer Experience

  • Enroll with Behalf
  • Set Preferred Financing Details
  • Apply for Financing and Place an Order

If you Accept VISA, you can Accept Behalf

  • Virtual Card payments happen like any other approved credit card transaction. You’ll save on additional processing fees and your customers transact seamlessly anywhere, anytime.
  • Don’t accept credit cards? Behalf also offers an ACH transfer method for payout.

Product-Level Marketing

  • Show customers how extended financing impacts total product price
  • Mimic the consumer experience of BNPL on your own site
  • Powerful decision support on product pages, in shopping carts and at checkout

Used by Leading Merchants

Sharing Knowledge to Power SMBs

Partnering with Behalf brings more than business financing to the table. Our full-service marketing department creates content to help educate and inform our business customers — and we offer that content to our Merchant Partners to use however you see fit. Check out our blog to see if any of the content or information would appeal to your customers. Let us know and we’ll help you use that content for your own blogs, for social posts, for educational emails, etc.

*Subject to underwriting approval. Terms and Conditions subject to change without notice. See Simple Financing Examples. Each Financing Offer is made post enrollment with Behalf with each approved application for financing or transaction request. Enrollment into the Behalf Customer Portal (internet online account registration) is subject to Behalf eligibility checks of the business entity customer and responsible party connected to the business.  Businesses are assigned a Purchasing Limit, and preliminary information is presented on potential options regarding business financing, including information on potential financing period, and the anticipated estimated monthly financing cost at the time of enrollment with Behalf. The Purchasing Limit is not a line of credit but rather the total dollar amount of financing applications accepted at transaction. The financing details of the Financing Offer are confirmed when the enrolled Behalf customer applies for financing through a transaction request. 


83% life in AOV* (average order value)
25% decline in cart abandons**
44% growth in sales revenue***


*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 national electronics distributor saw shopping cart abandonment drop by approximately 25% for first time customers in October 2015.

***A national 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.

Extended Financing options include an estimated 30-180 days of commercial purpose financing.  Monthly cost may vary based upon financing product and amount financed.  See Legal Disclosures for further details.   


Behalf’s NET option is an alternative financing method offered through Select Merchants and allows the Business Customer to pay no financing fees if the Order Request is satisfied in full and in accordance with terms and conditions within 30 days. Estimated Monthly Debit(s) as listed in the portal under the Transaction Summary will set forth the estimated timing (the “Debit Schedule”) and amount (the “Debit Amount”) of the expected debits of the Total Outstandings and the amount of the Order Payment. 


The Virtual Card is not a credit card but a merchant payout vehicle whereby Behalf is the cardholder of the VISA card issued through Regions Bank and processor Stripe, Inc.; Behalf customers are assigned a number for checkout, as authorized users, for approved transactions to facilitate the processing of the financing proceeds directly to the merchant. Transactions must be individually underwritten and approved before each Virtual Card use. Standard credit card processing fees may apply. Business hours are Monday to Friday 9 a.m. EST to 6 p.m. EST excluding federally observed holidays. Processing time subject to Cut-off times, Monday to Friday 9 a.m. EST to 5 p.m. EST.  Delays may occur, e.g., when more information required.


Visit to review our comprehensive program terms, conditions and disclosures. Questions should be directed to 1-(877) 943-9962.


All Merchant Cash Advances are made by Behalf.  

All business loans are made by FinWise Bank, a Utah-chartered bank located in Murray, Utah, member FDIC, Equal Opportunity Lender.  For more information on ECOA CLICK HERE. For more information about opening a new account, review USA Patriot Act HERE.  For more information on the Loan Program CLICK HERE.