How is The HELPcard® different from other finance companies?
The HELPcard® proactively searches for ways to approve your customers – both those with great credit and those with less than perfect credit. Since we have decades of experience tailoring programs based on the needs of our merchants, you do not have to change your processes to use our program. We will give you a program that fits in your already-developed setting.
I already accept major credit cards. Why do I need The HELPcard®?
Major credit cards are a wonderful way to grow your business, and we strongly believe that you should continue to provide your consumers the option of using such cards. However, there are many opportunities that you cannot take advantage of using existing programs provided through major credit cards. The HELPcard® can be tailored to fit the needs of your business. Examples of customizations include promotional plans such as deferred or reduced interest.
Am I responsible for the charges I submit if the consumer doesn’t make their payment?
No. Your program with The HELPcard® is non-recourse to you regardless of consumer credit worthiness. Any issues that are strictly related to payment will not be your responsibility.
What are the merchant fees?
Because The HELPcard® offers different programs designed to meet the specific needs of our merchants, discount rates vary. Please contact us at (877) 834-0550 to find out more.