Buy Now, Pay Later: Offering Flex Pay (formerly Uplift) as an additional payment method with Checkfront Payments

Allow your Customers to buy now and pay later using the Flex Pay (formerly Uplift) additional payment method through Checkfront Payments.

Accessing the features mentioned in this article

Where can I find this feature using the top menu?

• Manage > Ecommerce Setup > Payment tab > Checkfront Payments > Additional Payment Methods
   

What more do I need to use this feature?

• Account eligibility
  • Flex Pay is currently available only to Canadian and US accounts.
  • You must have Checkfront Payments as your Payment Provider (on a supported plan).
  • Your merchant account must use one of the supported Merchant Category Codes. Learn more below.
• User access
  • You require Admin permissions to manage payments.
• Booking criteria
  • Flex Pay is only available as a payment option for bookings exceeding $150 USD or $300 CAD.
  • Financing through Flex Pay is not available for bookings made on the same day as the booking start date.
  • For accounts that have deposits enabled, Flex Pay only appears if the Customer chooses to pay the full amount instead of the deposit for their booking.
  • Gift certificates are currently not compatible with Flex Pay.

Reach out to Customer Support to get started Please reach out to Customer Support today to get started! We can help you identify your Merchant Category and determine if you are eligible to use the Flex Pay integration. Once approved, we can enable the feature within your account.

"Feel good about what you buy and how you pay for it with Flex Pay. Simple, no-surprise payments let you buy now and pay later. With Flex Pay, you can make thoughtful purchases now and pay over time in bite-sized installments." ~ Flex Pay

Buy Now, Pay Later, powered by Flex Pay, allows Customers to purchase your offering and pay in monthly, interest-free installments. Flex Pay is an additional payment method, similar to Apple Pay and Google Pay.

Why choose to offer Buy Now, Pay Later powered by Flex Pay?

• Your Customers can buy now and repay their loan to Flex Pay in monthly installments.
• You get the full payment immediately if a Customer pays with Flex Pay. 
• Flex Pay services and manages the loan. You are not involved with the loan, payment terms, or loan payments.

Learn more For a detailed look at activating Checkfront Payments, check out the following article: Setting up Checkfront Payments as your payment provider

The system enables Flex Pay (formerly Uplift) by default for eligible accounts with Checkfront Payments. To access the setting, follow these steps.

1. From the Manage menu at the top of the page, select Ecommerce Setup.
2. Click on Checkfront Payments to open the setup modal.
3. The system automatically selects Flex Pay as the default option under the Additional Payment Methods setting.

To disable Flex Pay, click the remove icon (x) next to the Flex Pay label and then click Update to save your changes.

Flex Pay only displays as a payment option if the Customer pays the full amount of the invoice. 

Please follow these steps to make sure that you have set your deposit settings to charge the full amount.

1. Go to Ecommerce Setup (Manage > Ecommerce Setup).

Under Customer Deposit Settings, select the Charge customer full amount at time of booking setting.

1. Click Save to apply your changes.

Customer payment in full With the option to Allow customer to optionally pay the full balance or deposit configured, Flex Pay only displays once your Customer chooses to pay in full. We recommend you disable this setting to ensure that Flex Pay is displayed prominently.

Learn more For a detailed look at configuring Ecommerce settings, check out the following article: Configuring ecommerce settings for payment providers

You can follow these steps to pay with Flex Pay from the Customer Booking pages.

1. Create your Checkfront booking.
2. Choose to pay in full with Flex Pay.
3. Provide your Mobile Number, Date of Birth, and Social Security Number (if you are a US resident) within the Flex Pay pop-up modal.
4. Click Let's Get Started to submit the information and begin the application process.
5. Enter the verification code sent to your phone by SMS when prompted.
6. Review the Flex Pay offers presented.
7. Select an offer.
8. Read and agree to the loan and payment term agreements.
9. Choose to complete the booking.

The booking is then paid in full to the Operator by Flex Pay. The Customer then makes monthly installments to Flex Pay until the loan is paid off.

Manage and get loan support Your Customers can manage and get loan support through the Flex Pay Borrower Portal. Answers to Customers' questions can be found here: Frequently asked questions

Customers outside of the United States and Canada are declined Flex Pay auto-declines Customers outside of the United States and Canada, as they can only do loans in those countries.

You can report on transactions paid using Flex Pay and Checkfront Payments via the Transaction report.

Learn more For a detailed look at the Transactions report, check out the following article: Reporting on transactions

You can find the Checkfront Payments transaction associated with a booking via the Transactions tab of the Booking Invoice. 

Learn more For a detailed look at the Transactions tab, check out the following article: Viewing transaction details from booking invoices

The system logs Flex Pay payment events within the Log tab of the Booking Invoice and the Activity report.

Learn more For a detailed look at the booking and account activity logs, check out the following articles: Viewing booking logs from booking invoices Reporting on account activity

Refunds work as they do today. You are paid in full and can refund any part of that payment. Full and partial refunds are supported.

1. When a Customer requests a refund, you need to process the refund through Checkfront. That amount automatically goes back to Flex Pay.
2. Flex Pay credits the Customer’s loan account accordingly within ten days.
3. The system lists the refund transaction as a Flex Pay-related refund.

Communicate refund timeline It's important to communicate refund timeline expectations with your Customers.

Learn more For a detailed look at refunding payments, check out the following article: Refunding payments from booking invoices

A Merchant Category Code (MCC) is a four-digit number used to classify a business by the types of goods or services it provides. The system sets the MCC when you create your merchant account based on the information you provide during payment provider onboarding.

You can find your MCC within the Checkfront Payments modal (Manage > Ecommerce Setup > Payments > Checkfront Payments) beside the integration Status label. You can hover over the name of your account to view your MCC with a description.

The following is a list of MCCs supported by the Flex Pay integration through Checkfront Payments.

Cruise Reservations

Event Tickets

Hotel Reservations

Rentals

US Disclosure: Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $150 USD purchase required. Not everyone is eligible. Loans made through Flex Pay are offered by these lending partners: flexpay.com/lenders. Privacy Policy. Terms of Use. Flex Pay's Address: 440 N. Wolfe Road, Sunnyvale, CA 94085
 

CA Disclosure: Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 14.99%-34.99%. On occasion, promotional financing may be available starting at 0% APR. Minimum $100 purchase required. Not everyone is eligible. Applicants are subject to approval by Uplift Canada Services ULC, a subsidiary of Upgrade, Inc. Privacy Policy. Terms of Use. 410 Adelaide Street West, Suite 220, Toronto, Ontario M5V 1S8.

• How do I get started with Flex Pay?

  Please reach out to Customer Support today to get started! We can help you identify your Merchant Category and determine if you are eligible to use the Flex Pay integration. Once approved, we can enable the feature within your account.
   

• How do I get paid?

  You receive the full payment immediately if a Customer pays with Flex Pay. 
   

• Are there fees associated with Flex Pay?

  No, the Operator does not incur additional fees for using Flex Pay.
   

• Do I have to sign an agreement/contract with Flex Pay?

  You do not have to sign a contract with Flex Pay. However, to access the additional payment method, you must use Checkfront Payments as your payment processor. Checkfront Payments requires that you sign an agreement.
   

• Can Customers pay partially with a Gift Certificate and Flex Pay?

  You can only use Flex Pay for full payments at this time. Gift certificates are not supported currently.
   

• Who are Flex Pay's lending partners?

  Flex Pay's list of lending partners is on their website.
   

• Flex Pay is not displaying on our bookings. What am I missing?

  Ensure that the booking meets the purchase amount prerequisites and that browser ad blockers are disabled.

  • Turning off the ad blocker in Chrome
  • Allow or block pop-ups on Safari on a Mac
     

• Where can I find the Checkfront Terms of Service?

  You can find our Terms of Service here, including our Master Terms of Service and Payment Partners Terms of Service.