FAQ’s ViaBill Shoppers
What is ViaBill?
ViaBill is a payment solution that empowers you to “Buy Now and Pay Later” in simple, interest-free installments. We break down the total cost of your purchase into four (4) smaller, interest-free, monthly payments.
How it works
When you use ViaBill at checkout, your order will be processed and shipped the same as it would using any other payment method.
At the time of checkout, you are charged for the first installment, which is a fraction of your total order amount. You will receive an email confirmation of your payment and the purchase will show, along with your installment payment, in your MyViaBill dashboard; you will see one entry for the full order (a positive number) and a second entry for your first installment (a negative number).
In the following three (3) months, you will be charged the remaining installments – your installment date is the same each month and we will email you ahead of time, so you won’t be surprised.
Will I be charged a fee?
No! ViaBill does not charge interest or mandatory fees.
Will this affect my credit score?
This will not affect your credit score. ViaBill does not perform hard pull credit checks or report to US credit report agencies.
How do I sign up?
You can sign up during the checkout process on any one of our merchants’ websites – simply choose ViaBill as your payment method.
For the initial sign up we just need your email, phone number, and a credit/debit card. It takes less than two minutes from start to finish!
How do I get approved?
In order to use ViaBill, you must:
o have a valid email address
o be 18 years old or older*
o have a valid, verifiable US mobile number
o use a US credit/debit card to make a purchase
o have sufficient funds to cover your first installment at the time purchase
*Residents of Alabama must be 19 years or older and residents who are wards of the state of Nebraska must be 19 years or older
Interest-free? How do you make money?
There’s no catch! ViaBill is completely interest-free for shoppers. Merchants pay us a fee, so you can Buy Now and Pay Later.
Why didn't I get approved?
Common reasons people don’t get approved are:
o Insufficient funds available on your credit or debit card at the time of purchase – make sure you have the funds necessary to cover the first installment at the time of checkout
o Using a prepaid card – we only accept valid credit and debit cards
o Order total is too high – when you first sign up, the credit limit is $300. If you are attempting to pay for a purchase that is larger than that, it will not be approved.
Why wasn’t I approved?
o While we strive to offer all applications a payment plan through ViaBill, we aren’t able to approve every order. If you aren’t approved, we notify you instantly – and then you can checkout as normal using a credit card or debit card, or whatever other payment methods the merchant supports.
o Our system assesses each order individually and takes into account multiple factors. The main factors are if you have enough funds available (we like to see at least 25% of the total price available) and the overall amount of the order you’re trying to place (lowering the amount can often help).
o We do understand that it can be frustrating to not have a clear limit, like with a credit card. However, our unique approval process is what helps allow us to have a system that is at no extra cost to you.
Is ViaBill secure?
o We believe security is critically important. That’s why ViaBill doesn’t hold your credit card information. Instead, it’s with one of the most secure companies in the world – Stripe. You can find their privacy and security policies here.
o You can also find our policies for keeping and protecting your data here.
o When do I make my first payment?
o Your first installment is charged at the time of checkout.
o The following installments will be automatically charged on the 26th of each month. To view your monthly payment amount, go to your dashboard in your MyViaBill account.