Customer Support

We try to make the shopping experience easier for you. If something went not as expected, give a look to our advice. Maybe the answer to your question is already there.

How soon do I have to pay the invoice?

The payment has to be made as soon as you receive the invoice.

To which bank account do I pay the invoice amount?

The bank account is stated in your invoice. When you do the bank transfer provide the payment reference as well.

Can I pay by other methods different than a bank transfer (e.g. Paypal, Skrill, Visa, Diners' card, cash, etc.)?

Due to organisational and legal reasons, we can only accept payments to the account indicated on your invoice. The payments can be done via bank transfer/netbanking.

I can’t pay the invoice immediately. Can I delay the payment?

The payment has to be made as soon as you receive the invoice. However, if you need assistance concerning the payment, send a request to info.paylater@paysafe.com and we will provide you with all the necessary information.

I've already paid for the items. Why do I still receive reminders/ warnings?

We are dependent on third parties handling orders, deliveries and returns. In individual cases, there might be an overlap between their processing and our reminders being sent. If you have already transferred the invoice amount, disregard the notice and excuse us for any inconvenience caused.

I have already paid for the items and then sent them back to the merchant. How do I get my money back?

The money will be transferred automatically back into your bank account. The transfer will be done as soon as the merchant has acknowledged the return. Have in mind eventual dealer's provisions in relation to returns.

I’ve transferred the money directly to the merchant. What happens now?

Then it is necessary that you contact us. We will solve the issue quickly in cooperation with the merchant. There is no need to do the bank transfer again.

How can I return the ordered goods?

For questions concerning returns contact your merchant directly. He/She will be able to help you returning your order.

I've already returned the items to the merchant. Why do I receive payment reminders/warnings?

We are dependent on third parties handling orders, deliveries and returns. In individual cases, there might be an overlap between their processing and our reminders being sent. If you have already returned the goods, disregard the notice and excuse us for any inconvenience caused.

I haven’t received (all) my goods, but I have received an invoice/payment reminder. How do I get my items?

It is necessary that you contact the merchant immediately in order to clarify what is happening with your items.

I sent back some of the items. Will I receive a new invoice with a new total?

It is necessary that you contact the merchant from whom you made the purchase. For the ordered goods you are keeping, you can still make the transfer by deducting the amount for the items returned from the total amount on the invoice and paying the rest.

I have not received the invoice. Can you send me a copy of it?

It is necessary that you contact the merchant from whom you made the purchase. We can also let the merchant know if you send a request to info.paylater@paysafe.com.

I have not received any reminders but the last one. How is that possible?

The reminders are forwarded to the email address you provided your merchant with. Please check your inbox and eventually the Spam folder, as some filters wrongfull classify our reminders as spam. You can also send a request to info.paylater@paysafe.com and we will provide you with all the necessary information.

I have not received the invoice, but I already have the goods. Do I need to pay?

Yes. It is also necessary that you contact the merchant from whom you made the purchase for further information about your invoice. We can also let the merchant know if you send a request to info.paylater@paysafe.com.

I have received a payment reminder but no invoice. Why?

We are processing the payments on behalf of our partner banks and merchants. The invoice is sent from the merchant himself. However, if you have not received the invoice, it is necessary that you contact the merchant. We can also let the merchant know if you send a request to info.paylater@paysafe.com.

Why did I receive a payment reminder from payolution?

We are an external specialist in payment by invoice and payment in installments. We are processing the payments on behalf of our partner banks and merchants. That is why you received the payment reminder from us.

Why is the account not in the merchant's name?

The merchant is working with us as an external specialist in invoice purchase and purchase in instalments. A special bank account has been set up to allow invoice purchases to be dealt with quickly and smoothly. The recipient account is held in the name of our partner bank.

Who is Paysafe Pay Later™?

Paysafe Pay Later™ is a leading European payment service provider for pay later solutions. We enable you to purchase goods and services and pay for them over a set period of months, making them more affordable and easier to budget for.

How do Paysafe Pay Later™ products work?

Paysafe Pay Later™ offers installment loans which allow you to pay for your purchase in equal payments with terms from 3-24 months. This makes purchasing products and services convenient, affordable and easy to budget for. Each payment can be automatically deducted from your bank account through an electronic transaction so you do not have to worry about missing a payment. Your customer account, which is password protected, provides full visibility of your payment plan and stores your relevant documents:
https://customer.payolution.com/en/customer/consumerportal/login

Who is Cross River Bank and how is it related to Paysafe Pay Later™?

All loans through Paysafe Pay Later™ are made by our trusted bank partner Cross River Bank, a New Jersey chartered bank, Member FDIC.

Is there a credit line with Paysafe Pay Later™?

With Paysafe Pay Later™ we offer you the ability to purchase goods or services at the point of sale. This is a closed-end term installment loan and NOT a revolving credit account. Therefore, if Paysafe Pay Later™ is offered at the point of sale, you will apply for a specific dollar amount to complete that particular purchase.

Does Paysafe Pay Later™ perform a credit check?

Yes, but only once you have finally decided on taking an installment loan. Initially Paysafe Pay Later™ only performs a 'soft' credit check to see if you are eligible for an installment loan. This “soft” credit check does not impact your credit score. If you accept the terms of the loan a ‘hard’ credit check is used to set-up the account.

Do I need collateral to take out a loan?

Paysafe Pay Later™ Installment loans are unsecured loans for the purchase of goods or services at the point of sale.

How long does it take to fill out an application and find out if the loan was approved?

It typically takes just a few minutes to fill out the application and find out if your loan was approved, including a real-time credit-check.

What information do I need to complete the application?

Our application is easy and fast to complete. You will need to provide data such as: your full name and address, date of birth, e-mail address, mobile phone number, social security number, and gross monthly income.

How do I pay my monthly payments?

You should have received a link via email to the login screen of the Paysafe Pay Later™ consumer portal. On the login screen, use the 12 digit payment reference number formatted as XXXX-XXXX-XXXX as the login, and use the date of birth you entered in your loan application as the password. On the consumer portal you can provide bank details and see your schedule of payments. If you have not yet done this, please click here to do so. To avoid late fees, we recommend setting up your account to automatically make recurring monthly payments via the ACH network. Or if you prefer, you can schedule one-time ACH payments every month. You will receive regular reminders of pending payment due dates from us via email, but please track this as well, as these reminders can get lost in spam filters. Also, please ensure that your payment account has sufficient available funds on the payment date to avoid additional fees.

Is there a set-up or application fee?

No, Paysafe Pay Later™ does not charge any set-up or application fees.

Do I need a bank account to apply and be approved for an installment loan?

Yes, to apply for a Paysafe Pay Later™ loan you will need a bank account.

Do I need a driver’s license to apply for an installment loan?

To apply for Paysafe Pay Later™ installment loans, a US Government issued identification is sufficient.

Why do customers need a form of ID when applying for an installment loan?

To verify the provided personal information, identification will be checked during the application process.

Is there a minimum age to apply for an installment loan?

Yes, to benefit from Paysafe Pay Later™ products, applicants must either be 18 years old or the legal age in the State in which reside.

How do I find my Paysafe Pay Later™ payment reference?

Log into the Paysafe Pay Later™ customer portal at:
https://customer.payolution.com/en/customer/consumerportal/login

Is there a physical card attached to the account?

No there is not a physical card associated with the account since this is an installment loan specifically tied to a service or product purchase.

How much will my monthly payments be if I take out a Paysafe Pay Later™ Installment loan?

You can use our installment calculator to calculate various payment plans and interest rates. When completing the application, you will only be shown the payment plans you are eligible for.

What is the annual percentage rate (APR) for my loan?

This is detailed on your payment plan which you can access with your payment reference number through https://customer.payolution.com/en/customer/consumerportal/login.

When is my due date and amount due?

You can check your payment due date and the amount on your payment plan through the Paysafe Pay Later™ consumer portal by clicking
https://customer.payolution.com/en/customer/consumerportal/login

How do I know how much is still outstanding on my no interest promotional rate purchase?

You can check your individual payment plan through the Paysafe Pay Later™ consumer portal by clicking https://customer.payolution.com/en/customer/consumerportal/login

How do I view my statement?

Your statement is part of your payment plan and can be found on our the Paysafe Pay Later™ consumer portal under by clicking
https://customer.payolution.com/en/customer/consumerportal/login

What happens if I miss a payment?

To avoid missing your payment date, Paysafe Pay Later™ encourages all customers to set up their electronic payments as soon as possible. If, however, your payment is missed or received after the due date, you will be charged a late fee of $15.00. If there are insufficient available funds in your account or for some other reason your payment is returned, you also will be charged a fee of $20.00.

What if my application was declined by Paysafe Pay Later™?

If your application was declined by Paysafe Pay Later&trade you will receive an email explaining why your application has been declined.

Is all my information kept private and confidential?

Absolutely. Paysafe Pay Later&trade ensures all your personal information is securely stored and kept confidential. Please see our privacy policy for more details at https://gateway.payolution.com/mpos/infoport/ppl-privacy-policy

What is the difference between the interest rate and the APR?

Interest rate refers to the annual cost of a loan to a borrower and is expressed as a percentage. APR is the annual cost of a loan to a borrower, including fees. Like an interest rate, the APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees such as application fees, prepayment fees, and other charges that lenders may charge as part of a transaction.

How does Paysafe Pay Later™ treat refunds?

If you make a partial return or get a partial refund from the merchant, this will be applied directly to the principal of your loan and reduce the number of payments you must pay and / or the amount of your final payment. Your monthly payment amount will be unchanged.

How does Paysafe Pay Later™ treat prepayments?

Paysafe Pay Later™ does not charge prepayment fees. All prepayments received are immediately applied directly to the principal of your loan to save you money in interest. To give you additional financial flexibility after a prepayment, Paysafe will reduce the amount of your next month’s required payment, or even allow you to skip payments based on the size of the prepayment relative to your payment amount. But there is no requirement that you skip payments just because no monthly payment is due, and Paysafe Pay Later™ will be happy to accept payments on your account at any time.