3, 6, or 12 Month “In-House” Customer Financing Program with “ADVANCE FUNDING” has become the single most exciting and fastest growing service that we have had the pleasure to roll out! Never before has a CHECK-based financing program offered you the opportunity to be paid UPFRONT!

Plus, as always we provide Full Guarantee! As well as using the POS terminal and Check Imager to process these electronically.

We are thoroughly convinced that the “In-House” Customer Financing Program will generate More Sales for you!

Safguard SPS "PayDay" Express Plus:
  • Offers “consumer’ financing options of 3, 6, and 12 months.

  • Requires only a single voice authorization call to obtain approval (5 minute average) and then, subsequent to approval, electronic entry into the POS device/imager.

  • Requires only a single check for the down payment allowing for us to initiate electronic ACH debits for the remainder of the items based on the term selected.

  • Provides for a “guarantee” against dishonor of the down payment check or subsequent electronic debits.

  • Offers the merchant the capability to select during each transaction from any of three financing term options (3, 6, or 12 months), or in the alternative to hide such multiple options from the terminal display for those merchants who only opt to have one financing term option available.

  • Includes a Payday Consumer Security Agreement (“PDSA”) executed between the merchant and consumer agreeing upon the terms that reflects the down payment check amount, the number of recurring debits based on the term selected, and the amount of each subsequent debit. A sample PDF is attached for reference though a two-part, MICR encoded form provided by SAFEGUARD SPS is actually used for scanning during a transaction.

  • Has an initial payment (the “down payment” check) that is not less than 25% of the total with the balance being split and debited evenly over 3, 6, or 12 months depending on the term selected (i.e. 25% down plus either 3, 6, or 12 debits for the balance due in approximate 30 day increments from the transaction date).

  • Provides for an easily understood, printed terminal receipt to show
    1. The entire deal amount
    2. The amount of the 1st check, the check #, and $ amount
    3. The # of remaining recurring electronic debits
    4. The amount of each electronic debit as well as a Grand Total

Safeguard SPS “PayDay” Express Plus is not intended to replace or compete with your existing traditional finance plans.

Safeguard SPS “PayDay” Express is a perfect alternative for those individuals that will not qualify for regular financing.


Anything to do with Car Repair / Maintenance, examples:
  • Auto repair
  • Transmission repair
  • Auto Body
  • Brakes
  • Tires
  • Turn ups
  • And anything else that is associated with the car
    including New Car Dealers

Anything to do with the Home, examples:
  • Appliances
  • Furniture
  • Carpeting / Flooring / Tile
  • Kitchen and Bath
  • Plumbing / Heating / Air
  • Roofing / Painting / Landscaping
  • Home exercise equipment
  • And anything else associated with a homeowner

Anything associated with an Emergency Situation, examples of which include:
  • Medical: Doctors / Dentists / Veterinarians
  • Funeral Homes
  • And anything else associated with an emergency situation

Click here to Enroll with SAFEGUARD SPS “PayDay” Express Plus today