ViaBill Support Center

Your resource for all things ViaBill. Don’t see what you need? Reach out to our support team for more help.

Getting to know ViaBill

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 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 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:

  • have a valid email address
  • be 18 years old or older*
  • have a valid, verifiable US mobile number
  • use a US credit/debit card to make a purchase
  • 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:

  • 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
  • Using a prepaid card – we only accept valid credit and debit cards
  • 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?

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.

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).

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?

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.

You can also find our policies for keeping and protecting your data here.

Where can I use ViaBill?

You can check out using ViaBill with any of the merchants we partner with. If you see the ViaBill pricetag next to a product or see the logo when you check out, you can pay for your order using ViaBill.

How to report a complaint about ViaBill’s product(s) or service

If you are unhappy with how a ViaBill product works, how we communicate, or how we provide service to you, please report this to our support team. We are constantly striving to improve and your feedback is important to us.

What is the estimated response time for ViaBill to answer questions?

We expect to answer any questions within 3 business days.
During system maintenance, you should expect a wait of up to 5 business days.

System maintenance can be annoying but is necessary to provide you with the best and most flexible payment solution.

You can contact us at

Account Updates

Change my password
  • Login to your MyViaBill
  • Click on your Profile
  • Click Change Password, enter your new password and confirm the new password
  • Click on Submit


Change my phone number
  • Login to your MyViaBill
  • Click on your Profile
  • Click on Change your phone number. Here you can edit your phone number, change it and enter the new one. 
  • Save
Change my email address
  • Login to your MyViaBill
  • Click on your Profile
  • Edit your email address to your preferred email address
Change my payment method
  • Login to your MyViaBill
  • Click on Cards
  • Add your new payment information
  • Click Submit*
  • Reach out to support to update the default to your new payment method

*ViaBill requires at least one payment method on file at all times. You will not be able to remove your old payment method until a new payment method has been added and verified. Reach out to support to update your default payment method once you have added new information.

View my orders and payments
  • Login to your MyViaBill
  • Click on Account to view your orders, payments, and balance
Connect my bank account
  • Login to your MyViaBill
  • On your Dashboard, click Connect your Bank Account
  • You will be prompted to use Plaid to select the bank you currently use and enter your login credentials for your bank account
  • When you’ve finished connecting your account through Plaid, your bank account will be connected with ViaBill


Payment and Billing

How do I pay off my balance?

You can make an additional payment or pay your balance in full at any time by following these steps:

  • Login to your MyViaBill using the email you signed up with and your secure password
  • Navigate to the Profile section and click Preferred Settlement
  • Enter the amount you would like to pay

When you click confirm, your card/account on file will be immediately charged the specified amount.


When do I make my first payment?

Your first installment is charged at the time of checkout. The following installments will be automatically charged on the last banking day of each month.

To view your monthly payment amount, go to your dashboard in your MyViaBill account.

How much credit do I have available?

Your current balance is displayed on your MyViaBill dashboard. To check your balance, login to your MyViaBill to see the amount of credit used and the amount you have left.

Managing Orders

What if I haven’t received confirmation of my purchase from the merchant?

If your order has been successfully processed, you should receive an email confirmation directly from the merchant from whom you made the purchase. If you have not received one, please contact the merchant about your order.


If the order was not successfully processed and you already made your first payment, ViaBill will refund the payment to your ViaBill account.

How do I report a complaint about a merchant?

If you are unhappy with the product or service level you have received from a merchant, please report this directly to the merchant. If the merchant is unresponsive and/or is not delivering a product or service according to their terms, please contact our support team to help you.

I have a ViaBill account and my order isn’t going through

Orders are usually declined at checkout because of one of the following reasons

  • Insufficient funds available on your credit/debit card at the time of purchase
  • The total order amount exceeds your ViaBill credit limit

You can pay down your credit card and/or ViaBill balance to resolve this. If you suspect you are being declined due to an error, please reach out to our support team so we can help determine the problem and help you!

Change, Cancel, or Return an Order

To change, cancel, return, or inquire about your order status, contact the merchant with whom you placed your order. If the requested change is possible according to the terms of the merchant, the merchant will let you know. ViaBill will make any necessary adjustments to your balance within 5-10 days of receiving notification from the merchant

How do I check my order status?

Any inquiries about your order or shipping status should be directed to the merchant from whom you made your purchase.

How do I get a refund?

Please contact the merchant where you made your purchase. The merchant will let you know whether a return is possible according to their return policy, as well as how much the refund will be.

When the return is complete, the merchant will let ViaBill know the refund is due and ViaBill will issue the refund to your ViaBill account. It typically takes 5-10 business days for the refund to process.

You will see your refund reflected as an increase in your available ViaBill balance.


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