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.
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.
No! ViaBill does not charge interest or mandatory fees.
This will not affect your credit score. ViaBill does not perform hard pull credit checks or report to US credit report agencies.
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!
In order to use ViaBill, you must:
*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
There’s no catch! ViaBill is completely interest-free for shoppers. Merchants pay us a fee, so you can Buy Now and Pay Later.
Common reasons people don’t get approved are:
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.
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.
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.
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.
*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.
You can make an additional payment or pay your balance in full at any time by following these steps:
When you click confirm, your card/account on file will be immediately charged the specified amount.
Your first installment is charged at the time of checkout.
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.
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.
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.
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.
Orders are usually declined at checkout because of one of the following reasons
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!
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
Any inquiries about your order or shipping status should be directed to the merchant from whom you made your purchase.
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.