Pay-Over-Time for Home Improvement Businesses
Give homeowners a clear way to say yes to bigger projects — without your team getting stuck in financing conversations at the quote stage.
Close more estimates without discounting the job.
- ✓Sized for remodels, installs, and bundled project quotes
- ✓Shareable payment links for in-home estimates
- ✓Transparent terms customers can review before they commit
Save on time, fees, and headaches
Lower fees on project revenue
Meaningfully lower processing costs compared to typical online BNPL merchant fees. Keep more of every completed sale.
Instant funding, zero headaches
Get paid when a plan is accepted. No chasing customers. No clunky systems or lengthy applications.
Encrypted, secure transactions
Payments are protected with industry-grade encryption — so your customers can check out with confidence.
Bigger-ticket plans available
Flexible plans that fit kitchens, baths, roofing, and multi-phase jobs — so customers can move forward today.
No website or cart needed
Build a PayBreak catalog instead — share pay links by email or text, or let customers scan a QR code to check out. No e-commerce site required.
Dedicated US-based support
Real humans, fast resolutions. Our team is here for you — onboarding, payouts, and day-to-day merchant questions.
PayBreak saves merchants nearly 50%
PayBreak compared to Klarna and Affirm on base rate, fees, and effective cost.
| Feature |  |  | PayBreak |
|---|---|---|---|
| Base rate | 5.99% | 5.99% | 4.49% |
| Per transaction fee | $0.30 | $0.30 | $0.10 |
| Processing fees | ~2.9% | ~2.9% | Included (all-in) |
| All-in effective rate (on $1,000) | 8.92% | 8.92% | 4.50% |
| Cost on $1,000 sale | $89.20 | $89.20 | $45.00 |
| PayBreak savings vs competitors | Save 49.6% with PayBreakVS Klarna $44.20 per $1,000 | Save 49.6% with PayBreakVS Affirm $44.20 per $1,000 | Lowest cost. All-in pricing. |
Illustrative pricing for demonstration only. Figures represent average standard merchant rates. Actual rates vary by merchant, transaction size, industry, and underwriting. Klarna and Affirm are trademarks of their respective owners. PayBreak is not affiliated with, endorsed by, or sponsored by Klarna or Affirm. This comparison is provided for informational purposes only.
Ready to help more homeowners say yes?
Join our first wave of merchant partners. No monthly fees, no long-term commitment — just flexible pay-over-time that fits how you sell.
Apply for early access