A customer selects Bill Me Later during the checkout process at your site, similar to selecting the option to pay via Visa or MasterCard. If it is the first time a customer has used Bill Me Later, the terms and conditions are presented and a request is made for date of birth and the last 4 digits of the Social Security Number. On subsequent purchases, the customer simply chooses Bill Me Later and checkout continues as usual. In rare circumstances, additional verification steps are applied.
After the customer agrees to the terms, checkout continues as usual and the order & customer information are transferred to CyberSource.
CyberSource processes the information through Bill Me Later and a real-time credit decision is made.
The customer's order is confirmed or denied within 3-5 seconds of submission.
After a customer completes their first purchase:
- A welcome email is sent by Bill Me Later. This email contains a secure link for login to the self-service website, as well as a user ID for the customer.
- The customer receives a bill (sent by Bill Me Later, Inc.) in their mailbox typically within fifteen days of the settlement posting to the customer's account. The due date for this bill is 25 days from the date the bill is rendered.
- You submit the transaction for settlement upon shipment of goods or rendering the service—just as you do with a credit card purchase.
