Shopper FAQ

What is FuturePay and why should I join?

FuturePay is a safe, simple, and convenient payment option that lets you purchase online with no credit cards. With FuturePay, you can buy now, pay later.

Are there any financing costs?

FuturePay makes online shopping fun and flexible, with simple, transparent fees. At the end of every billing period, you can pay off your balance in full, or make a minimum monthly payment and carry the rest of the balance a month longer. See full terms.

FuturePay makes shopping easier and also allows you to enjoy flexible payment options with no hidden fees.

How can I apply for FuturePay?

You can apply while making a purchase at participating online stores. To apply, you only need to enter your name, birthdate, address and the last 4 digits of your Social Security Number, along with a contact email address. Subject to credit approval, this process takes only seconds after which you can complete your purchase.

What makes FuturePay a faster and more convenient payment option?

Forget about entering tons of payment information and credit card numbers. With FuturePay, checkout is simple. Just enter your email and FuturePay password and you’re done!

With FuturePay you also don’t have to pay for your purchases immediately, instead pay for all of your purchases at the end of the month.

Who can apply to FuturePay?

Legal U.S. residents 18 years or older can apply. (Alabama and Nebraska residents must be at least 19 years old.)

Where can I review FuturePay's terms and conditions in full?

Our full Terms and Conditions can be read here. For additional questions and information, please contact Customer Support.

How do I access and update my FuturePay account?

After your application has been approved, you will receive a welcome email with your account information and a link to activate your account. Once received, click on the link to activate your account and complete your contact and banking information.

How do I edit my profile information?

Log into FuturePay and click on “Edit Account” to update your contact and banking information.

What if I forgot my password?

If you have forgotten your password, you can reset it at FuturePay.com. You will then receive an email guiding you through the steps to set up a new password.

Please note: after a password request has been made, you will not be able to make any purchases until you have successfully set a new password. To verify your identity, you will be asked to provide your date of birth and the last four digits of your SSN to reset your password.

How do I check out using FuturePay?

When you are ready to check out with a retailer offering FuturePay, simply select FuturePay as your payment method. Then enter your FuturePay username and password to complete your purchase.

Can I use FuturePay purchases over the phone or in a physical store?

No, FuturePay is currently for online shopping only.

How will I receive my statement?

All statements can be viewed when you log into your FuturePay account. When your monthly statement is ready, we will notify you by email. Every month your statement will include:

  • All new purchases made
  • Payments applied on your previous statement
  • Your billing Due Date
  • Minimum Payment Due
  • Any fees charged during the statement period

Please make sure you add FuturePay to your safe recipients email list, to ensure receipt.

Where can I view my recent purchases and statement?

To view any of your purchases, just log into FuturePay and click on “Activity.”

To view your current and previous statements, click on “Statements.”

When do I pay for my purchases?

Your statement will indicate your Due Date. You should make sure to pay at least your minimum due amount prior to the indicated Due Date.

How do I make a payment?

All balances can be paid online by bank transfer. Update your FuturePay account with your banking information for convenient and secure payments.

To make a payment, log into FuturePay and choose one of following options:

    • Pay off current balance in full at any time prior to the due date
    • Pay your minimum monthly due and carry over your tab for one month
    • Mail a payment to:
      FuturePay Inc.
      PO Box 17634
      Salt Lake City UT 84117

Are there late fees on overdue payments?

Yes. If your payment is not received by the indicated due date, you will be charged a $20 late fee.

How do I close my account?

Please contact Customer Support and request closure of your account.

How can I return a purchase?

Please contact the company you purchased the item from, for their return and refund policy. Please directly contact the company’s customer service.

What do I do in case of a statement error or an incorrect charge?

If you encounter a statement error, or an incorrect charge, please contact Customer Support and provide details of your account and nature of the dispute.

How is a refund applied to my account?

When a merchant issues a refund, your FuturePay account will be automatically credited. Should you experience a delay longer than 5 days after receiving merchant confirmation, please contact FuturePay Customer Support for assistance.

What can I do if my purchase is declined?

If your account is in good standing, please try to make the purchase again. For additional assistance, please contact Customer Support department.