• Perpay Inc.

Perpay Inc.

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Overview

Perpay Inc. has a rating of 4.1 stars from 661 reviews, indicating that most customers are generally satisfied with their purchases. Reviewers satisfied with Perpay Inc. most frequently mention customer service, credit card, and direct deposit. Perpay Inc. ranks 9th among Discount Shopping sites.

  • Quality
    440

Proactively asks for customer feedback

This company responds to reviews on average within 5 days

Positive reviews (last 12 months): 83.3%
Positive
390
Neutral
20
Negative
58
84
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How would you rate Perpay Inc.?
Top Positive Review

“Dylan”

Laquita G.
9/7/24

Best customer service I have ever experienced. He was so patient and understanding. He went out of his way to help get my problem resolved. If we had more people like him transactions online would be more enjoyable. Thank you for being awesome.

Top Critical Review

“Smh”

Melissa B.
9/23/24

I had a better review for you guys, but you guys messed it all up. I updated all my information and you guys still manage to mess it up now I have to wait two more weeks in order to get what I need at this point I don't even want it anymore.

Reviews (661)

Rating

Timeframe

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Reviews that mention popular keywords

customer service (99) credit score (29) credit card (54)
Thumbnail of user wendym712
California
1 review
4 helpful votes
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May 1st, 2021

So super mad right now I ordered an x box and got AirPods. How can such a mistake be made. No w I have to wait till Monday to get a response super super unhappy. If I don't get a response Monday I will be reporting to BBB

Thumbnail of user kasieb4
Arkansas
1 review
0 helpful votes
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November 18th, 2022

Got an email saying I qualified for 1k loan so I went on there and saw what they had and the prices are 3x/6x higher than what they are anywhere else. It is NOT worth it. Theres barely any products for sale and what is there, is waaaaay more than the actual cost. If the prices on the items were 20$ more than the actual price, I would consider using it...however, the prices on electronics are at least 200$ more that buying them from the store flat out. I would NEVER make 4 payments of 19$ for a basic plastic 10$ baby doll‍‍ yall KNOW yall need to stop

Tip for consumers:
Dont waste your money...cheap items for rich people prices. Items are at least 100$ more than the actual cost. Do yourself a favor and buy it from the store.

Products used:
None...not worth it at all

Value
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Kasie, we appreciate your feedback! Our prices for most items are generally comparable, but they may be higher than a retail store as we provide a unique shopping experience, offering top quality products with the convenience of paying over time and building your credit.

While there is a small convenience factor, we do not charge interest on purchases and ship the order after one payment!

As a financial platform, we encourage our customers to choose the purchasing option that is comfortable for their own financial situation.

Thumbnail of user kandidk
Georgia
1 review
1 helpful vote
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August 5th, 2022

They said that my items would be shipped 3-5 business days after 1st payment. I'm on my 3rd and its still saying the same thing. I reached out via chat and have yet to receive a response.

Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Kandid K., I'm sorry to hear there's a delay with your shipment. Please reach out to our team at hello@perpay.com and reference this review so we can look into this for you immediately.

Thumbnail of user jessicag526
California
1 review
1 helpful vote
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December 6th, 2019

I have never had any issues with PerPay which I have been using for almost a year. I've made large orders and paid them off my limit is higher as well!

Thumbnail of user anthonyb926
North Carolina
1 review
4 helpful votes
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October 23rd, 2020

I have been a customer of perpay for 2-3yrs, i had no issue until recently when they dropped my limit from 2800 to 800 because they said my paychecks decreased, i told them that was due to covid, mind you i was only late once since covid and hrs got cut. They did not take that into consideraton, very dissapointed

Thumbnail of user heatherk442
Minnesota
1 review
3 helpful votes
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September 18th, 2020

Going on 3 years as a customer. They are prompt and take care of any issues in a timely manner I have had 13 purchases with them and only 1 issue and they took good care of me. Highly recommend.

Thumbnail of user destinyw84
California
1 review
2 helpful votes
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November 25th, 2022

Update* still have yet to speak with me, & still haven't taken the money. This is hurting you guys more than me, trust me. I have my proof to show I pay my stuff, & that no one responds

Service
Value
Shipping
Quality
Thumbnail of user jamesm7461
Texas
1 review
0 helpful votes
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September 14th, 2022

Don't buy from perpay. I pay almost $200 n it pass 4 week n didn't got my ps5. So I had no choice to delete there account from my paycom n I told my boss to collect those money back n I also reported to bbb n they going to help me... don't let perpay take u for your money... perpay take your money n u won't see nothing

Tip for consumers:
Don't buy from perpay perpay take your money n you won't see nothing

Products used:
Nothing they never send me nothing

Service
Value
Shipping
Returns
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi James,

Thanks for your feedback! Please note that due to high demand, the expected shipping timeframe for this console is 3-4 weeks after your first payment is received. Your first payment was received on 8/26, so your order is still within the shipping expectation that is listed on the product page ahead of purchasing the console.

Tracking information for the console will be provided as soon as your order has shipped, likely within the next week. If you have any questions in the meantime, feel free to email hello@perpay.com to speak with a member of our Support team.

Thumbnail of user denise.smith86
Virginia
1 review
1 helpful vote
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August 31st, 2023

I made an order and all was well. I decided to do a second order a few days later and they kept reaching out for additional information like paystubs - which made no sense, but okay. I sent it in in a timely manner and they continued asking for it. By this point, I no longer wanted the second item as I missed the payroll cut off and it would not be here in time.

I've repeatedly asked them to cancel the order yet that amount has not been returned to my available balance. I then went in and cancelled the order myself and still, nothing. They STILL continue asking for paystubs - despite not wanting the order and cancelling it.

When I reach out with very direct questions, they do EVERYTHING except answer the question but consistently remind me that I need to update my payroll allotment - update it for what? I cancelled the second item.

They're delusional if they think I am paying for an item I canceled, they didn't ship, and I didn't receive.

The customer service leaves a lot to be desired and their responses are so canned and automatic it's suspect.

Tip for consumers:
Stay away.

Service
Value
Shipping
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Denise, we apologize for the confusion and frustration you experienced with your order. We understand your concerns and are working to resolve the issue with your payment and cancellation. We appreciate your feedback and will use it to improve our customer service. Please reach out to hello@perpay.com so our team can best assist you!

Thumbnail of user j.loffler3801
New York
1 review
7 helpful votes
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October 24th, 2023

After reading all the negative reviews, think this speaks loud and clear. Not reliable. Taking money frommaccounts under false pretenses and poor, dishonest business practices.

Tip for consumers:
Look into the complain for maybe a class action lawsuits and law enforcement against dishonest business practices .

Products used:
Read reviews. Scared the hell out of me. I read the robot replies and seems like there is no accountability for accepting or resolving the many complaints. Clearly these customers trusted this company with their income and account information and the results were failure on the part of the company taking their money under false pretenses and poor,dishonest business dealings. Hope those people took legal action against them and filed complaints with the Federal Trades Commission. AKA, FTC. I will not trust them or do any business with them after reading all these complaints.

Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi JoAnn, we're sorry to hear about your concerns. We strive for reliability and transparency in our business practices. We take customer feedback seriously and continuously work to improve our services. If you have any specific issues, please reach out to our customer support team.

Thumbnail of user christyr159
Illinois
1 review
0 helpful votes
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December 13th, 2021

Was approved for $950 credit limit I put a order in for $930 and when I got ready to check they wouldn't let me submit my order so they didn't think I could work with per pay I was ready to submit a payment and everything my first two payments actually so

Tip for consumers:
They shouldn't approve you with a credit limit and then renig on it when you get ready to submit your order

Products used:
None

Service
Value
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Christy,

A member of our Support team would be happy to look into this for you. Feel free to email hello@perpay.com with more detail about the issue, and reference this review so that we know it's you!

We look forward to speaking with you shortly.

Thumbnail of user deek132
Alabama
1 review
9 helpful votes
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November 18th, 2021

Yeah this company marks up their products, I'm confused as to what any were to expect from a company who doesn't do credit checks. Usually giving most customers some credit value to shop with as long as you pay your first payment, then the item will ship. My item took a few weeks which I expected because, unlike 90% of these other reviewers, I read the details dealing with their shipping process and length. It literally says under every item I've just looked at, their shipping procedure and possible waiting time for arrival. It's kinda hilarious how most of these others reviews were just horrified and so inconvenienced by how long some products took to arrive, although most I read here literally said they waited a certain amount of time and we're completely unsatisfied. Even when the times they waited, no lie, we're almost exactly the amount of time the company says to possibly expect. Especially for certain products (PS5). Besides the marked up price for basically all credit acceptance, the shipping length of certain items depending on size and time you pay your first payment, this company isn't all that bad. At least, from what I've seen, everyone here can say they eventually got their orders and didn't get scammed. If you don't like the little inconvenience, if you can even call them that, then go and use a credit card somewhere else or pay straight up cash. No one's forcing anyone to proceed with orders, lol. Crazy dude

Tip for consumers:
The new Switch was priced at $52 payments, 12 payments in all. Took 13-14 days to arrive after 1st payment. Shipping is lengthy but product came, what looks like 100% unused brand new. Plus 1 year protection plan I chose for $5 extra each payment. Small price to pay for basically a warranty on a unused Nintendo Switch.

Products used:
Nintendo Switch Brand New

Service
Value
Shipping
Quality
Thumbnail of user christopherb2106
Missouri
1 review
1 helpful vote
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September 7th, 2022
Verified purchase

I've snagged a few nice things off of Perpay that I wouldn't have been able to afford otherwise. I love how I can order now and pay with my paychecks little by little

Tip for consumers:
Prices are higher than in stores, but you make payments by paycheck so it ends up being easier to cover a large expense say your fridge or stove goes out you don’t have to pay it all upfront, and it’s good for birthdays/Christmas gifts

Products used:
Tv, can opener, kids toys for Christmas, tablets

Service
Value
Shipping
Returns
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Christopher, we really appreciate you taking the time to share your experience with us. We count ourselves lucky to have customers like you.

We look forward to working with you again in the future!

Thumbnail of user frankb1418
California
1 review
0 helpful votes
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August 13th, 2022

The reviews for this company are "HORRIBLE" and... they had me signed up for an order that I DIDN'T MAKE.

Since the reviews saved me... I had to write a review.

"STEER CLEAR OF THIS "SO CALLED" BUSINESS"

Tip for consumers:
leave me alone

Products used:
leave me alone

Service
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Frank,

Thank you for taking the time to provide some feedback on our program. Hearing the unique opinions of our customers truly is the best way for us to continue improving our product!

By identifying pain-points you've experienced, you give us the opportunity to recognize problems & brainstorm solutions.

We certainly want to make sure that any orders on your account belong to you. Please contact hello@perpay.com referencing this review so that we know it's you. Our Support team would be happy to look into the order on your account that you didn't place, and work with you to reach a resolution.

We look forward to speaking with you soon!

Thumbnail of user angelabrooks3796
Alabama
1 review
0 helpful votes
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August 13th, 2023

I order this item on 8/10/23 I hook it up in my living room let it blew about 2 hours and it didn't do like I thought it would my living room was still hot so I wasn't please at all after the money I spent for this I could have bought a window unit for this price very disappointed

Products used:
Still had to spend out extra money for a window unit that works

Service
Value
Shipping
Returns
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hello Angela, Allow us to take a closer look at this for you. Please contact us at hello@perpay.com with your information so we're able to best assist you. Thank you.

Thumbnail of user tamarab176
California
1 review
8 helpful votes
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August 11th, 2020

I have ordered three times from this company and no problems now the item I ordered recently got held up in the postal service center. They keep saying oh we are sending a replacement then that one gets held and they said again they sent a replacement and no item shows up. LIP SERVICE only then when I said I want a refund they said it is too late for refund what is up with that...… NO BUENO

Thumbnail of user dorism157
Texas
2 reviews
2 helpful votes
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March 25th, 2023

I'm so happy I joined prepay. I love direct deposit option. I was able to pay off my tv. Now I have an option to get a credit card which another way to continue building my credit score!

Tip for consumers:
Direct deposit keeps you on time with your payments and it also helps build your credit score

Products used:
HDMI cables

Service
Value
Shipping
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Doris,

Thanks so much for your kind words! We love hearing from valued members of the Perpay community, like yourself.

Hope you have an amazing day!

Thumbnail of user rg458
Tennessee
1 review
4 helpful votes
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June 1st, 2021

HORRIBLE. BUGGED ME AND BUGGED ME THEN DENIED ME. Sent me hundreds of emails trying to get me to use them, I go ahead and decide to then they say "Can not approve this purchase at this time" No credit check no hassles ids their policy. Well if they denied me they check something. What a SCAM!

Service
Value
Shipping
Returns
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi there,

We appreciate your feedback & apologize for any confusion about our approval process.

While a user's spending limit is initially calculated using the information listed on their pay stub, all orders go through a review process handled by our Approvals Team. We do not check credit scores. Although we were unable to approve your order at this time, we'd love for you to come back in a few months to be reevaluated!

Thumbnail of user joeyw90
Oregon
1 review
3 helpful votes
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February 21st, 2022

This has to be the worst company I have EVER had to deal with. First off, the prices are DOUBLE what you'd pay for the product at a normal place, but I was willing to use them so I could get a PS5 without paying everything up front. That's on me. Then, you pay for this product for 6-8 weeks and HOPE it'll show up in that time period…. Mine has NOT. I have found NO contact phone number…only an email and it takes at least 1 day for them to respond. They had my product sitting at the "Label Created" part of shipping for 2 weeks then cancelled it and told me that their distributor made a mistake by creating a label for my product before they had it. This entire process has been so frustrating that I asked for a refund…. THEY REFUSED! I've been told for the last 2 weeks that my product is "in the last stage of processing " so they cannot issue a refund. So, now I'm stuck waiting for something that may or may not show up…I ordered this on 12/29/21 and it's now 2/21/22…still waiting and has been in the final stages of processing since 2/4/22. I'm a little frustrated to say the least. I guess that's what I get though. They will NEVER get my business again. Let this be a warning to all that are thinking of using this service/company. You literally have no idea when you will receive your product, but you have to start paying for it on day 1 before they even think of shipping it.

Products used:
PS5

Service
Value
Shipping
Returns
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Joey,

We apologize for any confusion, and would be happy to clarify what happened here!

Our Distribution Partner accidentally created the shipping label before the console had shipped, and had to void those labels. For this reason, the tracking was showing that the shipment was canceled. I see that our Support team credited the cost of shipping for the inconvenience.

It looks like your order was released for shipment on 1/6/2022, and delivered on 2/24/2022. Due to high nationwide demand, the shipping timeframe for this item is extended. We set the 6-8 week shipping expectation ahead of making the purchase, and met that expectation.

If you have any questions or concerns, please contact our Support team at hello@perpay.com. We'd be happy to help!

Thumbnail of user apinero21
Illinois
0 reviews
1 helpful vote
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November 27th, 2023

I order a ps5 got charge for it than I get a email weeks later saying out of stock to pick something else I give them a new id number to the other items and I can't get ahold of any customer service, is brutal how no one response to you especially after they require there money through bank, I than email serval times I mean several and no response yet and its been like two weeks, I want my new times and would like them to ship and I can't get a hold of anyone.

Products used:
ps5, xbox controller and a fireplace entertainment center

Service
Value
Shipping
Returns
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Alexander, we apologize for the inconvenience you've experienced. We understand your frustration and we're sorry for the delayed response. We'll make sure to address your concerns and assist you promptly. Thank you for bringing this to our attention.

Thumbnail of user christopherp814
Missouri
2 reviews
0 helpful votes
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April 24th, 2023

I love shopping on the site. All the products are genuine and the payments are very reasonable. Costumer service is top notch with quick follow up by email. I will always be with Perpay!

Tip for consumers:
N/A

Products used:
Mostly fragrances and watches.

Service
Value
Shipping
Returns
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Thanks for the awesome review, Christopher! We're so happy to hear you're loving your Perpay experience, and can't wait to keep working with you.

We're always here if you ever need assistance. Feel free to reach out to our Support team at hello@perpay.com if any questions come up!

Thumbnail of user christiab5
Maryland
1 review
8 helpful votes
  • Send Message
January 7th, 2021

I am now going on 4 payments for a damn PS5 and I ordered this the FIRST DAY they had this on their site and almost 3 months later STILL NO CONSOLE but they're happy to take your money... Then I'm being told that I'm number 118 in the queue currently. This is BS and this company also charges you DOUBLE what the product actually costs and they need to be shutdown... Price gouging annnnd money stealing f*"*ing love it! About to make that 2 hour drive to their headquarters and its going to be open warfare there shortly... I'm tired of being $#*!ed around by these $#*! hats...

Tip for consumers:
Stay far away from this $#*! company

Products used:
PS5

Service
Value
Shipping
Returns
Quality
Thumbnail of user jacquelinec495
Nevada
1 review
2 helpful votes
  • Send Message
November 1st, 2021
Verified purchase

I've been attempting to receive my money back for maybe a week now and I'm having extreme difficulty receiving my money back. I find it funny how there is no problem accessing your bank account via direct deposit but when it's time for you to get your money back they send you through all types of loops. One example is I was told that my account had to be verify with this low amount such as a 0.25 but when I check my account it's not there for me to verify it. I've been requesting via email for over a week to refund my money or what they called withdraw my money and I still haven't received my money. I initially open this account in 2018 going crazy to figure out which account that was accessed. Then I suddenly remembered they had me to place my front in their Chase account. It wasn't too recently when they sent me a email from perpay stating that they had a special upon accessing this email I went and checked my account with them. When I access my account I noticed they had withdrawn $617 from my account although I had canceled the order they kept taking money out of my bank account. This company doesn't have a contact number you only can communicate with this company via email and text messages which makes it that much harder to retrieve your money back. My review is a one star and that is too much for scammers.

Tip for consumers:
You have a hard time receiving your money back but yet they constantly take out a your of bank account even after you cancel your order.

Products used:
I canceled all my orders

Service
Value
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Jacqueline,

We apologize for any frustration here!

Upon reviewing your account, it looks like you verified your bank account and requested your withdrawal on 11/1. This withdrawal is shown as paid on our end, but please let us know if you have not received your funds. We certainly want to be sure you received that!

If you have any other questions or concerns, please feel free to reach out via email at hello@perpay.com. A member of our Support team would be happy to help you!

Thumbnail of user nikkis397
North Carolina
1 review
4 helpful votes
  • Send Message
March 12th, 2023

I made this purchase of a 65" Samsung TV in January and received it January 21st. Got it opened but it had a crack on the screen asked them to send it back for an exchange, which took forever for a response. They asked for pictures and never responded until I rated the conversation as terrible then I received an email stating UPS will pick it up. Now they send the return a month later on February 10th after my initial order and it has screen damage again! Now this tv was priced at $950, so i have been paying $93.39 without a working tv for 3 months! That's ridiculous. I asked them for another exchange they send me the info about UPS picking it up, but UPS hasn't attempted to pick up. So I call UPS to schedule the pickup and they are refusing to pick up this broken TV until they speak to the shipper It's already hard enough to talk to someone as is, I just want my money refunded and that's all, no more attempts to try and get this tv, they better figure out a way to come get cause I'm done with Perpay, great concept terrible service. They need a customer service # cause obviously these issues are frequent for them. And if anyone from Perpay wants to respond to this post y'all need to call UPS and speak to their damaged claims department! Y'all making them look bad like they did the damage. And I'm removing my payroll deductions and I'm emailing y'all today about my refund.

Products used:
Electronics

Service
Value
Shipping
Returns
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

We are sorry you are having an issue with the return process. Please reach out to help@perpay.com and we would be happy to help you resolve this issue.

Thumbnail of user ericv785
California
2 reviews
0 helpful votes
  • Send Message
February 2nd, 2024

Love the selection. Shipping times are fast. I have had an iddue where I had to return something, and they made it fast and easy.

Products used:
apple watch, and many other things

Service
Value
Shipping
Returns
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Eric, thank you so much for the positive feedback! We're thrilled to hear that you love our selection and that our shipping times have been fast. We're glad we were able to assist you with your return quickly and easily. We appreciate your support and hope you continue to enjoy our products!

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