What happens after the lender says no.
Customer walks out. Staff has no fallback, no card link to send, no installment option to offer. Revenue evaporates at the counter.
FormPiper detects the decline, surfaces a card option, and lets staff text a secure payment link — split into up to 12 equal payments — before the customer leaves.
Text a link.
They split it. You're paid.
Send a secure payment link via SMS. The customer opens it on their phone, chooses up to 12 equal monthly payments, and pays — no hardware, no app, no re-entry.
Your associate enters the amount and taps Send. The customer receives a secure payment link via text — no app, no hardware, no card swipe needed at the counter.
Standard transactions,
the way customers expect.
For customers paying in full by card, FormPiper's POS terminals handle the transaction at the counter — tap, swipe, or chip. Every sale posts directly to your dashboard the same way SMS payments do.
- Tap, chip, and swipe supported
- Works at single or multi-location businesses
- All terminal transactions flow into FormPiper reporting
- No separate merchant portal — one login, everything
Every dollar — one dashboard.
Whether the sale came through consumer financing, an SMS payment link, or an in-store terminal, it all appears in the same FormPiper dashboard. No reconciliation across portals.
