Feature by feature.
Side by side.
The categories that matter when you're picking a long-term payment partner.
| Capability | FormPiper Unified platform | Waterfall-Only Financing aggregators | Single-Lender e.g. bank-issued programs |
|---|---|---|---|
| Financing Coverage | |||
| Multi-lender waterfall | |||
| All 6 credit tiers covered | Partial | ||
| Lease-to-own integration | Sometimes | ||
| In-house payment plans | |||
| Payments & Platform | |||
| Credit card processing | |||
| Unified dashboard (financing + payments) | |||
| White-label licensing | |||
| Dedicated vertical solutions | |||
| Pricing & Compliance | |||
| No per-application fees | Varies | ||
| Single vendor contract | |||
| SOC 2 + PCI DSS + HIPAA | Varies | Varies | |
| 5–10 day onboarding | Varies | ||
Comparison reflects publicly available feature sets of representative platforms in each category. Individual vendor offerings vary.
Three common setups.
Three different ways to leak revenue.
Great for prime. Lose everyone else.
- Only one credit box — typically 30–40% approval
- No second-look or cascade for declined applicants
- Zero coverage for sub-prime, lease-to-own, or in-house
- Your sales team learns to stop offering financing
Solve approval. Ignore the rest.
- Financing only — no credit card processing
- No in-house payment plan support
- Per-application fees compound at scale
- Separate reporting from your POS / processor
Four contracts. Four headaches.
- Multiple vendors, multiple integrations, multiple bills
- Reconciliation across 3–4 disconnected dashboards
- Compliance burden multiplied per vendor
- Staff training fragmented across systems
What only FormPiper does.
Financing + Payments in one platform
The only platform that unifies waterfall financing, credit card processing, and in-house payment plans. One integration. One dashboard. One vendor.
The Always Say Yes waterfall
Six tiers — Prime, Near Prime, Sub Prime, Lease to Own, In-House, Revolving. Every customer gets an offer they can accept.
Flat pricing, unlimited applications
No per-credit-pull fees. Run every customer through the waterfall without watching the meter — competitors charge $1–5 per application.
Purpose-built for independents
Enterprise platforms chase chains. FormPiper is built ground-up for independent furniture, jewelry, medical, auto, and home-improvement retailers.
Already with someone else?
We handle the move.
No downtime. Dedicated onboarding team. Existing lender relationships preserved.
Book a Demo
See the full platform with your specific lender stack and use case.
We Handle Migration
Our team manages the full transition — lender configuration, data migration, and staff training. Zero downtime.
Go Live in 5–10 Days
Most merchants are fully live within 5–10 business days. Existing lender relationships preserved.
"We were on a single-lender program for three years and losing half our applicants. Migration to FormPiper took six business days. Financed sales were up 27% in the first quarter."
Retailers switched in the last 18 months
Median migration timeline
Lender relationships preserved