Synchrony eCommerce Solutions

Synchrony’s wide range of consumer financing solutions help enable growth for businesses on leading eCommerce platforms.

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Synchrony partners with leading eCommerce platforms to provide your business with seamless integration.*

Offering Synchrony financing has its benefits

Help enable higher ticket purchases with financing options from 6 weeks ‑ 60 months
Offer customers a seamless payment experience
Find tools, resources & support on the Synchrony Partner Center

44%
of shoppers said they always seek financing options^

^ Synchrony 9th Major Purchase Study, September 2023

Help increase customers' purchasing power with flexible financing

Synchrony Pay Later Loan

A buy now, pay later loan that allows easy, predictable payments over time.

Synchrony Flex Credit Card

A credit card that offers flexible financing and enables repeat purchases.

Choose the solution that fits your customers’ needs

Synchrony Flex Credit Card

Open line of credit

Encourages repeat purchases & helps drive loyalty

Pay Later

Buy now, pay later loan

Easy, predictable payments over time

Flex Credit Card + Pay Later

Open line of credit + Buy now, pay later loan

Payment options and flexibility to buy now & pay over time

Flex Credit Card + Pay Later

Open line of credit + Buy now, pay later loan

Longer duration loans and no interest financing offers

Help convert more customers with a seamless payment experience

Grow with Synchrony
It’s simple.

We tailor our solutions to help you convert more customers. Provide your business details so we can guide you to the consumer financing solution that fits your needs.

44% of shoppers said they always seek financing options*

*Synchrony 9th Annual Major Purchase Study 2023

Let’s get started. Tell us about your business.

Principal/Owner First Name - May not exceed 20 characters or contain special characters - Required

Principal/Owner Last Name - May not exceed 20 characters or contain special characters - Required

Business Name - May not exceed 255 characters or contain special characters - Required

Business Address - Combined length of street address fields may not exceed 60 characters - Required

Business Address Line 2

Business City - May not exceed 22 characters or contain special characters - Required

Business State - Required

Business Zip Code - Must be a correctly formatted 5-digit or 9-digit US Zip Code - Required

Business Email - Must be a valid email address - Required

Business Phone Number - Must be a valid US phone number - Required

Which industry best describes your business? - Required

Get started today.

We tailor our solutions for your business to help you connect with more customers.

2 in 3 shoppers surveyed agree that financing makes larger purchases more affordable*

*Synchrony 9th Annual Major Purchase Study 2023

We need a few more details.

What year did you start your business? - Required

Select your eCommerce platform. - Required

Please provide your business website. - Required

Please provide the URL for your return policy. - Required

Please provide your business's total annual revenue. - Required

Get started today.

Provide a few quick details and we'll contact you to discuss your consumer financing needs.

What other platform do you have? - Required

Thank you for your interest, but at this time we do not support that platform.

We've recorded your interest and we will let you know as soon as that platform is supported.

Nice to meet you, FirstName.

One of our consumer financing specialists will be in touch soon to learn more about your business - and show you how Synchrony can help you grow it.

In the meantime, we invite you to browse the latest news, industry-specific perspectives and research on purchasing trends.

FIND INSIGHTS

Synchrony eCommerce Solutions Application

Give your customers payment flexibility with product choice.
We offer single and multi-product solution sets, all at competitive pricing with seamless integration.

Synchrony Pay Later: A one-time use loan that allows for equal, predictable payments up to 60 months
Synchrony Flex Credit Card: A revolving credit card that allows for repeat use, with promotional financing options

With all options, partners receive payment from Synchrony within one day of a customer's transaction.

Choose the solution set that best fits your business and lets customers pay over time.

Hit 'Learn More' to see our transparent pricing and a view of how our payment options will display to your customers. When you're ready, hit 'Select & Continue' to confirm your choice and start the application process.

Offer flexibility to buy now
and pay over time

The Flex Credit Card
with deferred interest promotions* and Installment loans up to 36 months

*No interest if paid in full within promotional period

Offer more payment options
and longer duration loans

The Flex Credit Card
with no interest promotions and Installment loans up to 60 months

There was an issue processing your application.

Please contact our financing specialists. You can reach out directly via email or phone.

Email: eCommerce@syf.com
Phone: 1-844-866-8014

START OVER

We already have a record of your information.

If you believe this is an error or would like to know the status of your application. You can reach out directly via email or phone.

Email: eCommerce@syf.com
Phone: 1-844-866-8014

START OVER

*All product, service, and company names are the trademarks of their original owners. The use of any trade name or trademark is for identification and reference only and does not imply any endorsement, sponsorship, or affiliation by or with the trademark holder of their brand.

Limited Time Offer*

The $0.25 per transaction fee will be waived on transactions processed now through 1/31/26

Cart Size	Promos
Any	6 months deferred interest No interest if paid in full within 6 months

Cart Size	Product
$600 - $1999	Pay Monthly for 6 months
$1200+	Pay Monthly for 12 months

Cart Size	Promos
$50 - $499	Pay in 4 (over 6 weeks)
$50 - $499	Flex Card: 6 months deferred interest No interest if paid in full within 6 months
$500 - $999	Pay Monthly for 18 months
$500 - $999	Flex Card: 12 months deferred interest No interest if paid in full within 12 months
$1000 - $1999	Pay Monthly for 24 months
$1000 - $1999	Flex Card: 18 months deferred interest No interest if paid in full within 18 months
$2000+	Pay Monthly for 36 months
$2000+	Flex Card: 24 months deferred interest No interest if paid in full within 24 months

Cart Size	Promos
$50 - $499	Pay in 4 (over 6 weeks)
	Pay Monthly for 12 months
	Flex Card: zero interest with 6 equal monthly payments
$500 - $999	Pay Monthly for 24 months (with 0% interest for those approved)
$500 - $999	Flex Card: zero interest with 12 equal monthly payments
$1000 - $1999	Pay Monthly for 48 months
$1000 - $1999	Flex Card: zero interest with 24 equal monthly payments
$2000+	Pay Monthly for 60 months
$2000+	Flex Card: zero interest with 24 equal monthly payments

Great for businesses who want to allow customers to purchase today and pay over time.

Limited Time Offer*
The $0.25 per transaction fee will be waived on transactions processed now through 1/31/26

Pay Monthly, a Pay Later product, is an easy, one-time loan that allows shoppers to pay off their purchase over 6 or 12 months, depending on cart size.
Partner Pricing: 5.5% + $0.25 transaction fee

Cart Size	Financing Offers
$600 - $1199	Pay Monthly for 6 months
$1200+	Pay Monthly for 12 months

*A transaction is processed on the day the purchase is updated as shipped in your eCommerce platform or a purchase or forced purchase transaction is entered in Synchrony’s Business Center. Any transaction processed on and after 2/1/26 will be charged the $0.25 per transaction fee. The percentage processing fee will continue to apply throughout the offer period and thereafter.

Great for businesses who want to provide flexible financing and encourage repeat purchases.

Limited Time Offer*
The $0.25 per transaction fee will be waived on transactions processed now through 1/31/26

The Flex Credit Card is a straightforward solution that offers 6 month deferred interest promotional financing.
Partner Pricing: 4% + $0.25 per transaction or 1% when customers use the Synchrony Flex Card without optional promo financing

Cart Size	Financing Offers
$199+	6 months deferred interest No interest if paid in full within 6 months

Great for businesses who want to give customers more ways to pay and encourage repeat purchases.

Limited Time Offer*
The $0.25 per transaction fee will be waived on transactions processed now through 1/31/26

Pay in 4 allows customers to pay in 4 equal, interest-free payments over 6 weeks.
Pay Monthly allows customers to make equal monthly payments for up to 36 months, depending on cart size.
The Flex Credit Card offers deferred interest promotional financing, up to 24 months.
Partner Pricing: 5.5% + $0.25 per transaction or 1% of when customers use the Synchrony Flex Card without optional promo financing.

Cart Size	Financing Offers
$50 - $500	Pay in 4 (over 6 weeks)
$199 - $499	Flex Card: 6 months deferred interest No interest if paid in full within 6 months
$500 - $1199	Pay Monthly for 18 months
$500 - $1199	Flex Card: 12 months deferred interest No interest if paid in full within 12 months
$1200 - $2399	Pay Monthly for 24 months
$1200 - $2399	Flex Card: 18 months deferred interest No interest if paid in full within 18 months
$2400+	Pay Monthly for 36 months
$2400+	Flex Card: 24 months deferred interest No interest if paid in full within 24 months

Great for businesses looking to give customers even more choices when paying for higher ticket items.

Limited Time Offer*
The $0.25 per transaction fee will be waived on transactions processed now through 1/31/26

Among our solution sets, this one offers the longest financing durations.

Pay in 4 allows customers to pay in 4 equal, interest-free payments over 6 weeks.
Pay Monthly allows customers to make equal monthly payments for up to 60 months, depending on cart size.
The Flex Credit Card offers no interest financing with equal monthly payments up to 24 months.
Partner Pricing: 9.5% + $0.25 per transaction or 1% when customers use the Synchrony Flex Card without optional promo financing.

Cart Size	Financing Offers
$50 - $500	Pay in 4 (over 6 weeks)
$199 - $499	Flex Card: zero interest with 6 equal monthly payments
$500 - $1199	Pay Monthly for 12 months
$500 - $1199	Flex Card: zero interest with 12 equal monthly payments
$1200 - $1999	Pay Monthly for 24 months
$1200 - $1999	Flex Card: zero interest with 18 equal monthly payments
$2000 - $4000	Pay Monthly for 48 months
$2000 - $4000	Flex Card: zero interest with 18 equal monthly payments
$4000+	Pay Monthly for 60 months
$4000+	Flex Card: zero interest with 24 equal monthly payments

Credit Cards

Loans

Cardholder capabilities

Savings

Resources

Our Company

Resources

Synchrony eCommerce Solutions

Offering Synchrony financing has its benefits

Help increase customers' purchasing power with flexible financing

Synchrony Pay Later Loan

Synchrony Flex Credit Card

Choose the solution that fits your customers’ needs

Basic Plan

Synchrony Flex Credit Card

Standard Plan

Pay Later

Growth Plan

Flex Credit Card + Pay Later

Premium Plan

Flex Credit Card + Pay Later

Help convert more customers with a seamless payment experience

Grow with Synchrony It’s simple.

Let’s get started. Tell us about your business.

Which industry best describes your business? - Required

Get started today.

We need a few more details.

What year did you start your business? - Required

Select your eCommerce platform. - Required

Please provide your business website. - Required

Please provide the URL for your return policy. - Required

Please provide your business's total annual revenue. - Required

Get started today.

What other platform do you have? - Required

Nice to meet you, FirstName.

Synchrony eCommerce Solutions Application

Choose the solution set that best fits your business and lets customers pay over time.

Growth Plan

Offer flexibility to buy now and pay over time

Premium Plan

Offer more payment options and longer duration loans

There was an issue processing your application.

We already have a record of your information.

Grow with Synchrony
It’s simple.

Offer flexibility to buy now
and pay over time

Offer more payment options
and longer duration loans