With Vagaro Pay Later (VPL), your customers will make larger purchases, knowing they can pay over six weeks in four installments with no finance charges! VPL is supported by Certegy, which deposits the full purchase amount (minus their 6% non-refundable fee) into your bank account the next business day.
VPL is risk-free! After VPL checkout, all future payments are handled between the customer and Certegy, so your business isn’t affected if a customer misses a payment.
Only available for US businesses. All VPL payments will be deposited into the booth renter's or the business's merchant account after one business day. The cut-off time is 6 p.m. PST. Any transactions made with VPL after 6 p.m. will be deposited in two business days.
This article will cover the following:
Related Article: Checking Out using Vagaro Pay Later
You cannot activate VPL without Vagaro Merchant Services (VMS). To activate VMS, see Sign up for Credit Card Processing.
There are four pages in Vagaro where you can activate VPL:
On the Vagaro Pay Later sales page
On the Credit Card Processing page
On the Feature Subscription page
On the In-House Checkout page.
All pages have a similar sign-up process, so you can follow the steps below to activate VPL.
The Vagaro Pro app and Web screens have similar steps for both versions. Follow the steps below, but keep in mind that your screen may look different.
Web: Navigate to→ → .
Vagaro Pro: Navigate to→ → → .
Read and agree to VPL terms, then click Save.
The VPL activation request has been sent.
VPL acceptance may take up to four business days.
Click Send Invites to invite your customers to VPL. Click Not Now to close the pop-up.
All emails sent through this invitation are free and will not be deducted from your email marketing plan.
If you clicked Not Now, you can click Invite Customers from the Vagaro Pay Later page.
Once VPL is activated, set a minimum and maximum limit for customer purchases, then click Save.
In some cases, Certegy may reject high-risk customers based on their financial health. If a customer uses VPL for a large checkout and their financial health is not approved by Certegy, the checkout may be unsuccessful. If this happens, please direct the customer to Certegy's customer helpline (800-237-7506) for any questions/concerns they may have. Please DO NOT contact Vagaro for issues with customer financial health/acceptance.
If your business is concerned about transaction failures, customers can use deposits or prepay for appointments instead.
Your booth renters or employees with their own VMS accounts will automatically be enrolled for VPL when you set it up for your business. Service providers will receive a pop-up to view VPL conditions.
Click Terms and Conditions to view the terms.
You can also click Learn More to learn about VPL features.
Service Providers will receive commission from the full sale total. The 6% fee is not deducted from commissions. Funds are automatically divided into employee bank accounts if a VPL transaction is made with multiple Merchant Accounts in a single checkout.
When refunding customers for VPL purchases, be sure to use the same payment methods as the original transaction. For example, if a payment was split between cash, gift certificate, and VPL, refund the same amounts for each payment method.
Do not refund a transaction paid for with VPL using only cash or gift cards! The customer’s Certegy account will not be credited for the refund, or you might refund the same customer twice. Make sure you refund all VPL purchases through the Transaction List. Certegy will refund the customer for all VPL purchases by reimbursing the full original purchase price or installments paid by the customer. For your business, after a refund, Certegy will take the entire purchase amount from your account. The 6% fee is non-refundable.
For more information on how to make a refund, see Refund a Transaction.
You can find VPL reporting in:
You can deactivate VPL at any time, even if customers are still paying installments.