Revolver Now is a platform that helps your customers find and apply for credit cards they can use immediately—often before the physical card arrives. Our platform uses advanced AI technology to analyze each customer’s unique credit profile and intelligently match them with the credit cards where they have the highest likelihood of approval. By integrating with your checkout process, we increase your customers’ purchasing power and help you close more sales.

When a customer needs financing, they complete a quick credit pre-screen through our platform. We use a soft credit pull to assess their profile and match them with credit cards that offer instant card numbers upon approval. If approved by the card issuer, many cards provide a virtual card number within minutes that can be used for immediate purchases—either online or via digital wallet in-store.

We work with over 100 credit cards from major issuers including Chase, Capital One, American Express, Citi, Discover, and more. Our AI-powered matching system analyzes each customer’s credit profile to identify the best possible matches from our extensive card database.

No. Rather than overwhelming customers with dozens of options, our AI carefully curates a focused selection of the top 3 to 5 credit cards that best match their specific credit profile. This approach is intentional—research shows that too many choices lead to decision paralysis and abandoned transactions. By presenting only the strongest matches, we help customers make confident decisions quickly, which means faster checkouts for your business.

Yes. Customers are free to apply for multiple credit cards from their recommended options. This can be beneficial in several scenarios—for example, if a customer wants to split a large purchase across two cards, or if they want a backup option in case their first choice isn’t approved. However, customers should be aware that each application will result in a separate hard credit inquiry from that card’s issuer.

Our pricing is simple and transparent:

Byzly is a high-ticket transaction hub that provides merchants with all of their payment and customer financing options in one centralized platform. Payment processing is one component of the Byzly hub, alongside other services designed to help you close more high-ticket sales.

To qualify for the reduced 3.9% transaction fee, simply process your Revolver Now transactions through Byzly. You can connect your existing credit card processor or apply for a new merchant account directly within the platform. For more information, contact support@Byzly.com

Transaction fees only apply when a customer actually completes a purchase using a credit card obtained through Revolver Now. You are not charged if a customer is pre-screened but doesn’t apply, applies but isn’t approved, or is approved but doesn’t make a purchase.

No. The initial pre-screen uses a soft credit pull, which does not impact your customer’s credit score. However, if the customer decides to apply for one of the recommended credit cards, the card issuer will perform a hard credit pull as part of their standard application process, which may temporarily affect the customer’s credit score.

No, approval cannot be guaranteed. Our AI matching system recommends cards where the customer has a strong likelihood of approval based on their credit profile, but the final approval decision is always made by the credit card issuer. Factors that may affect approval include:

• Income and employment verification
• Existing relationship with the issuer
• Recent credit applications
• Issuer-specific underwriting criteria

No, instant access cannot be guaranteed. While we specifically recommend credit cards that typically offer instant card numbers upon approval, whether a customer receives instant access depends on several factors determined by the card issuer:

• Identity verification requirements
• The issuer’s fraud prevention systems
• Application timing and system availability
• Account verification procedures

In most cases, approved customers receive their virtual card number within minutes, but some may need to wait for their physical card or complete additional verification steps.

For the pre-screen, customers provide basic information including:

• Full legal name
• Current address

• Annual income (for card applications)

Integration is simple. Through Byzly, we offer multiple options: a hosted checkout page you can link to, an embeddable widget for your website, API integration for custom implementations, or a tablet/POS application for in-store use. Our team will help you choose the best option for your business and guide you through setup.

Revolver Now works well for any business where customers may benefit from credit card financing, including:

• Furniture and mattress stores
• Electronics and appliance retailers
• Home improvement and contractors
• Auto repair and service centers
• Medical and dental practices
• Jewelry stores
• Coaching and other professional services
• Any high-ticket retail or service business

Your Revolver Now merchant dashboard provides real-time visibility into activity, including pre-screens performed, customer matches, and completed transactions (if processed through Byzly). You’ll also receive monthly statements detailing all fees.

Please ensure your customers understand the following:

1. All credit locks on credit must be removed in order to be prescreened and approved for credit cards.
2. Credit card approval is not guaranteed. Final decisions are made by card issuers.
3. Instant access to the card number is not guaranteed. Some approvals may require waiting for the physical card.
4. Applying for a credit card will result in a hard credit inquiry, which may temporarily affect the customer’s credit score.
5. Credit cards carry interest charges if balances are not paid in full. Customers should review all terms and conditions before applying.
6. Flexxbuy LLC provides financing platforms, including Revolver Now, and is not a lender and does not make credit decisions.

Contact our merchant support team at support@byzly.com. We’re here to help you grow your business with Revolver Now.