Unlock New
Revenue with
Pay-Over-Time
Solutions
Unlock New Revenue
with Pay-Over-Time
Solutions
Unlock New Revenue
with Pay-Over-Time
Solutions
Shalem enables businesses to offer in-house flexible pay-over-time solutions. With tools for financial profile checks and upgrading sales, Shalem helps you approve more customers, close more deals, and grow your revenue.
Unlock New Revenue
with Pay-Over-Time
Solutions
Shalem enables businesses to offer in-house flexible pay-over-time solutions. With tools for financial profile checks and upgrading sales, Shalem helps you approve more customers, close more deals, and grow your revenue.
Trusted by Merchants and Service Providers Across the US, Mexico, and Canada
Approve Up to 100% of Sales Opportunities
Tired of losing customers due to rigid BNPL models that reject too many? With Shalem’s SPOT (Self-Pay-Over-Time) solutions, you have full control—approve up to 100% of sales opportunities and keep the profit in your pocket.
Full Flexibility, Unfair Advantage
Your Business’s Unfair Advantage
Your team can adjust terms within defined business guidelines to meet customer needs and secure the deal.Whatever your business requires, our system adapts to support your decisions seamlessly
Your Business,
Your Control
With Shalem’s SPOT (Self-Pay-Over-Time) solutions, you’re always in control.
Whether through automated workflows or manual adjustments, our platform adapts to your business needs. Effortlessly set terms, manage transactions, and customize payment plans - while maintaining the flexibility to make changes whenever needed.
Keep the Fees, in Your Pocket
With Shalem’s SPOT (Self-Pay-Over-Time) solutions, you can earn double!
Capture finance charges from customers and keep the transaction fees your business pays -on top of the profit from each sale!
Full Flexibility, Unfair Advantage
Your Business’s Unfair Advantage
Your team can adjust terms within defined business guidelines to meet customer needs and secure the deal.Whatever your business requires, our system adapts to support your decisions seamlessly
Your Business,
Your Control
With Shalem’s SPOT (Self-Pay-Over-Time) solutions, you’re always in control.
Whether through automated workflows or manual adjustments, our platform adapts to your business needs. Effortlessly set terms, manage transactions, and customize payment plans - while maintaining the flexibility to make changes whenever needed.
Keep the Fees, in Your Pocket
With Shalem’s SPOT (Self-Pay-Over-Time) solutions, you can earn double!
Capture finance charges from customers and keep the transaction fees your business pays -on top of the profit from each sale!
Pay-Over-Time Solutions
Shalem equips your business with powerful tools to optimize Pay-Over-Time Capabilities. Streamline operations, increase revenue, and maintain full control—all while offering flexible payment options tailored to your customers’ needs.
SPOT
Self-Pay-Over-Time
Secure customer commitment with SPOT.
Offer flexible, customer-friendly In-House finance with full control over terms, installments, and adjustments—all designed to close more sales
Membership &
Subscription
Streamline recurring payments for memberships and subscriptions with ease. Automate billing while retaining full control to adjust, pause, or customize plans to suit your business needs. Ensure secure customer commitment for consistent revenue growth.
Remote or In-Person
Sales
You can grow your business from anywhere and sell to customers wherever they are. Our secure remote payment solutions enable seamless transactions via phone, email, messaging or In-Person. With instant approval or customizable two-step options, you can tailor the process to fit your business needs.
Financial Profile -
Know Your Customer
Gain valuable insights into your customers’ financial profiles, enabling better decision-making and personalized payment solutions that build trust and loyalty.
API Website Integration
Integrate Shalem’s solutions directly into your website for a seamless customer experience. Close high-ticket sales effortlessly or enable Pay-Over-Time pre-approval for your services.
Lease to Own and Rent
Boost your business with lease-to-own or rental options tailored to high-ticket sales. Flexible terms, customized agreements, and lower upfront payments make it easier for customers to commit.
Pay-Over-Time Solutions
Shalem equips your business with powerful tools to optimize Pay-Over-Time Capabilities. Streamline operations, increase revenue, and maintain full control—all while offering flexible payment options tailored to your customers’ needs.
SPOT
Self-Pay-Over-Time
Secure customer commitment with SPOT.
Offer flexible, customer-friendly In-House finance with full control over terms, installments, and adjustments—all designed to close more sales
Membership &
Subscription
Streamline recurring payments for memberships and subscriptions with ease. Automate billing while retaining full control to adjust, pause, or customize plans to suit your business needs. Ensure secure customer commitment for consistent revenue growth.
Remote or In-Person
Sales
You can grow your business from anywhere and sell to customers wherever they are. Our secure remote payment solutions enable seamless transactions via phone, email, messaging or In-Person. With instant approval or customizable two-step options, you can tailor the process to fit your business needs.
Financial Profile -
Know Your Customer
Gain valuable insights into your customers’ financial profiles, enabling better decision-making and personalized payment solutions that build trust and loyalty.
API Website Integration
Integrate Shalem’s solutions directly into your website for a seamless customer experience. Close high-ticket sales effortlessly or enable Pay-Over-Time pre-approval for your services.
Lease to Own and Rent
Boost your business with lease-to-own or rental options tailored to high-ticket sales. Flexible terms, customized agreements, and lower upfront payments make it easier for customers to commit.
Seamless Integrations for Secure, Data-Driven Pay-Over-Time Solutions
Shalem Shield Dome
Payments Protection System
Our advanced three-step system—Prevent, Connect, Collect—minimizes risks at every stage, protecting your interests while streamlining financing. With Shalem’s solution, your business gains an unfair advantage through unmatched capabilities, smarter operations, and minimized sales losses.Shalem’s Shield Dome is a proven, built-in risk protection system designed to safeguard businesses effectively.
Optimize Pay-Over-Time
Optimize
Pay-Over-Time
AI Data-Driven Analytics
Shalem’s AI-powered technology revolutionizes pay-over-time in-house financing by making data-driven decisions tailored to your business. Our advanced AI-driven Risk Analytics and Decisioning optimize approvals, minimize risk, and maximize profitability.For the first time, businesses have access to powerful financial tools and actively participate in risk models, leveraging exclusive insights and real-time predictive analysis to approve more customers while maintaining financial stability.
Discover How Businesses Unlock New Revenue with Shalem
How Morena Mia Increased Revenue and Customer Satisfaction with Shalem
Morena Mia Beauty Group, a successful American beauty retailer in the Mexican Caribbean, serves American tourists seeking premium products. Limited financing often blocked high-value purchases, prompting the company to seek better solutions. Discover how they leveraged Shalem’s innovative cross-country pay-over-time solution to unlock new growth potential.
Selected, NY and Shalem’s SPOT Solutions
A thriving beauty and skincare business in Long Island, NY, offering a mix of cosmetic products, treatments, and recurring services, has been serving its community for over five years. With a customer base primarily composed of lower-middle-class individuals, including many immigrants with limited credit history, the business faced challenges in boosting sales and expanding its customer reach due to rigid payment models.
How Morena Mia Increased Revenue and Customer Satisfaction with Shalem
Morena Mia Beauty Group, a successful American beauty retailer in the Mexican Caribbean, serves American tourists seeking premium products. Limited financing often blocked high-value purchases, prompting the company to seek better solutions. Discover how they leveraged Shalem’s innovative cross-country pay-over-time solution to unlock new growth potential.
Selected, NY and Shalem’s SPOT Solutions
A thriving beauty and skincare business in Long Island, NY, offering a mix of cosmetic products, treatments, and recurring services, has been serving its community for over five years. With a customer base primarily composed of lower-middle-class individuals, including many immigrants with limited credit history, the business faced challenges in boosting sales and expanding its customer reach due to rigid payment models.
Hear From Businesses That Trust Shalem
“We’ve never seen anything like this—nothing even close. I’m beyond thrilled. This is exactly why Shalem exists, and it’s working for us! I couldn’t be happier.”
“Sebastian made a $6,000 sale—the biggest we’d ever had. Then Ariel said, ‘Let’s sell them more.’ So Sebastian asked for his help, and together they turned that $6,000 into a down payment for a $15,000 sale through Shalem.”
Daniel B. New York
“A client just received the letter at home, called the business, and begged us not to take any further steps. She said she would call the next day to pay everything she owes - and that’s exactly what happened. She called the next day and paid in full. It’s amazing how well this really works!”
Guy B. Denver, CO
“What an incredible sale! With Shalem’s support, I’m confident we’ll generate an additional $1,000,000 in revenue next year.”
Shai P, San Diego, CA
“Sebastian made a $6,000 sale—the biggest we’d ever had. Then Ariel said, ‘Let’s sell them more.’ So Sebastian asked for his help, and together they turned that $6,000 into a down payment for a $15,000 sale through Shalem.”
Daniel B. New York
“What an incredible sale! With Shalem’s support, I’m confident we’ll generate an additional $1,000,000 in revenue next year.”
Shai P, San Diego, CA
“A client just received the letter at home, called the business, and begged us not to take any further steps. She said she would call the next day to pay everything she owes - and that’s exactly what happened. She called the next day and paid in full. It’s amazing how well this really works!”
