Industry solution
Payment processing and BNPL for Solar & Home Improvement
Long-term financing that makes the monthly payment the pitch
Apply Now →What payment problem do Solar & Home Improvement businesses face?
The payment challenge is specific to the way this business sells, its ticket size, and the review it may receive.
Solar and home-improvement projects are often sold after an in-home consultation, with a contract price that is far beyond a single card limit. The payment decision must fit the signed scope, deposit schedule, and installation timeline rather than becoming a separate follow-up after the representative leaves.
The project can also have a long fulfillment window between contract, scheduling, installation, and final collection. Payment processing materials must accurately describe that timeline, the merchant's role, cancellation practices, and how customer payments are authorized.
How can Solar & Home Improvement businesses make checkout more flexible?
PayFull brings payment paths and operational context together, subject to the business and underwriting.
More ways to pay
Present appropriate card, wallet, bank-payment, and financing paths in one checkout.
A stack built around the ticket
Match the payment conversation to a typical $10,000–$75,000 purchase without promising a particular option.
A conversation before assumptions
Review the business, customer journey, and payment needs before discussing what may be available.
Which financing options are typically considered at this ticket size?
These are options typically considered at this ticket size, not a statement of provider availability. Availability depends on the business, its history, and underwriting; financing is subject to credit approval.
Affirm
A potential checkout option to discuss for this ticket range. Affirm availability for Solar & Home Improvement depends on the business, its history, and underwriting.
View Affirm details →SplitIt
A potential checkout option to discuss for this ticket range. SplitIt availability for Solar & Home Improvement depends on the business, its history, and underwriting.
View SplitIt details →What could a typical payment illustration look like?
This example shows the math for a hypothetical purchase, not an offer from a named provider.
Assumption: $10,000 financed over 24 months at 24% APR: approximately $528.71/month.
Illustrative example. Actual rates and terms vary by provider and applicant and are subject to credit approval.
What compliance context matters for Solar & Home Improvement?
Payment processing should fit the business’s customer-facing practices and its own obligations.
Keep the contract, payment authorization, deposit and final-payment schedule, cancellation terms, and refund policy consistent with the work actually offered. This information is not legal advice; businesses should obtain qualified review of their own sales, consumer-disclosure, contracting, and payment practices. PayFull describes payment infrastructure only.
Common Solar & Home Improvement payment questions
Direct answers to the questions operators commonly raise before discussing a payment stack.
Why does an in-home project need a tailored payment flow?
The contract may be signed during a consultation while installation occurs later, so the payment authorization and customer terms should reflect the actual project schedule.
What can underwriting review for solar or home improvement?
Underwriters may review the website, contract flow, project description, deposit practices, delivery timeline, cancellation terms, and refund policy.
Are financing options automatically available for a project?
No. Availability depends on the business, its history, ticket size, and underwriting. Financing is subject to credit approval.
Can checkout include more than one payment path?
A business may discuss card, bank-payment, and financing paths that may be available for its transaction model and underwriting file.
Does PayFull assess a project's construction work?
No. PayFull provides payment-processing information only and does not evaluate the project or work performed.
Related industries
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High-AOV goods with financing at the point of decision
Coming soonFinancing disclosures
- All financing is subject to credit approval. Ranges shown are typical; every provider sets limits per customer and per merchant, and approved amounts, terms, and rates vary by applicant.
- Availability of any given provider depends on your industry, ticket size, and underwriting outcome. Not every provider is available to every merchant.
- PayFull is not a lender or a bank. Loans and financing are originated by the lending partners named above.
- Originating lenders: Affirm: Affirm's lending partners; Cross River Bank, Sutton Bank, or Celtic Bank.
- SplitIt is not a loan and not a BNPL product in the lending sense. It places an authorization hold against the available credit on the customer's existing credit card and charges installments to that card over time. That's why there's no application, no credit check, and no interest — but it also means the customer needs enough available credit to cover the entire purchase at checkout, the merchant is funded per installment rather than upfront, and chargebacks work like any normal card transaction. Debit cards and prepaid cards are not supported. Visa and Mastercard are accepted; Amex, Discover, and UnionPay depend on the merchant.
Start accepting payments the way your business actually sells.
Set up in days, not months. White-glove onboarding included on every plan.
Talk to us before you commit to anything.