The Revolver Now Advanced Access Credit Card Platform-Turn Prospects Into Buyers
Frequently Asked Questions
General Questions
Everything you need to know about how Revolver Now works for your business. From platform basics to credit card options, we've got you covered.
What is Revolver Now?
Revolver Now is a platform that helps your customers find and apply for credit cards they can use immediately or shortly after approval—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.
Why Revolver Now?
Revolver Now provides you and your prospective customer another way of constructing your sale. As with other forms of customer financing, Revolver Now allows consumers to compartmentalize their high-ticket purchase without disrupting their existing resources. The credit cards featured in the platform are providers that will issue qualified consumers an account number they can use at the point-of-sale. And many of the cards featured have a 0% promotion period.
How is the best way to use Revolver Now?
Revolver Now is flexible and can be used as part of a transaction strategy or as the entire strategy. Some business partners use it as a way to collect deposits and as a bridge to the Credit Select Plus loan financing we provide, others will use it to complete the entire sale. While loan amounts through Credit Select Plus tend to be more predictable, the credit limits provided through credit cards are less predictable. In some cases, consumers will apply for and get approved for multiple credit cards to complete their sale.
Revolver Now is another tool we provide to give you the best chance possible to turn a prospect into a customer.
How does Advanced Access work?
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, or shortly after, that can be used for quick purchases—either online or via digital wallet in-store.
What credit cards are available through Revolver Now?
Chase
Premium rewards and travel cards
Capital One
Flexible credit options
American Express
Premium membership rewards
Citi
Diverse card portfolio
Discover
Cashback and rewards
And More
100+ cards from major issuers
We work with over 100 credit cards from major issuers. Our AI-powered matching system analyzes each customer's credit profile to identify the best possible matches from our extensive card database.
Will all possible credit cards be presented to my customer?
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.
Can a customer apply for more than one credit card?
Split Large Purchases
Divide a big transaction across two cards for better budget management
Backup Options
Apply for a second choice in case the first application isn't approved
Credit Inquiry Notice
Each application results in a separate hard credit inquiry from that issuer
Yes. Customers are free to apply for multiple credit cards from their recommended options. This can be beneficial in several scenarios. However, customers should be aware that each application will result in a separate hard credit inquiry from that card's issuer.
Pricing & Fees
There is no cost to your business for utilizing Revolver Now.
What is Byzly ?
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.
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
Will there be a charge to process the payment through my credit card processor?
Yes, normal credit card processing fees will apply. We suggest that you charge a 3% surcharge to your customer for processing by credit card. There is no other fee to your customer for paying through Revolver Now.
The Credit Process
Understanding how credit pre-screening and applications work helps you guide customers through the process with confidence.
Does the pre-screen affect my customer's credit score?
Soft Credit Pull
The initial pre-screen uses a soft credit pull, which does not impact your customer's credit score.
Hard Pull on Application
If the customer applies for a recommended card, the issuer may perform a hard credit pull, which may temporarily affect the credit score.
Can you guarantee my customer will be approved?
No, approval cannot be guaranteed. Our AI matching system recommends cards with the best likelihood of approval based on their credit profile, but the final approval decision is always made by the credit card issuer. People with FICO scores of 670 or higher are more likely to get high-ticket offers. Other criteria, such as debt-to-income ratio, can not be accounted for through the algorithm. Also, it is possible that items appear on a hard credit that does not appear on the soft credit pull.
Income & Employment
Verification requirements
Issuer Relationship
Existing account history
Recent Applications
Credit inquiry timing
Underwriting Criteria
Issuer-specific standards
Can you guarantee advanced access to the credit card?
No, advanced t access cannot be guaranteed. While we specifically recommend credit cards that typically offer instant or advanced card numbers upon approval, whether a customer receives instant access depends on several factors determined by the card issuer.
In most cases, approved customers receive their virtual card number within minutes, but some may need to wait 24 to 48 hours, or in some cases, for their physical card.
All of the cards in our system will issue prior to the physical card, but not all of them do it all of the time. It is important for the consumer to carefully go through the credit card application and approval process because instant access requires an assessment by the provider that issuing the card is low risk. If a red flag is thrown, they may rescind that privilege.
Will my customer be issued enough credit to complete the transaction with my business?
Like all credit, there are multiple factors to whether a consumer gets an approval, the terms of the approval and the amount approved for. Our pre-screening process can take a lot into affect, but not everything. The amount of the credit line will be will generally depend on the FICO score and income stated on the application as well as other debt obligations and the velocity of the debt incurred.
What information does my customer need to provide?
For the pre-screen, customers provide basic information including:
Full legal name
Current address
Annual income (for card applications)
For Merchants
Practical information about integrating Revolver Now into your business operations and maximizing its benefits for your sales process.
What types of businesses can use Revolver Now?
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
How do I track pre-screens and transactions?
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.
Real-Time Analytics
Monthly Statements
Full Visibility
Important Disclosures
Please ensure your customers understand the following:
All credit locks on credit must be removed in order to be prescreened and approved for credit cards.
Credit card approval is not guaranteed. Final decisions are made by card issuers.
Advance access to the card number is not guaranteed. Some approvals may require waiting for the physical card.
Applying for a credit card may result in a hard credit inquiry, which may temporarily affect the customer's credit score.
Credit cards carry interest charges if balances are not paid in full. Customers should review all terms and conditions before applying.
Byzly offers financing platforms, including Revolver Now, and is not a lender and does not make credit decisions.
Questions?
Contact our merchant support team at support@byzly.com. We're here to help you grow your business with Revolver Now.
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