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Interested Merchants:

Current Merchants:


2101 S I-35 Frontage Rd Ste 400, Austin, TX 78741

415, 3332 – 20th Street SW, Calgary, AB T2T 6T9

Common questions

TuaPay Basics

If you find yourself in a situation where you haven’t had the chance to budget for something, TuaPay can help. Tua is a financial services company that allows consumers to buy goods or services and pay those purchases in fixed payments over time.

Tua breaks down the cost of an invoice into smaller, more manageable payments. The merchant is paid for the invoice up front, and you, the end consumer, have the ability to pay for your purchase in smaller payments over time.

The interest rate and term length are all dependent on what you are approved for, and what products are available for your TuaPay purchase. The repayment options vary between 6 weeks to 36 months and the interest rates can vary between 0% to 30% (APR).

TuaX4 is a flexible payment option that offers 0% interest option and is repaid over 4 payments. The payment schedule is outlined during the application process. It is important to note that the first payment is due on the day of approval, and it also is dependent on eligibility and approval.

As long as you are a U.S. resident over the lending age in your state, you are able to apply to TuaPay. You can apply through participating merchants.

If you have any questions, you can contact the Tua Care Team and one of our Tua Care Advocates will answer any questions you have.

How it works

You can sign up for TuaPay at the time of purchase with a recognized TuaPay merchant.

In order to make it a seamless experience for you, the money is directly paid to the merchant. After this, your payments for the purchase are made to TuaPay over a set period of time.

If you have applied through TuaPay, as long as you haven’t selected the product and clicked ‘Agree to Terms’, you are good to cancel at any point. Your credit score will not be impacted before this point.

The loan requirements are determined by several factors including your repayment history, and credit score. It is also important to note that you must be the individual applying for the loan, as people cannot apply on behalf of another individual.

Yes, Tua is obligated to report your repayment history.

Yes, you are able to make additional payments and/or pay off your account at any point, without penalties or fees.

If you were declined, Tua will email you further details. If you have any immediate questions, you are welcome to contact the Tua Care Team.

After you are approved, and have selected your flexible payment option, you will receive a confirmation email letting you know the invoice amount has been paid and a welcome email outlining instructions for registering for My Payment Center. After this, you are able to enter your payment information, view your balance, and set up automatic payments.


Tua pays the merchant directly shortly after the flexible payment option is approved. It is something the consumer doesn’t have to worry about after the flexible payment option is approved.

Once approved, you will be able to log in through My Payment Center. There you are able to add payment methods and set up recurring payments.

There are no fees if your TuaPay account is paid on time. The only two applicable fees TuaPay may impose is a late fee and a non-sufficient fund fee.

If a payment is not made on or prior to the due date, the late fee indicated in the Loan Payment Schedule will be imposed. The late fee is up to a maximum of $7.00. and will not exceed the maximum late fee permitted by applicable state law.

You may be charged up to a maximum of $50.00 non-sufficient funds fee. TuaPay will not exceed the maximum fee permitted by applicable state law.

Account Management

You are able to update your information through My Payment Center. Simply click on ‘Edit’ in the Account Summary section to make the necessary amendments.

TuaPay accepts various forms of payments. All options are outlined in your welcome email. You can conveniently make payments online through My Payment Center.

You are able to see all account balances and payments through My Payment Center. If you have any further questions, or if you would like to view your payout amount, you can reach out to the Tua Product Servicing Team via email, phone or chat, and they will be happy to assist.

You will receive a copy of your BNPL/loan agreement upon qualifying for and accepting a TuaPay option. Thereafter, your monthly statement is available through My Payment Center.