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About Figure Pay

Get the best of “buy now, pay later” PLUS the benefits of a bank account, money transfer, and credit card all-in-one. With no unnecessary bank account and credit card fees. Download Figure Pay today!
Pay $0 in fees - Figure Pay does not charge any fees for the FDIC-insured deposit account. You’re welcome! Enjoy a deposit and payment account with $0 monthly fees and no minimums.
Need credit? - Figure Pay has you covered for buy now, pay later purchases in four easy installments. Some may qualify instantly. Earn point-of-sale credit by making deposits for three consecutive months.
Get a $50 bonus* - We're giving you $25 when you set up your account, with another $25 when you connect your bank account and transfer in $100.
Transfer money easily - Sending and receiving money with your family and friends is just a few taps away with Figure Pay.
Sign up in minutes - Setting up an account is easy and can be done in a few simple steps. Start transacting immediately, and begin to earn access to credit.
Refer a friend and get rewarded - You get $5 and they get $5 when they sign up. Max $25 in referral bonuses per account holder. Currently available for Montana residents only. Additional terms apply.
Support your local businesses - shop with participating retailers and everyone wins! Figure Pay is great for merchants as it saves money on transaction fees and payments process immediately in real-time.
Visit us at to learn more. See Figure Pay FAQs for details.
Merchants can use Figure Pay to accept payments for goods and services, transacting at a fraction of the cost.
80% savings on transaction fees - Fees are 0.5% (versus 3% with a credit card). With minimal interchange fees, Figure Pay is a fraction of the cost of traditional platforms.
Instant settlement for payments - Money you earn goes into your account immediately, transactions are processed in real-time - no need to wait days.
Contactless payments - Protect both you and your customers with a completely touch-free payment platform while maintaining a revenue stream for your business.
Secure technology - Transact directly, reducing costs and friction in the process. Deposits in Figure Pay are eligible for FDIC insurance. Plaid technology is used to securely connect with external bank accounts.
No equipment to buy or manage - Merchants can use the seamless Figure Pay app as a terminal accepting payments from a phone or tablet, without adding any devices or hardware.
Figure Payments Corporation dba Figure Pay | NMLS #2033432
The Figure Pay-branded demand deposit account is held at UMB Bank, n.a., member FDIC, with program management services provided by Figure Payments Corporation. The Figure Pay Credit Loan is offered by Figure Lending LLC. Montana Consumer Loan License #1717824 Licenses
Figure Pay is currently available for use only in Montana, by individuals and businesses with a local Montana address. Figure Pay will expand its availability based on regulatory approval on a state by state basis. For any questions regarding Figure Pay, including availability, please call Figure Pay customer support at 1-800-260-1795.
Please see for details.