Wisetack Financing FAQ

Common questions about Wisetack financing, eligibility, pricing, customer applications, and payouts in PaintScout.

Find quick answers to common Wisetack questions, including eligibility, fees, customer approvals, payout timing, and setup.

The Wisetack integration is only available to companies located in the United States.

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General questions

What jobs qualify for Wisetack financing?

Wisetack financing appears on estimates and invoices between $500 and $25,000.

Do I need to add financing manually to each estimate or invoice?

No. Once Wisetack is connected, the financing banner appears automatically on eligible estimates and invoices.

How does my customer apply?

Customers can apply directly from the estimate or invoice. You can also send them a financing application link by text.

Who is ineligible?

If your contacts are registered as a company in PaintScout, they are ineligible to apply for financing.

How long are financing options?

Approved customers can choose terms from 3 to 60 months.

Will applying affect my customer's credit score?

Customers can check their options through Wisetack without impacting their credit score.

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Pricing and payouts

How much does Wisetack cost me?

Wisetack financing costs 3.9% per approved transaction. There is no setup fee, no flat fee per transaction, and no separate credit card processing fee.

How much does financing cost my customer?

APR ranges from 0% to 35.9%, depending on the customer's eligibility and selected term. All financing is subject to credit approval. See wisetack.com/faqs for details.

For example, a $1,000 purchase could cost $45.18/month for 24 months at 7.9% APR, or $333.33/month for 3 months at 0% APR.

When do I get paid?

You receive full payment within 2 to 3 business days after your customer confirms the work is complete.

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Setup and availability

How do I turn on Wisetack?

Go to Account Settings → Integrations. Open Wisetack and complete the application. Approval usually takes 3 to 5 business days.

Why can't I see Wisetack in my integrations?

If Wisetack is not listed, contact PaintScout support through chat or email [e-mail].

Can customers apply after they already approved the estimate?

Yes. Customers can still use the financing option after approving the estimate, as long as the document is still eligible.

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Advanced financing options

Can I offer 0% APR financing?

Yes. Wisetack offers optional 0% APR add-ons for extended promotional terms. Your fee changes only when a customer qualifies for and selects one of those options.

See Wisetack 0% APR Add-ons.

Can I split financed jobs into multiple payouts?

Yes. If approved for Wisetack Progress Payments, you can split a financed job into an initial payout and a final payout.

See Wisetack Progress Payments.

Can I turn off the integration?

Once you connect Wisetack, financing is available on all eligible documents and cannot be turned off for individual estimates.

If you want to disable the integration entirely, contact the Wisetack Support Team.