The client will get what they want once they need it, and the service provider gets a customer they otherwise could not serve without such a solution in place. Any down fee is non-obligatory – the merchant decides, and the best part for the service provider is, he or she does not have to cut the price to make the sale – they can maintain firm at full retail!

On the one hand, the paper receipt is an incredible waste of assets. There’s an almost instinctual habits to immediately crumple it up and toss it into the nearest trash bin, …