This is my first time using PerPay, but so far I'm very satisfied. I was able to make a large purchase and they broke it into 8 affordable payments that are routed into my payment account from my paycheck. It's a great idea for people who have bad credit or no credit or even if you don't want to pay outrageous interest on your credit card. You have to follow the directions carefully to set up the payment process, but if your company uses a payroll service like ADP, it's super easy. Just don't forget to stop the payments after you've paid the balance. They shipped my order after the first payment. That's why they need our SSN. What if someone doesn't finish paying for their purchase? Then they have a right to report it to the credit bureau.