One-Time Bill Pay (OTBP) is our patented option built into the PTS Tax Software allowing the taxpayer to direct a portion of their tax refund to pay for a loan, purchase merchandise, etc. This mechanism, utilizing a third party bank partner, enables the business to attract tax/merchandise customers, and virtually eliminates the risk of a tax related loan or credit based merchandise transaction.

Ability to Make Sales with 97%+ Probability of Payback.

PTS, through OTBP, will provide a mechanism that will enable you to make merchandise sales with a 97%+ probability of payback, and no collection requirements (loan and fees are directly deposited into your bank account).