Marketplace and credit builder for working Americans. Perpay is a fintech company headquartered in Philadelphia, Pennsylvania. Founded in 2016, it helps working Americans spread the cost of everyday purchases with paycheck deductions and supports them in building credit. Perpay offers an online Marketplace for interest-free, paycheck-deducted purchases and a unique credit card that reports timely payments to major credit bureaus, helping users improve their credit scores. The platform is dedicated to financial inclusion, serving people underserved by mainstream credit systems. Perpay's impactful approach has led to users seeing notable credit score increases within just a few months of use. The company became a Certified B Corporation in 2025, reflecting its mission to create positive social outcomes. Perpay employs about 108 people and continues to expand, focusing on affordability, accountability, and simplicity. Recent financial information is not publicly available.