- Amounts: Set by the customer's credit line. Terms: Card terms; promotional plans by program.
- Your cost: Not published; set in the program agreement.
- Paid: Not published.
- Read on Synchrony's own pages, October 9, 2026.
What Synchrony is
Synchrony is a customer financing provider. It is built for home improvement and HVAC businesses that want to offer a contractor credit card.
- Synchrony offers home improvement businesses the Synchrony Project Card, a credit card customers can use with your business and come back to.
- Partners get a Business Center, an Advertising Center for compliant marketing, a Learning Center and a Toolbox with a Payment Estimator.
- You can enroll by filling out the application, emailing or faxing it, or calling 1-844-866-8014 and choosing option 3.
- It has separate business pages for home improvement and for heating and air conditioning.
How it works for a contractor
You enroll as a Synchrony partner. Customers apply for the Project Card, and approved cardholders use their credit line on your work and on later jobs.
Because it is a card, a customer can use the same line again for the next project with you, which is the repeat business Synchrony points to.
What it costs you and your customer
The same seven columns for Synchrony and for financing on Koira's pay page, from each one's own pages.
| How the customer pays | Amounts | Terms | Customer APR | Your cost per job | When you are paid | Setup | |
|---|---|---|---|---|---|---|---|
| Koira pay page | Affirm or Klarna, chosen by the customer on Koira's pay page | Invoices from $50 to $30,000 | Set by Affirm or Klarna | Set by Affirm or Klarna; the customer sees it when they apply | Stripe's rate (Affirm 6% + 30¢, Klarna 5.99% + 30¢) plus Koira's 2%, 1% or 0.5% by plan | Into your own Stripe account, like a card payment | Nothing to apply for; it is part of the pay page on every plan |
| Synchrony | The Synchrony Project Card, a credit card for home improvement | Set by the customer's credit line | Card terms; promotional plans by program | Not published on the business pages | Not published; set in the program agreement | Not published | Apply by form, email, fax or phone (1-844-866-8014, option 3) |
From Synchrony home improvement and Stripe pricing for buy now, pay later, each read on its own site on October 9, 2026. "Not published" means the provider does not list it on its public pages, so ask. Rates and terms change and depend on the customer's credit.
Who Synchrony fits
- Contractors with repeat customers who come back for more work
- HVAC and home improvement businesses that want a known retail card name
- Shops that want marketing materials made for them
What to ask before you sign up
- Rates, promotional plans and merchant fees are not on its business pages; ask during enrollment
- A credit card works differently from an installment loan; explain the promotional terms to the customer
- Enrollment is a full partner application, not an instant sign-up
Financing on Koira's pay page
Koira's pay page offers Affirm or Klarna on invoices from $50 to $30,000, on every plan. The customer chooses to pay over time on the same page where they would pay by card, applies on their own phone, and the lender decides approval and terms. You never run credit or fill in a lender form.
What you pay is Stripe's published rate for the method the customer picks, Affirm 6% + 30¢ or Klarna 5.99% + 30¢, plus Koira's share of 2% on Office, 1% on Grow or 0.5% on Front Office. For jobs above $30,000, or if you want a dedicated home improvement lender, a provider like Synchrony can sit next to it.
Sources, each read on the provider's own site on October 9, 2026: Synchrony home improvement, Synchrony heating and air conditioning, Stripe pricing for buy now, pay later, Stripe pricing, and Koira pricing. We read each page's own text; we did not use summaries or third-party lists.