B&H Photo has officially launched their own credit card which offers users a loyalty reward that is designed to counteract sales tax on purchases.

This incentive is meant to set B&H Photos payment option apart from its competitors (namely Best Buy and Amazon) who offer no such payback to customers.

The credit card is available with no annual fee and customers can apply through bhphotovideo.com to receive an instant credit decision. The card is backed by Synchrony Bank with a revolving credit limit for any B&H purchased made online, in-store, or by phone.

B&H Photo CEO, Menashe Horowitz, sent out the following message prior to the office launch of Payboo.

Nearly one year ago, the Supreme Court ruled that out-of-state retailers must collect sales tax on internet sales. This, of course, included B&H. For 46 years we have been committed to providing unparalleled customer service, and so we began the tedious process of implementing a way to eliminate the impact this ruling would have on our customers.

We are now ready to launch “Payboo”, the solution to the sales-tax challenge. Tune in tomorrow for details on how to become a part of “Payboo”!

I know you have many shopping choices for creative gear and consumer electronics, but with “Payboo”, there will only be one best choice: B&H!

I look forward to a continued great business relationship and remember, at B&H, the customer always comes first. That’s why we’ve created “Payboo” to solve the sales tax impact for you.

We have included the Frequently Asked Questions about Payboo below.

Payboo FAQ from B&H Photo

What is the B&H Payboo Credit Card?
B&H offers customers the Payboo Card credit card through Synchrony Bank with a revolving credit limit for any B&H purchases made online, in-store, or by phone.

What are the B&H Payboo Credit Card benefits?
B&H issues instant Payboo Card Savings on all non-tax-exempt purchases shipped to eligible states paid for with the Payboo Card in the form of a reward concurrently issued and redeemed directly on your order during checkout.

How does the Payboo Card benefit really work?
When you use the Payboo Credit Card to pay for purchases made in our SuperStore or shipped to eligible states, B&H will charge the total of the merchandise plus applicable fees and taxes; but we will instantly issue and apply a reward at checkout (you will see “Payboo Card Savings”). Thus, the benefit will be automatically applied, and the Payboo Card will only be charged the net amount.

Am I paying sales tax on my purchase?
Do I need to submit anything in my tax filings?B&H will collect and remit state sales tax in accordance with state sales tax laws and regulations. So, customers do pay required sales tax and do not need to keep track or file anything separately.

Is there any limit or cap on the total amount of Payboo Card savings?
No. B&H will issue Payboo Card Savings rewards without any upper limit.

How can I tell how much I may save when I use the Payboo Card?
Just click on Check Savings > link on the Payboo Card page on our website and enter your ship-to zip code. Savings vary based on shipping destination.

Where can I use the Payboo Card?
The card may be used to pay on our websites, on our mobile app, in our NYC SuperStore, or by phone. Payboo is only available for use at B&H (i.e. it is not a Visa, MC, Amex, DC, etc).

Is the Payboo Card valid for purchases on B&H B2B and/or EDU Portals?
While Payboo is a personal credit card and not a corporate or business card, it can be used to pay for orders via our B&H B2B and EDU portals.

Who can apply for / use the B&H Payboo Card? 
Individuals with a U.S. billing address and a valid SSN/ITIN may apply. Cardholders are subject to credit approval. Anyone with permission may use the card.

Can I use Payboo to pay for an order that I ship internationally?
Yes, the Payboo Card can be used to make all purchases from B&H however, there will not be any Payboo Card Savings on internationally shipped orders.

Do I need a B&H Payboo Credit Card if I already have a B&H financing credit card?
Yes. To get the Payboo Card benefits, you need a Payboo Card. B&H Payboo Card benefits are not transferable to the B&H financing credit card. Similarly, B&H financing credit card benefits and offers are not transferable to the Payboo Card.

How do I apply for a B&H Payboo Credit Card?
You can apply for a B&H Payboo Credit Card here. Get a decision instantly. If approved, you will receive a confirmation screen instantly that you must save to use your account before your physical card arrives by mail. If you are not approved instantly, you will receive a subsequent letter with additional information from Synchrony bank within 30 days.

Can I place an order with my Payboo account if I don’t have my physical Payboo Card with me?
You may save your Payboo card to your B&H online Account under My Info, Payment Options. If you do not have your Payboo Card saved in your Payment Options, you may contact B&H at 800.606.6969 to place an order by phone. Trained B&H representatives may be able to look up cardholder account numbers to place an order, if provided verified cardholder information. B&H will NOT save any cardholder information, other than to place your order.

Where do I check the status of my account?
To check the status of your B&H Payboo Credit Card account, click here to learn more and manage your account on Synchrony Bank’s website.

After logging into your account, you will be able to:

  • View your balance 
  • Make a payment
  • Schedule up to your next 12 payments
  • Update your account information
  • Report lost/stolen card or account information
  • Request a credit line increase

For additional information, visit bhphotovideo.com.
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