Cell Phone Retailers

Build Simple, Secure & Profitable In-House Payment Plans

Our advanced software platform enables you to offer premium smartphones and accessory bundles with your own flexible "buy now, pay later" payment options.

Smartphones

Trusted by 1,000+ Mobile Retailers Across the U.S.

Join hundreds of mobile stores already growing faster with our in-house payment platform.

Why Choose In-House Payment Plans?

More Affordable for Customers, More Profitable for Your Business

Expand Customer Reach

Approve customers directly and break free from third-party finance companies rejecting your potential buyers.

Boost Sales Power

Create custom payment plans for Apple and Android devices, tablets, and profitable accessory bundles.

Generate Residual Income

Build continuous cash flow instead of settling for small commissions from external finance providers.

Enhance Customer Service

Adjust payment schedules and amounts instantly to accommodate customers in special circumstances.

The RTO Devices Platform

Unlock Your Store's Full Sales Potential with Custom Payment Solutions

Personalized Payment Options

Design payment plans that match customer budgets, free from rigid third-party constraints.

Unlimited Product Offerings

Create flexible plans for iPhones, Android devices, tablets, repairs, and accessory bundles.

Automated Payment Reminders

Automatic text notifications keep customers informed about upcoming payments and due dates.

Comprehensive Data Analytics

Access detailed management reports and audit trails for all transactions across stores and employees.

Payment Plans Dashboard
Multiple Payment Methods

Accept payments in-store via cash, card, mobile apps, or phone transactions.

Auto Bill Pay Integration

Seamless automatic payments with funds deposited directly into your business account.

Secure Card Storage

Safely store multiple payment cards using advanced tokenization technology.

Real-time Card Validation

Instant payment card verification ensures cards are ready for processing on due dates.

Payment Processing
Security-First Approach

Utilize our auto-lock feature to restrict device usage when payments are overdue, with immediate restoration upon payment completion.

Multi-layer Protection System

Advanced device locking technology deeply integrated into device operating systems with automatic IMEI registration.

Universal Device Compatibility

Works seamlessly with Android OS and Apple iOS devices, including iPads and Galaxy tablets with or without SIM cards.

Automatic Lock Removal

Devices are automatically unlocked and control released upon successful completion of payment plans.

Device Security
Complete Customer Information

Capture full customer names for ID verification without requiring Social Security Numbers.

Automated ID Documentation

Use employee mobile cameras to securely capture valid customer IDs without storing images on personal devices.

USPS Address Validation

Real-time connection to United States Post Office database for instant customer address verification.

Payment Card Verification

Comprehensive card validation including name, address, and CVV matching with customer-provided information.

Full Customer Name
SSN Not Required
Automated ID Capture
Secure Documentation
USPS Validated Address
Real-time Verification
Payment Card CVV
Secure Validation

Numbers Speak Louder Than Words

Compare the Financial Benefits of In-House Payment Plans

Third-Party Finance Company

You surrender control and potential profits while potentially sharing valuable customer data with competitors.

Cash Price: $750
Weekly Payment: $30
Total Customer Payment: $1,687.25
Your Profit: $125
*Illustrative example based on public third-party finance data

RTO Devices In-House Platform

Maintain complete control over pricing and profits while building customer loyalty and repeat business.

Cash Price: $750
Weekly Payment: $21.5
Total Customer Payment: $1,363.75
Your Profit: $863.75
*Based on national averages from RTO Devices platform users

"With RTO Devices, you earn $738.75 more profit per plan while customers save $323.5"

Schedule Discovery Call

Calculate Your Profit Potential

Use our interactive calculator to see how much you could earn with in-house payment plans

Explore Profit Calculator