Increase sales,
Get paid upfront.

Arta Pay is finance built for the art, luxury & collectibles industry. 10 monthly payments for collectors. You’re paid upfront.

Get Started with Arta

HomePurchasesOrganizationIntegrations

Untitled, 1982

$40,000.00

SettledArta paid you the full sale amount.

Seller payoutJan 29$40,000Sent

View purchase →

+$40,000Paid to your account

How works

Join the art, luxury and collectible businesses moving casual buyers into serious collectors.

1 Tell us about your businessA short application. Most sellers are approved in a day.
2 Add Arta Pay to checkoutBuilt for however you sell. Online or invoice-based, either works.
3 Start sellingRun your first transaction. We handle approvals, payments and the repayment risk.

Get Started

HomePurchasesOrganizationIntegrations

marchandfineart.com/checkout

Seller application

Business nameMarchand Fine Art

What you sellArtWatchesJewelryCollectibles

Websitemarchandfineart.com

Average order value$25,000

Approved

MARCHAND FINE ART

Untitled, 1982Oil on canvas$40,000

Shipping$450Taxes$3,550Total$44,000

Payment

Credit card

10 monthly payments

Purchases

Untitled, 1982Collector approved · Today$40,000Paid

Diamond necklaceCollector approved · Jan 22$18,500Paid

Vintage chronograph, 1968Collector approved · Jan 19$12,400Paid

Bronze figureCollector approved · Jan 16$9,200Paid

Paid to you this month$80,100

Safety

Good for buyers,
Better for business

Once a buyer is verified and approved, Arta pays you in full and assumes the fraud and buyer repayment risk.

No chargebacksThe fraud risk sits with Arta, not with you.
No processing feesNothing is deducted from what you are paid.
Paid within 5 business daysArta settles the full order value.

HomePurchasesPayouts

Paid out this month

$118,600

Fees$0.00

SaleAmountFeesStatus

Untitled, 1982Paid Fri · 4 days$40,000$0Paid

Diamond necklacePaid Wed · 5 days$18,500$0Paid

Vintage chronographPaid Mon · 3 days$12,400$0Paid

Bronze figurePaid Jan 16 · 5 days$47,700$0Paid

No chargebacksRepayment risk on Arta

Scalability

Built for your checkout

Offer in your checkout, or on a single sale straight from an invoice. Start with one purchase, and integrate whenever you’re ready.

POST /v1/purchases

{
  "amount": 40000,
  "currency": "USD",
  "payment_method": "arta_pay",
  "installments": 10
}

200 OK
{
  "id": "pur_8f2ad41c",
  "status": "approved",
  "seller_payout": "5 business days"
}

Checkout

Virgen de las Arpíassiglo XVII $40,000

Payment method

Credit card

or

Pay

10 monthly payments

FAQs

What is Arta Pay?

Arta Pay is finance tailored for art, luxury & collectibles.

Collectors buy more often and at higher prices when they can choose 10 monthly payments instead of paying upfront.¹

Sellers get paid within 5 business days and Arta takes full repayment risk.

¹Current US BNPL finance benchmarks. Shown for illustration, not a guarantee of performance.

Higher Spend: RBC Capital Markets Report 30%-50% increased AOV (Average Order Value); Klarna 40% increase; Affirm 70% increase in AOV.

Increased conversions: RBC Capital Markets Report 20%-30% increase conversions; Klarna 20%, Affirm 20%-30%

How does it work?

Create a Sellers account with Arta and provide required business information
Add a payout account
Offer Arta Pay to buyers on your website, product pages and at checkout
For any buyer that uses Arta Pay, receive payment in full within 5 days

US collectors only (for now), sellers can be worldwide (outside US).

Purchases in another currency will be converted to USD for monthly repayments.

How does Arta Pay help me sell more?

+30%–50% higher spend enabled¹

Collectors extend their budgets and reach higher price points when they can spread the cost over 10 monthly payments

+20%–30% increased conversion¹

When collectors are approved for finance and can pay over time, conversions increase 20% - 30% (lookers become buyers)

¹Current US BNPL finance benchmarks. Shown for illustration, not a guarantee of performance.

Higher Spend: RBC Capital Markets Report 30%-50% increased AOV (Average Order Value); Klarna 40% increase; Affirm 70% increase in AOV.

Increased conversions: RBC Capital Markets Report 20%-30% increase conversions; Klarna 20%, Affirm 20%-30%

Are there any setup charges or ongoing fees to sell with Arta Pay?

There are no setup charges or ongoing fees for partners of Arta Pay. Our business model is built around mutual success.

When do I get paid?

You will be paid by Arta Pay within 5 working days from purchase activation.

What if a buyer misses a repayment or defaults?

Arta Pay carries full risk on repayment. You will not be impacted if the buyer misses a repayment or defaults.

What happens in the event of repossession?

Arta bears buyer default and non-payment risk from Confirmation. In the event Arta repossesses an item (for example, due to buyer non-payment), you will be offered a first right of refusal to repurchase or re-sell the item on mutually agreed terms before Arta offers it to the market generally. All risk associated with the financing remains with Arta.

I have my own payment plans, why wouldn’t I just offer that?

Arta Pay is much more than a payment plan, it’s a powerful sales conversion tool for collectors at all levels.

Payment plans are a work around, not a solution. Arta Pay simply solves the problem better.

Your collector enjoys the work from day one, you can pay your artist/consignor up front, no more awkward chasing your collector for payments, no storage issues, no more cash tied up.

Arta Pay solves the cash flow issue as well as being a powerful sales tool.

When can I release the work?

Work can be released to the buyer once the following steps are complete. Releasing work prior to completing these steps will be at your risk.

For e-commerce integration partners, immediately
For non-integrated partners, once you receive notification from Arta (generally as soon as an approved buyer’s deposit clears)
Sellers get paid by Arta within 5 business days

Can a buyer purchase multiple artworks at one time?

Yes. Your invoice can show multiple works, or an approved collector may buy multiple works on different invoices.

Can I offer Arta Pay to buyers outside the US?

Arta Pay is currently available to buyers who are permanent residents or citizens of the United States. We plan to add more countries soon.

I am a seller outside the US. Can I offer Arta Pay?

Yes. Sellers can be based anywhere in the world. Your buyers need to be permanent residents or citizens of the United States.

Where a buyer purchases in a currency other than USD, they approve an exchange rate on the date the sale is finalized and repay in USD. Arta pays you in your selling currency and assumes all exchange risk on the transaction.

How do I best utilize Arta Pay?

Following best practice provides best results

Offer the Arta Pay option at point of decision - on product/artwork pages, in sales conversation and marketing comms. The earlier the better.
Pre-qualified, purchase-ready clients close more often. The earlier in the sales process they are aware of the Arta Pay option, the more likely you are to close the sale.
Checkout options increase conversions. Fully integrated e-commerce options are available.
Your onboarding will include supporting resources and best practice tips to set you up for success.

Can shipping, framing and tax be included in an Arta Pay purchase?

Yes. Shipping, framing and taxes can all be included in the total purchase amount. Arta Pay finances the full invoice.

Keep in mind that the Arta Pay fee will be inclusive of these additional costs if added.

How do I deal with returns or changes to the sale after shipping?

The same as you would with any other payment method. The sale is between buyer and seller, Arta Pay as the finance provider does not get involved. Should a valid return be agreed in writing between buyer & seller, Arta will support the process and reverse the financing if required (if payments have already been made by buyer and/or to seller).

Does the deposit have to be exactly 10%?

The buyer is required to pay a minimum 10% deposit, however may pay a higher deposit should they choose to do so.

For sales of work above $100K, a sliding scale of up to 50% minimum deposit is implemented.

Can a buyer pay off their purchase early?

Yes, they may pay some or all of the outstanding balance of their account at any time and there is no penalty for doing so.

Who is Arta?

Arta is the commerce platform for art, luxury and collectibles, used by galleries, auction houses and marketplaces to ship, insure and track work.

Credit to collectors is extended by Lead Bank, a Missouri-chartered bank, and Arta Pay services the account.

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Buying rather than selling? Apply for your own Arta Pay credit line.

Arta Pay for collectors