Commerce & Billing FAQ

Financing, taxes, promos, billing cycles, and money flow.

Quick answers

What are financing terms? How does it work?

Reach is not a lender.

Reach does not set financing terms.

Financing is offered through third-party financing partners integrated into checkout.

How it works:

• financing options show during checkout (when enabled)

• the customer picks an option

• the financing partner handles:

  • credit checks and eligibility

  • repayment terms (APR, tenure), interest, and collections

Reach:

• runs the checkout flow

• records the transaction outcome for orders and reporting

The brand:

• contracts directly with the financing provider

• decides which products and plans are eligible

Financing terms are owned by the financing partner and the brand.

How are taxes calculated?

Reach calculates taxes using external tax engines.

During checkout:

• Reach sends transaction details (items, prices, ship-to / service location)

• the tax engine returns the applicable taxes

• Reach displays the calculated taxes to the customer

Tax rules, exemptions, and compliance configuration are owned by the brand.

How does money flow?

Payments are processed through the configured payment gateway or financing provider.

Reach records transaction confirmations to update orders and reporting.

Settlement flow depends on your contracted setup with the providers.

Reach is transaction-aware.

Reach is not a bank or a lender.

How does the promo system work? What promos can be enabled?

Reach includes a rules-based promotion engine.

Common promo types include:

• percentage discounts

• flat amount discounts

• device-specific promos

• plan-based promos

• cart-level promos

• promo / coupon codes

• agent-only promos

• financing-linked promos (when supported)

Promos can be configured with:

• start and end dates

• eligible channels (Web, App, Agent)

• stackable vs non-stackable rules

• customer eligibility criteria

Promos are configured in Reach.

Promos are defined and approved by the brand.

How do billing cycles work?

Billing cycles are defined by the brand.

Reach typically supports:

• monthly billing cycles

• one-time charges

• recurring charges

• mid-cycle plan changes applied on the next cycle (standard behavior)

Reach:

• calculates charges using configured billing rules

• generates billing records and reports

The brand:

• owns invoicing and statements

• owns collections and payment follow-up

Proration is not supported in the standard billing configuration.