We guarantee the cash to the merchant and there is no liability if the customer does not pay, as long as the merchant follows the terms and conditions of the Agreement. EPS has developed an innovative in-house payent program that was designed for many types of small businesses. With the program, the merchant can extend payments to customers up to $5,000,up to 90 days with as many as 20 checks if necessary and without a credit check. And the best part the merchants money is guaranteed by a multi-billion dollar FDIC insured bank. the merchant have no risk, The money is Guaranteed!