Just curious...will you be paying the retailers up-front and dealing with the customers or just be a middle-man and the retailers receive payment as the customer pays?
I would be the middle man but I would have a contract with retailers where if customers did not pay then I would pay their part and that customer would be ban from the site...my thought is retailers would feel more comfortable if it less of a risk for them also customers would only be able to do one payment plan at a time to decrease the risk on my side