My-Payz is a loan exchange incorporated as a payment means within shopping carts. The exchange will present a shopper with multiple lenders offers to finance the current shopping cart without burdening existing credit lines. The loan is executed immediately and funds are transferred directly to the merchant. The monthly payment is collected via customer's credit/debit card. My-Payz will convert many abandoned shopping carts into paying customers thus pushing overall conversion rates through the roof. My-Payz was founded by Asher Ben-David.