Imagine making a major purchase online and having the sales tax instantly refunded back to you at checkout. Sounds too good to be true? Thanks to payboo, it’s a reality for many savvy shoppers.
Especially popular among photographers, tech enthusiasts, and business owners, payboo helps customers save significantly when buying expensive equipment from B&H Photo Video.
This guide will walk you through everything you need to know about payboo, from how it works to how it can help you save hundreds—if not thousands—over time.
Table of Contents
- What Is Payboo and How Does It Work?
- The Connection Between B&H and Payboo
- How Payboo Offers Instant Savings
- Key Features and Benefits of Payboo
- Payboo vs Traditional Rewards Credit Cards
- Eligibility and Application Process for Payboo
- How Much Can You Really Save with Payboo?
- Ideal Purchases for Maximum Payboo Savings
- Table: Payboo Key Features at a Glance
- Customer Experiences and Real-Life Examples
- Things to Consider Before Applying for Paybo’o
- Tips for Using Paybo’o Responsibly
- Conclusion
- Frequently Asked Questions (FAQ)
What Is Payboo and How Does It Work?
Payboo is a specialty credit card issued by Synchrony Bank and specifically designed for use at B&H Photo Video, one of the largest and most trusted electronics retailers in the United States.
The core feature of payboo is simple:
When you make a qualifying purchase at B&H using your paybo’o card, you instantly receive a discount equal to the applicable local sales tax.
Instead of paying full price plus tax, you effectively just pay the base price, making large purchases significantly more affordable.
The Connection Between B&H and Payboo
B&H Photo Video, headquartered in New York City, has long been a favorite among professionals and hobbyists for electronics, cameras, computers, and more.
Understanding that sales tax can be a major deterrent for big-ticket purchases, B&H created a partnership with Synchrony Bank to launch paybo’o.
It’s their way of giving customers an incentive to keep shopping on their platform without getting bogged down by hefty tax costs.
How Payboo Offers Instant Savings
Here’s the magic behind the scenes: when you use paybo’o, B&H charges you the full amount, including sales tax, but immediately applies a loyalty benefit to your transaction that matches the tax amount.
Example:
- You buy a camera for $2,000 in a state with 8% sales tax.
- Normally, your total would be $2,160 ($2,000 + $160 tax).
- With paybo’o, you still pay $2,000 because the $160 is credited back to your account instantly at checkout.
It’s not a rebate you have to apply for later—it happens in real time.
Key Features and Benefits of Payboo
The paybo’o credit card comes with several attractive benefits:
- Instant Sales Tax Savings: Immediate discount equivalent to your state’s sales tax.
- No Waiting for Rebates: Unlike cashback offers, savings are instant.
- Large Purchase Rewards: The more you spend, the more you save on tax.
- No Hidden Fees for Savings: The tax savings do not incur additional charges.
- Excellent Customer Service: B&H is known for handling issues quickly and fairly.
Payboo vs Traditional Rewards Credit Cards
When comparing paybo’o to other store or general rewards credit cards, several differences stand out:
| Aspect | Payboo Card | Traditional Rewards Card |
| Primary Benefit | Instant sales tax discount | Points, cashback, or miles |
| Usability | Only at B&H Photo Video | Anywhere that accepts the card brand |
| Reward Redemption | Instant at checkout | Must accumulate and redeem later |
| Annual Fee | No annual fee | Varies depending on the card |
| Value on Large Purchases | High (especially for electronics) | Depends on points/cashback structure |
For frequent B&H shoppers, paybo’o typically offers superior immediate value compared to chasing points or cashback.
Eligibility and Application Process for Payboo
Applying for a payboo card is straightforward:
- Visit the B&H website.
- During checkout or from the Paybo’o page, click to apply.
- Fill out a simple online application with Synchrony Bank.
- Receive a credit decision in seconds.
Requirements generally include being at least 18 years old, having a U.S. address, and a valid Social Security number. A soft or hard credit check may be performed during the application process.
How Much Can You Really Save with Payboo?
Savings with payboo scale up with the size of your purchases. Here’s a rough breakdown:
| Purchase Amount | Average Sales Tax (8%) | Savings with Payboo |
| $500 | $40 | $40 |
| $1,000 | $80 | $80 |
| $2,500 | $200 | $200 |
| $5,000 | $400 | $400 |
If you make multiple purchases a year, the savings can quickly add up to several hundred or even thousands of dollars.
Ideal Purchases for Maximum Payboo Savings
Paybo’o shines when used for:
- Cameras and professional photography gear
- Computers and workstations
- Home studio equipment
- Audio and video production tools
- High-end drones and accessories
- Tablets, monitors, and graphics equipment
For smaller purchases, the savings may not seem huge, but for larger investments, paybo’o can make a significant difference.
Table: Payboo Key Features at a Glance
| Feature | Description |
| Instant Sales Tax Savings | Rebate applied at checkout, matching sales tax amount |
| No Annual Fee | Keep it open with no yearly maintenance cost |
| B&H Exclusive | Only usable at B&H Photo Video |
| Quick Approval | Instant credit decision online |
| Great for Big Purchases | Savings multiply with larger purchase amounts |
Customer Experiences and Real-Life Examples
Many customers have reported outstanding experiences with paybo’o:
- Washington State User: Saved over $300 in a single year purchasing video production gear.
- California Freelancer: Bought a new MacBook Pro and saved $290 instantly using paybo’o.
- New York Studio Owner: Outfitted an entire photography studio and offset thousands in sales tax.
Beyond savings, users appreciate B&H’s fast shipping, professional service, and easy returns, making the entire shopping experience stress-free.
Things to Consider Before Applying for Payboo
While paybo’o offers fantastic benefits, it’s important to be aware of a few considerations:
- High Interest Rates: Like many store cards, the APR can be relatively high if you carry a balance.
- Limited Use: The card can only be used at B&H, so it’s not ideal for everyday spending.
- No Traditional Rewards: If you prefer points, miles, or general cashback, you might miss that structure.
Thus, it is best to use paybo’o for planned purchases you can pay off in full right away.
Tips for Using Payboo Responsibly
To maximize benefits and avoid pitfalls:
- Always pay your balance in full each month to avoid interest charges.
- Use it only for big purchases where tax savings outweigh potential risks.
- Monitor your account for any changes in terms or fees.
- Keep track of your spending to maintain healthy credit habits.
This way, you enjoy all the perks without any financial drawbacks.
Conclusion
For anyone who makes large purchases at B&H Photo Video, payboo offers one of the easiest and most rewarding ways to save instantly.
By covering your sales tax in real-time, it lowers your cost without the need for complex reward points, rebates, or waiting periods.
If you are planning to buy expensive electronics, cameras, or computers, using payboo can lead to significant savings year after year.
Just remember to pay off your balance promptly to truly maximize the benefit.
Frequently Asked Questions (FAQ)
Can I use Payboo outside B&H?
No, the card is exclusive to B&H Photo Video purchases.
Is there an annual fee for Payboo?
No, there is no annual fee associated with the payboo card.
Do I still get savings if I finance my purchase?
No, if you choose special financing, you typically do not receive the sales tax benefit.
Is the sales tax discount applied automatically?
Yes, once you are approved and check out using payboo, the sales tax savings are applied immediately.
Can businesses use Payboo for corporate purchases?
Absolutely, especially if they frequently buy electronics or studio equipment from B&H.
