FlexPath DXP Launches Personalized Shop-by-Payment Experience

The industry’s first personalized payment-shopping solution built around monthly budget and upfront cash.

FlexPath DXP today announced the launch of its new Personalized Shop-by-Payment™ (Personalized SBP™), a vehicle-shopping experience designed around how consumers actually make buying decisions: monthly payment and upfront cash, not vehicle price.

Personalized SBP allows consumers to explore a dealer’s entire new and used inventory together, using real monthly payments tied to verified identity and real credit. The experience begins with just a mobile phone number.

“Consumers don’t think ‘new’ or ‘used’ first,” said Tarry Shebesta, CEO of FlexPath DXP. “They think in terms of budget. Personalized Shop-by-Payment lets them see all vehicles that fit their payment and cash parameters.”

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Most buyers begin with two questions: What can I afford per month? and How much cash do I have upfront? Personalized SBP is built around that reality, cutting through the complexity of pricing, incentives, rebates, interest rates, lease offers, and finance terms.

Unlike most payment tools that require shoppers to select a single vehicle—or choose between new and used before seeing payments—Personalized SBP calculates and displays all qualifying vehicles at once, showing every vehicle across a dealer’s inventory that matches the shopper’s desired monthly payment and down payment.

Personalized SBP™ is powered by FlexPath’s patent-pending VeriQual™ identity-verified prequalification engine, which verifies identity and performs a soft credit pull before any payments are calculated. This ensures results are qualification-based and not estimates generated from self-reported form-fill data.

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Because calculations occur on a unified engine, payments are generated consistently across new and used inventory. The platform is also the only solution that supports lease calculations for new, used, and CPO vehicles within the same payment-shopping experience.

Beginning with verified identity instead of form fills, Personalized SBP reduces fraud exposure while improving lead quality and downstream efficiency for dealers.

Special Launch Promotion

To accelerate national adoption, FlexPath DXP is offering a limited-time pre-NADA promotion for dealers who enroll before February 1, 2026:

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