Choosing a Pricing Strategy | C2FO Help Center
Choosing a Pricing Strategy
Written by Lauren Bock
June 4, 2026
On the Build Offer rate step, select the pricing strategy that is right for you.
Pricing Strategy Comparison
| Feature | Express Accept | Trending Rate | Name Your Rate | Existing Rate |
| What it is | A one-time rate optimized for the best overall acceptance | A C2FO recommended rate for a competitive offer | A custom rate you enter | The existing rate |
| Primary benefit | Instant acceptance | Strong chance of acceptance without picking a custom number | Full control over cost | Keeps your current rate—no re-entry |
| Who sets the rate | C2FO suggestion | C2FO suggestion | You | Your prior offer configuration |
| Typical acceptance | Highest; immediate (express market processing) | Above Average; reviewed at market processing | Depends on the rate you choose | Same as your existing offer |
| Frequency Availability | One-Time only | Both One-Time and Recurring | Both One-Time and Recurring | Both One-Time and Recurring (when a rate already exists) |
| Editable after submit | No | Yes | Yes | Yes |
| When evaluation happens | Immediately; Uses express processing | At market processing (typically 11 a.m. Central) | At market processing | At market processing |
What each option is best for
- Express Accept: You want a one-time payout now and are willing to use the rate for the highest chance of immediate acceptance.
- Trending Rate: You want a competitive suggested rate without deciding every decimal yourself—for one-time or recurring offers.
- Name Your Rate: You know the APR or discount you are comfortable with and want full control over cost.
- Existing Rate: You already have a rate on the division and want to renew or extend without changing it.
Fixed Rate and Variable Rate Divisions
If you have divisions marked with Fixed Rate or Variable Rate, rates are not editable. They appear when your customer’s program sets the rate structure.
| Market type | How pricing works | Build Offer rate step |
| Fixed Rate | The customer has set a rate for the market and it is not editable | Rate is preselected |
| Variable Rate | Rate follows the market reference rate | Rate is preselected |
⚠️ Note: If your selection includes only Fixed Rate or Variable Rate divisions, you will not see Name Your Rate strategy options.
Mixed Selections and "Apply to All"
When you select multiple divisions:
- Use Apply to All to set one strategy ( Express Accept, Trending Rate, Existing Rate, or Name Your Rate) across divisions that support it.
- If a strategy is not available for every selected division, Build Offer may ask for a fallback rate for the remaining divisions.
- You can still override individual divisions after applying a bulk strategy.
ℹ️ Note: Frequency and rate type settings may apply only to Name Your Rate divisions—check disclaimers on the rate and review screens when your selection mixes market types.
Tips
- On the review screen, compare estimated amounts across divisions before submitting.
- Switch between APR and Discount to see updated suggestions.
- Use the Existing Rate on recurring renewals when you want to stick with your current rate.
- Contact Support if you have any pricing questions.