Get paid from the bank account, not the card network.
Pay by bank, same-day debit, checks and a payment guarantee, all from one integration. The money moves from your customer's bank to yours.
No card and no card network. Customers pay from their bank with a scan and a PIN.
Pay by bank
One-time bank debit at the point of purchaseCustomers enroll once, linking a bank account and choosing a PIN. After that, paying takes a phone number and a PIN, at the register, online or in your own app.
- Enroll onceThe customer adds a bank account and picks a PIN. Nothing to issue, carry or replace.
- Pay at checkoutA phone number and a PIN, in the lane or online. No card and no smartphone required.
- VerifiedThe account is checked in real time before the payment is approved.
- You get paidFunds settle to your bank account, and returns are handled for you.
- No card network and no interchange
- No card chargebacks to fight
- Works in your own app, at the counter, or online
- Card-present option for merchants who want it
Same-day debit
Collect from a bank account and settle the same dayFor bills, invoices and balances where the timing matters. Collect directly from your customer's bank account without a card in the middle.
- Account validated before the first debit
- One-time or scheduled payments
- Refunds and payouts back to the same account
- Matched in your daily reconciliation file
Checks
Checks, without the mailTurn any phone into a check capture device. A check gets paid where it's handed over, not days later at the office, with a decision back in seconds.
The check is recorded the moment it is taken. The paper stops being the record.
In person
Your team photographs the check at the counter, on the job or on the route. No bank login handed out, and no check riding around in a truck until Friday.
By link
Send a payment link by text or email. The customer writes the check, takes a picture, and it's applied to the invoice.
On the invoice
Print a code on your mailed invoice. The customer scans it and photographs the check instead of mailing it.
- Every capture is recorded with the check image, amount, time and who took it
- Partial payments are applied, with the balance carried forward
- Reported back in the lockbox file your AR system already posts
Who uses it
- Trades and service calls
- Route sales and delivery
- Property management and field collections
- Medical, dental and veterinary
- Professional services
- Wholesale and B2B on terms
eLockbox
Checks by mail, without the mailPrint a code on the bills you already mail. Customers scan it and photograph their check instead of mailing it, and the payment comes back in the lockbox file your AR system already processes.
No envelope and no stub to match. The payment comes back in the lockbox file you already post.
- Invoice data travels with the payment
- No stub to match and no keying
- Works with the lockbox file you post today
Payment guarantee
Know a sale is good the day you make itPass the risk of a returned payment to the program, for a fee, and know what every sale is worth the day you make it.
- Available on bank debits and buy now, pay later payments
- Returned payments handled through the program's collection services
- Decades of returned-payment recovery behind every guarantee
More from the suite
Customers enroll once, and every product works from that enrollment.