Why not offer payment streams that bypass card network fees and restrictions? Simplify what you run today, expand what you offer, and pay less to do it.
The money moves from your customer's bank to yours. We run the payment and never hold your money.
When customers pay with a program you run, the relationship stays with you instead of a card network or a bank.
Every card sale sends a share to the networks and the issuing bank. Keep it, and you can fund rewards only you offer. One major retailer has funded 5% off for two decades this way.
A gift card or private label balance can only be spent with you. Every layaway and buy-now-pay-later payment is another visit.
A card payment tells you little; the bank knows the customer. With your program, every purchase ties to an enrolled customer you can reach and reward.
Rewards cards build loyalty to the bank's points and cash back. Your payment puts your offer at the moment of purchase.
Once a customer is enrolled and paying with a phone number and PIN, paying with you becomes the easy default.
Each product stands on its own. Customers enroll once, and every product works from that enrollment.
Your customer pays from their bank account with a phone number and PIN, at the register or online. The payment is authorized in seconds and settles to your bank.
Customers load value with any form of payment and spend it with you. They can buy a balance for someone else and send it as a gift.
Customers lock in a purchase price and pay it down over time. You hold the merchandise until it's paid in full.
Customers take the goods today and pay in three or four scheduled payments. You finance your own sales instead of paying a lender.
Pass the risk of a returned payment to the program, for a fee, and know what every sale is worth the day you make it.
Turn any phone into a check capture device. Customers pay an invoice from a text or email link, your field staff capture checks on site, and mailed-invoice payers scan a code instead of mailing a check.
One platform handles the full life of a bank payment, from the first enrollment to the return that arrives a week later.
Customers link a bank account once and pay with a phone number and PIN after that.
Every payment gets a decision before it's accepted.
Debits and credits through the ACH network.
What comes back is handled, not just reported.
Money lands in your account with the detail to reconcile it.
Online enrollment for both you and your customers.
Check a bank account before you debit it. Confirm it's open and able to take an ACH payment, and see whether it can receive instant payments. Online originators need account validation before a customer's first debit, and Account Lookup covers it in real time.
It's your choice. Use our pricing, or negotiate with your own bank and simply authorize our system to process files on your behalf.
Either way, we run the program: enrollment, authorization records, monitoring, returns, and customer service on the account.
No banking relationship of your own? Apply online, and we set up processing with funds settling to your business account.
Either way, the money moves from your customer's bank to yours.
Our leadership has worked in bank-account payments since 1978: check authorization, NACHA pilot programs for check conversion, the SafeCheck program, and a patent for authorizing checks at the point of sale and settling them through the debit network.
The same team operates a national collection program and a returned-check recovery platform, and that experience is built into every program.
One platform, every program, and a team that has run bank payments for decades. Let's talk.
Email sales@advancedpaymentsolution.comOr call 830-339-1872, ext. 7000