The case for it
Three places a bank transfer beats a card outright.
Most businesses are paying a percentage for something a flat fee would have done.
Not everything belongs here. The invoices and the subscriptions usually do, and moving only those is often the biggest saving on the table.
Under the hood
Money moves between banks. No card network in the middle.
Collect their bank details once. We check the account is real before taking anything. The money then moves bank to bank, which is why it costs a flat fee.
Straight from their account to yours, on the day you set.
01
Collect the details once
Account and routing number, entered into our secure box rather than yours. The numbers never reach your systems.
02
We check before taking anything
The check runs before the first payment. It keeps failures down, and most providers skip it.
03
The payment goes
Normally one to two business days. Same-day is available where the timing genuinely matters.
04
It matches up with everything else
It lands in the same view as your card sales, on the same day and the same bill.
Plays well with
Wherever you already invoice or bill.
Invoicing
One link that takes a bank transfer, a card or stablecoin. The invoice marks itself paid when the money lands.
Regular billing
Bank details saved securely for subscriptions, and we retry the failures that are worth retrying.
Your accounting
Reports on a schedule, so money arrives already filed rather than as a deposit nobody can explain.
The API
Take payments and send them from your own software, and get told the moment anything changes.
Worth it when
You bill your customers, rather than ring them up.
A good fit if
- You invoice other businesses, or bill the same customers again and again
- Your average sale is big enough that a percentage hurts
- You can wait one to two business days for the money to land
Probably not if
- You need the money confirmed at the moment of sale. A bank transfer can still bounce after it lands.
- You sell to walk-up consumers who will not hand over bank details
- Your sales are small and frequent. A flat fee is the more expensive option there.
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