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    Learn more about Paya's Products

    Product Overviews

    Check 21 (Remote Deposit Capture)

    Check Conversion Service

    Check Guarantee

    Check Verification

    Check Card Terminals

    Donate Now

    Gift Card

    Loyalty Card

    POS Check Conversion

    Paya Exchange

    Paya Mobile

    Shopping Cart

    Virtual Check (ACH)

     

    please submit a ticket to see what Paya can do for you!


    Check 21 (Remote Deposit Capture)

    Allows businesses to electronically convert and deposit checks to a merchant’s linked bank account. Unlike Check Conversion, Check 21 covers all types of checks (personal, business, money orders, etc.), has no financial limits and is the legal equivalent of the original paper check or money order. Keep in mind that even though the PROGRAM does not have financial limits, Underwriting may impose a limit.


    Features

    • Accept payments that do not qualify for electronic check conversion such as Money Orders, Cashier, Travelers & Certified Checks
    • Add-on features include check verification and guarantee
    • Compatible with most point-of-sale terminals

    Benefits

    • Accept checks in person, or via drop box, mail, delivery courier.
    • Customer authorization not required
    • Saves time & hassle; no bank trips

    Frequently Asked Questions

    What equipment do I need?

    A dual-sided check imager.


    How fast can I get paid?

    The standard is 2-3 business days.


    How can I view my check images?

    Online reporting provides access to check images.

     

    Check Conversion Service

    A service that allows businesses to electronically convert and deposit a paper check to their bank using a check reader.

    Features

    • Ability to accept personal paper checks and convert to an electronic check deposit
    • Compatible with any bank or credit union
    • Check readers can be plugged into most point-of-sale terminals

    Benefits

    • Improves customer experience by offering more payment options
    • Saves time and hassle; no unnecessary trips to the bank
    • Saves money by reducing bad check risk through real-time verification

    Frequently Asked Questions

    What is a check reader?

    A device that reads the magnetic ink encoded on a paper check. Check readers are often plugged into credit card terminals or PCs that access a virtual terminal.


    What equipment do I need?

    A check reader connected to a compatible point-of-sale system.


    Will my checks settle with my credit card batch? Yes.


    What types of checks can I accept?

    Personal and some business checks (contact your sales representative for further details).


    How fast can I get paid?

    The standard is 2-3 business days.

     

    Check Guarantee

    An add-on feature to POS Check Conversion and Check 21 that guarantees a business will be funded even if the check is returned. Check verification is required with this add-on.


    Features

    • Based on the results of the check verification, guaranteed funding is provided to the merchantBenefits
    • Increase revenue by safely accepting checks
    • Reduce risk of accepting bad checks
    • Stop Payment coverage available for certain business types 

    Frequently Asked Questions


    How much does it cost?

    Cost typically ranges from 1.5% – 3% of the transaction and can increase depending on risk factors.


    Is this 100% guaranteed?

    Yes, provided proper procedures are followed.  Not available with recurring payments.


    What is required for a check to qualify for guarantee?

    At check-out the check writer and their account information are screened through multiple databases and fraud detection systems.

     

    POS Check Verification

    An add-on feature to POS Check Conversion and Check 21 that verifies the check writing history of the account holder


    Features

    • Matches check writer’s history against a database looking for any fraudulent transactions.

    • Account number, routing number and driver’s license are verified against a national database for check writing history and volume to mitigate risk

    Benefits

    • Reduces risk of accepting bad checks

    • Lower cost than credit cards
       

    Frequently Asked Questions

    How much does it cost? 
    There is a nominal fee.

    Does it speed up payment?
    No, it allows you to understand the risk associated with accepting the check.

    What is verified?
    The check writing history of the account holder.
     

    Credit Card Terminals

    Equipment used for entering credit card data (swiped or keyed).

    Features

    • Insert, swipe or manually enter card information
    • Transmit data to processor for authorization
    • Accept all major credit card brands without need for a PC

     

    Benefits

    • Saves money.  Lower rates than for mail/telephone orders
    • Easy to use and highly reliable
    • Much easier to achieve and maintain PCI-compliance

     

    Frequently Asked Questions

    Which terminals are PCI compliant? 
    As there is no clear cut list, please contact Paya support.

    Which terminals are EMV- (Smart Card/Chip Card) capable?
    Currently the Vx520, iCT 220 & iCT 250 (list of EMV-capable terminals will be updated as more become available).

    Must I buy them or can I lease them?
    Purchase is the only option currently available.

    Can I use the terminal I already have? 
    Yes, if the terminal is a Class A device. If your existing terminal is not Class A certified you may be able to use it but you will need support from a third party vendor.
     

     Donate Now

    A software application that allows customers to make online donations via a web site.  

    Features

    • Accept credit/debit cards, virtual checks
    • Ability to donate to multiple charities within a single organization
    • Accept donations in honor or memory of
    • Ability to customize receipts for tax purposes

     

    Benefits

    • Increases revenue through recurring gifts
    • Create a customized donation page with minimal IT resources needed
    • Configure to accept donation in any form of payment

    Frequently Asked Questions


    How much does it cost?

    There is a nominal fee.


    Can my customers make anonymous donations? Yes.


    Is it secure?

    Yes, it is PCI-compliant.


    Can my customers print a receipt for tax purposes? Yes.

     

     

    Gift Card

    A reloadable card, branded with the business’ name, redeemable only at the business’ stores (like a Starbucks card). Also referred to as “private label card.”

    Features

    • Replaces paper gift certificates

    • Includes online tracking and reporting

    • Multiple stores can be setup to participate in a single gift card program

    Benefits

    • Increases sales, as customers often spend more than card value, motivating them to return

    • Increases revenue as unused card balance remains with business

    • Can be issued for returns and exchanges in lieu of cash to keep revenue in store

    • Improves store’s brand awareness
       

    Frequently Asked Questions

    Does it work with my point-of-sale terminal? 

    Yes, in most cases.


    Does the card expire or can I charge a fee for inactivity?

    Yes to both, based on state regulations.


    Can I put my store logo on it?

    Yes, it can be branded with your store’s logo.  


    How much does it cost?

    The cost depends on the package that is ordered (e.g., pre-designed vs. custom).

     

    Loyalty Card

    A card, branded with the business’ name, that tracks purchases and manages rewards and incentives based on customer activity (like a grocery store card). 


    Features

    • Customizable rewards program to fit business’ needs
    • Online reporting includes customer registration information/demographics which can be used to target promotions or incentives 

    Benefits

    • Increases sales by driving repeat business and building brand loyalty
    • Increases revenue due to higher total spending

    Frequently Asked Questions

    Is my customer’s personal information secure?
    Yes, Paya's policy prohibits the sharing or selling of customer information.

    How much does it cost?
    The cost depends on the package that is ordered (e.g., pre-designed vs. custom).

    Does the card expire?
    Yes, based on state regulations.

    Can I put my store logo on it?
    Yes, it can be branded with your store’s logo. 
     


    Point of Sale Check Conversion

    Allows businesses to electronically convert and deposit to a merchant’s linked bank account, personal checks up to $25,000 in value using a check reader device. For more options, such as converting business checks or checks over $25,000 see Check 21.

    Features

    • Compatible with most point-of-sale terminals
    • Add-on features include check verification and guarantee
    • NACHA-compliant, meaning the solution is compliant with federal regulations
       

    Benefits

    • Improves customer experience by offering more payment options
    • Saves time and hassle; no unnecessary trips to bank
    • Saves money by reducing bad check risk through real-time verification

     

    Frequently Asked Questions

    What equipment do I need?

    A check reader connected to a compatible point-of-sale system.


    Will my checks settle with my credit card batch? Yes.


    What types of checks can I accept?

    Personal and some business checks (contact your sales representative for further details).


    How fast can I get paid?

    The standard is 2-3 business days

     

    Paya Exchange

    An online payment management system that consolidates your merchant and ACH accounts in one place and provides robust user administration tools.


    Features

    • Access to all your payment accounts, payment devices, reports and statements with only one username and password
    • Dashboard that organizes your payment accounts showing real-time balances
    • Multiple users within a single account can be set up with specific permissions
    • Self-service capability allows you to research, buy and integrate additional products and services at your leisure
    • Accessible via a web browser or mobile tablet

     

    Benefits

    • A ‘one-stop shop’ where you can access all payment accounts, products and services
    • Faster decision-making by providing a real-time view of cash flow across all payment types
    • Eliminates duplicate data entry by auto-synching payments with accounting/ ERP software
    • No need to remember multiple usernames and passwords

    Frequently Asked Questions


    How do I install/download Paya Exchange? 

    You don’t need to install or download anything.  This is a web-based payment management system that gives you access to your entire payments world.

      

    Paya Mobile Payments

    A mobile application that enables most smartphones and tablets to process credit cards.


    Features

    • Offline capability (trade shows; dead cell zones)
    • Captures signature and emails receipt to customers
    • Compatible with iOS, Android and Windows

     

    Benefits

    • Easy to accept payments, anywhere, anytime
    • Effective way for all employees to be able to accept payments
    • Saves time due to integration with Sage accounting software and QuickBooks
    • Lower processing costs by swiping the card and having the customer sign on the screen

     

    Frequently Asked Questions

    What types of credit cards can be processed?

    All major brands.


    What do I need to make this work on my phone or tablet?

    You need a compatible device (smartphone or tablet) with the installed app.  A swiper is optional but recommended.


    Is this compatible with my device and/or carrier?

    Smart phones are required and it is compatible with all major US carriers.
     

     

    Shopping Cart

    A software application that allows customers to order and pay for products and services on a web site. 

    Features

    • Build and link to a product catalog
    • Configure settings for email receipts, banner image, risk controls, payment types (credit card, electronic checks), tax and shipping details
    • Set up recurring products, such as subscriptions and memberships

     

    Benefits

    • Compatible with your merchant account, accessible through Paya Exchange
    • Easy to use with minimal IT resources needed
    • Can be configured to accept most forms of payment

    Frequently Asked Questions


    How do I get it?

    You can easily add it through the Product tab in Paya Exchange. If you are not a Paya Exchange user, please contact your sales representative.


    How much does it cost?

    There is a nominal fee.

     

    Virtual Check (ACH Account)

    A financial account that allows businesses to process electronic payments directly from a customer’s bank account.  


    Features

    • Compatible with any bank or credit union
    • Recurring payments are available
    • Checks can be taken over the phone or Internet and converted into an electronic ACH deposit
    • Please note that Paya does not provide an interface to accept "Checks-by-Web product." This will need to be supplied by a third party web developer or by the merchant themselves. Paya only provides the API or Application Programming Interface to the merchant or web developer. Our Virtual Terminal, is only for the merchant entered and initiated transactions via our ACH Debit and Checks-By-Phone Products.

     

    Benefits

    • Improves customer experience by offering more payment options
    • Paperless, no physical check required
    • Lower cost than credit cards
    • More cost effective for recurring and large payments than credit card processing 

     

    Frequently Asked Questions

    What do I need to make this work? 

    You need a bank routing and account number.


    Can I accept business checks? Yes.


    Is customer authorization required?

    Yes, and it can be verbal or written. (Verbal would be the Checks-By-Phone program which requires a recording service; Written requires approved ACH Debit Authorization Form to be filled out and filed in the merchant's accounting records). 


    When can I expect to get paid?

    The standard is 5-7 business days.

    please submit a ticket to see what Paya can do for you!



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