Pay by Text: Fast, Secure, and Convenient SMS Payment Solutions

What is Pay by Text?

Pay by text (SMS payments) is a mobile payment solution that enables businesses to send secure payment requests via text message, allowing customers to pay instantly from their smartphones. By using text-to-pay technology, businesses can streamline payment processing, improve customer convenience, and reduce payment friction.

For high-risk merchants or businesses with recurring billing models, SMS payments provide a fast, reliable, and compliant way to collect payments without requiring customers to log into a portal or visit a website.

How Pay by Text Works

Customers receive a payment request via SMS containing a secure link. Once the link is clicked, they can:

Enter payment details (credit card, debit card, or ACH).
Confirm the transaction for instant processing.
Receive a payment confirmation via text or email.

Businesses can automate text payment reminders for subscriptions, invoices, and overdue balances, ensuring on-time payments and reducing collection efforts.

Industries That Benefit from Pay by Text

Healthcare & Medical Billing – Patients can pay medical bills via text without logging into a portal.
Utilities & Telecom – Customers can pay phone, internet, or utility bills with a quick SMS link.
High-Risk Merchants – Debt collection agencies, lending companies, and subscription services can use pay-by-text to reduce chargebacks and enhance payment security.
E-commerce & Retail – Offer mobile-friendly, text-based checkout options for a seamless payment experience.
Professional Services – Send secure payment links via SMS for consulting fees, legal retainers, and service-based invoices.

Benefits for Businesses:

Faster Payments – Customers can complete transactions instantly with one click.
Reduced Late Payments – Automated text reminders improve on-time payment rates.
Lower Processing Costs – Text-to-pay is often more cost-effective than traditional invoicing methods.
PCI-DSS Compliant – Ensures secure mobile payment processing with encrypted transactions.
Seamless Integration – Works with existing payment gateways, CRMs, and accounting software.

Benefits for Customer

Convenient & Contactless – Customers can pay anytime, anywhere without logging into accounts.
Secure Transactions – Payments are processed through encrypted links, ensuring data protection.
Multiple Payment Options – Accepts credit cards, debit cards, ACH, and digital wallets.
Instant Payment Confirmation – Customers receive real-time receipts via SMS.
No App Download Required – Works on any mobile device with no extra setup needed.