Shop Smarter, Earn More

Stop Paying More.
Start Saving 2% on Every Purchase

Credit card fees are silently stealing your money.
Simple Pay uses ACH to put 2% of your spending back in your pocket.

Start Saving Now
The Credit Card Trap: Explained.

Credit cards limit your rewards

Merchants are silently forced to pay up to 3.5% in processing fees
These fees are built into the price you pay, shrinking your rewards and costing you more
It's a system that benefits big banks, not you
Pay with bank instead

Stop Overpaying.
Get 2% Back. Always.

Pay directly from your bank account, just like Venmo
Simple Pay cuts out the middlemen,
putting the savings back into your pocket
You save $107.62/year, on average*
Get started
*Based on average annual online shopping spending in the US

Better rewards than your credit card

When you pay with SimplePay, brands give back to you instead of to your credit card company.

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Better rewards than your credit card

When you pay with SimplePay, brands give back to you instead of to your credit card company.

Get started

Loyalty rewards system

When you use Simple Pay, you can earn store credits up to 10%! Look out for messages while shopping. Just pick Simple Pay at checkout, and if you have store credits, use them there.

Loyalty rewards system

By integrating a loyalty program, Simple Pay incentivizes customers with rewards, including store credits of up to 10%, driving repeat purchases and increasing customer satisfaction. Shoppers see messaging for a 10% store credit when they use Simple Pay throughout the shopping experience.

Enhanced checkout experience

Real Simple Labs' solution is integrated directly into the checkout process as a payment button, ensuring a smooth and user-friendly experience for both merchants and shoppers. To redeem the rewards, a shopper simply uses Simple Pay for their transaction and selects the option to use their store credits on the checkout page.

Enhanced checkout experience

Simply apply the credits you have and finalize the purchase at much better price while still getting a reward.

Seamlessly accept bank payments

Simple Pay enables merchants to accept payments via bank transfers, reducing transaction fees and maximizing profitability. Shoppers link their bank account easily and securely using Plaid, and payments are processed via our bank payment providers such as Dwolla and Stripe.

How it works

Using SimplePay
is as easy as 1-2-3

Using SimplePay
is as easy as 1-2-3

Select

Select SimplePay at checkout

Pay

Pay securely with your bank account

Redeem

Enjoy 2% savings automatically

Pay safe

Your transactions are encrypted, helping to keep your identity and financial info safe.

Learn more

Need more help?

Is SimplePay secure?

Yes it is! All transactions and sensitive data are encrypted. We work with Stripe and Plaid to ensure the highest level of financial compliance. As a consumer in the US, you are protected by ACH fraud protection laws.

Can I use other discounts on top of this?

Absolutely! SimplePay's 2% savings can be combined with other discounts and promotions offered by our merchants.

What info do I need to sign up?

All you need is a US phone number and a US bank account.
We only support shoppers in the US.

Have more questions?

Visit our FAQ page