Invest in Your Customers,
Not Credit Card Companies

Stop losing money to credit card fees and chargebacks. SimplePay covers all chargebacks and lets you reinvest 2% in your customers instead

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Take control of your rewards strategy

Every Swipe Pays Banks,
Not Your Customers

Every time a customer pays by card:
Banks collect 2-4% of every sale
Your customers get nothing from you
Plus, you’re stuck dealing with costly chargebacks
2-4%
Transaction fees from Credit Card companies
1-3%
In chargebacks
$100B+
In fee revenues each year for issuers
Loyalty-enhanced bank payments

Simple to Start,
Powerful Results

Safe & Secure Payments

Direct bank payments mean no credit checks needed and lower fraud risk
for everyone

Keep More Revenue

Eliminate 2-4% processing fees
and give customers instant 2% savings
on every purchase

Zero Tech Investment

Our turnkey solution handles everything - just plug in and start saving

No More Chargebacks

SimplePay covers all chargebacks, guaranteed. Every. Single. One.

How it works

Reduce your payment fees and drive more spending

Bank payments with no card fees, processed via ACH

AI-driven rewards to drive incremental sales

Increase your revenue and improve profit margins

Book a demo
Discover the Advantage

What makes SimplePay different?

Merchants often turn to co-branded credit cards, but consumers find them cumbersome with high fees and long onboarding. SimplePay solves these issues with instant setup, low fees, and no credit impact. Offering a universal card, personalized rewards up to 10%, and a fast, digital wallet, SimplePay makes payments easier and more rewarding.

Credit Cards
Co-branded Cards
Debit Cards
Transaction fees
Onboarding time
Credit score impact
Multiple cards
Annual fee
Rewards
Personalized rewards rate
Checkout experience
< 1%
Instant
No
One universal card
$0
3-10%
Yes
Fast, digital wallet
2-4%
5-10 business days
Yes
Yes
$0-$800
1-2%
No
Manual entry/swipe
< 1%
1-5 business days
Yes
Yes
$0-$100
3-5%
No
Manual entry/swipe
2-4%
1-2 business days
No
Yes
$0
0%
No
Manual entry/swipe
Transaction fees
< 1%
Credit Cards
2-4%
Co-branded Cards
< 1%
Debit Cards
2-4%
Onboarding time
Instant
Credit Cards
5-10 business days
Co-branded Cards
1-5 business days
Debit Cards
1-2 business days
Credit score impact
No
Credit Cards
Yes
Co-branded Cards
Yes
Debit Cards
No
Multiple cards
One universal card
Credit Cards
Yes
Co-branded Cards
Yes
Debit Cards
Yes
Annual fee
$0
Credit Cards
$0-$800
Co-branded Cards
$0-$800
Debit Cards
$0
Rewards
3-10%
Credit Cards
1-2%
Co-branded Cards
3-5%
Debit Cards
0%
Personalized rewards rate
Yes
Credit Cards
No
Co-branded Cards
No
Debit Cards
No
Checkout experience
Fast, digital wallet
Credit Cards
Manual entry/swipe
Co-branded Cards
Manual entry/swipe
Debit Cards
Manual entry/swipe

Need more help?

How does SimplePay make money?

We charge a transaction fee significantly lower than traditional credit card charges. Additionally, merchants can subscribe monthly for advanced features, like customized loyalty program management, to personalize customer engagement and rewards.

This sounds too good to be true, why hasn't this existed before?

The world has changed a lot over the past few years. The financial infrastructure to link bank accounts and easily send money (Plaid, Stripe, etc) was created only recently. Consumers are becoming more familiar with using ACH. And faster and cheaper bank rails are being built each year, which makes us believe there is finally a better way to do business.

How does SimplePay work with my existing loyalty program?

We can integrate into your existing loyalty software and philosophy. Sky is the limit with SimplePay rewards. Our goal is to help you make money while saving.

Have more questions?

Visit our FAQ page

Ready to take your business to new heights?

Book a demo