How it works

A phone number and a PIN. That's checkout.

Enrollment happens once, in your app. After that, paying is faster than reaching for a card — and it works even without a smartphone at the register.

1

Enroll once

In your app, the shopper adds a bank account and picks a PIN. Opt-in, with the bank account validated at enrollment. No card to issue, carry, or replace.

2

Pay at checkout

A phone number and a PIN at the register — in-lane or online. No wallet, no card, no smartphone required.

3

Verify

Every bank account is validated before the first purchase, the same screening used at the point of sale for decades.

4

You get paid

Funds settle to your account. Returns are worked and recovered by our team, so you don't chase them.

The details

Built to be the easiest payment on the counter.

No card, no smartphone
The shopper's bank account is the card. Paying takes a phone number and a PIN — so it works for everyone, including shoppers without a smartphone or without traditional credit.
Screened before every purchase
Every bank account is validated before its first purchase, and every transaction is screened by our risk engine.
Lives in your app
Enrollment and rewards sit inside the loyalty app your shoppers already use. No separate app to download, no new habit to build — the reason most new payment methods never get adopted.
We work the returns
We handle validation, returns and recovery. You see the payment; we chase the exceptions.
Fund the incentive from the savings
With no interchange to pay, you can fund a rewards incentive from what you no longer lose to the networks — giving shoppers a reason to enroll and to keep paying this way.
Let's strategize together

See it run on your own shoppers.

Our payment experts will map a pilot against your loyalty program — real conversion, your customers, before you scale anything.

Start a pilot conversation The case for retailers
Pilot first No rip-and-replace Proof on your shoppers