Contactless·Instant·PCISecure

Get paid
10× faster
via text.

Send a payment request by text. Your customer taps a link and pays in seconds — no app, no account, no friction.

98% text open rate  ·  PCI DSS Level 1  ·  No new app required

MBI Merchant Solutions
Hi Maria — your balance of $285.00 is ready. Tap below to pay securely.
💳 Pay $285.00 now
You paid · 2s ago
Payment confirmed ✓
Receipt sent to your email
✓ Payment complete
98%
text message open rate
vs. only 20% for email
10×
faster than traditional
payment methods
82%
of consumers open texts
within a few minutes
97%
of consumers send or
receive texts daily
How it works

Four steps.
Seconds to pay.

No hardware. No new software. Just a phone number and a payment amount.

01
Enter amount

Log into your gateway and enter the customer's name, phone number, and payment amount — takes under 30 seconds.

02
Text is sent

Your customer instantly receives an SMS with a secure, branded payment link. No app download required.

03
Customer pays

They tap the link, enter their card on a secure PCI-Level-1 page, and submit. The whole process takes under a minute.

04
You get paid

Payment is processed instantly. You receive a confirmation, and the customer gets an automatic receipt — all via text.

Why Text-to-Pay

Email invoices
are broken.

Low open rates, spam filters, and no built-in payment flow. Text messaging fixes all of that — customers already live in their message app.

  • Text open rates are 5× higher than email
  • Customers pay from the same device they carry everywhere
  • No login, no account — frictionless single-tap payment
  • Collect on outstanding invoices faster
  • Works for any amount — deposits, balances, co-pays, service calls
Start accepting text payments →
$285
Invoice created Amount entered in your gateway portal
SMS delivered Secure payment link sent to customer's phone
Customer pays Tap link → enter card → done. No app needed.
Payment confirmed Funds settle to your account automatically
Features

Everything you need.
Nothing you don't.

PCI
PCI DSS Level 1

The highest standard of payment card security. Card data is never stored on your system — all handled by certified vaults.

Instant Receipts

Customers automatically receive a text and email receipt the moment payment is confirmed. Zero manual follow-up.

Card on File

Returning customers can save their card for one-tap future payments — speeding up every subsequent transaction.

Full Reporting

Every text-to-pay transaction appears in your cloud reporting dashboard alongside all your other payment channels.

No New Hardware

Runs entirely through your existing gateway. No new terminal, no app install, no staff training beyond logging in.

Works Everywhere

Any smartphone, any carrier, any browser. iOS, Android, and every major card brand — Visa, MC, Amex, Discover.

Who uses it

Built for businesses
that chase payments.

Any business that sends invoices, collects deposits, or does service calls can benefit from text-to-pay.

Auto & Service

Text the repair estimate to the customer. They approve and pay before you even finish the job — no waiting at pickup.

Salon & Spa

Collect deposits at booking via text. Virtually eliminate no-shows and last-minute cancellations without awkward conversations.

Healthcare / Wellness

Send co-pay and balance requests by text after a visit. Faster collections, less administrative burden, HIPAA-compliant handling.

Home Services

Plumbers, HVAC, landscaping, cleaning — collect payment on-site or remotely the moment the job is done.

Restaurants

Text the check directly to the table. Contactless, fast, and lets servers turn tables without running cards back and forth.

Retail & Wholesale

Collect on layaways, special orders, and B2B invoices over text without requiring customers to call in a card number.

Compliance & Security
PCI DSS Level 1
TCPA Compliant
HIPAA Ready
CCPA Compliant
GDPR Ready
Nacha Compliant

Ready to get paid
10× faster?

Join thousands of merchants collecting payments by text. Setup takes minutes — no new hardware required.

No long-term contracts Free statement analysis Approved in 24 hours 24/7 phone support