Paya Services enables merchants to accept and process checks from customers over the phone. The merchant can initiate transaction through a web-based virtual terminal, certified 3rd party payment gateway, web services API, or batch file upload.

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How it works

  • Consumer gives authorization to electronically debit checking account over the phone
  • Transaction information uploaded to Paya through a variety of options (virtual terminal, payment gateway, API or batch file) Funds electronically debited from consumer checking account
  • Funds electronically debited from the client
  • Funds electronically deposited into merchant’s account


  • Check Verification
  • Check Guarantee
  • Web based user interface or API available
  • Error reduction systems
  • Customer information management systems
  • User defined custom fields
  • Data export for 3rd party accounting or archiving
  • Supports multiple locations and users
  • Multiple certified 3rd party gateways supported
  • Virtual terminal


  • Improved cash flows with expedited payments
  • Eliminate banking fees and paper check handling costs
  • Reduce bad checks
  • Automatic notification and resubmission of NSF items

Markets served

  • Bill Payments
  • Mail Order
  • Utilities
  • Government
  • Educational
  • Property Management
  • Insurance
  • Non-Profit