Online Payments
Consumers conveniently make secure electronic payments by submitting one time or recurring payments by credit card, debit card and eCheck on your company's web site, with no labor costs. Our Quick Pay portal lets consumers make one time payments without creating an account or saving their information. Signing in allows consumers to create a profile that saves their financial information for simple future payments. Consumers define their payment schedule or set it to be auto-drafted by the payment due date. By signing in, you’re able to access detailed billing information.
Billing data import options
Branded payment portals
Payment histories & email receipts
Keep all your accounts under one login
PCI-DSS compliant & tokenized secure vault


Telephone Payments
The ability to accept a payment from a consumer over the phone is essential for many businesses. Our virtual terminal provides any employee with the ability to process a one-time payment, setup a recurring payment or enroll a customer in automatic payments that sync with your billing requirements and payment schedules. A pre-defined dynamic script will be displayed for the agent to read, ensuring your customer is notified according to payment guideline standards. You may also add customized script language specific to your business.
Web based and completely secure
One-time, recurring and scheduled payments
Customizable dynamic scripting
Stand alone or fully integrated


Interactive Voice
Using the latest voice command technology our intelligent IVR agent dynamically adapts to your consumer conversations in real-time to make payments as simple as possible. Our IVR system’s sophisticated memory has the capacity to recognize callers, recall facts from previous conversations to inform current commands, and allow your consumer to set future or variable payment schedules via checking account or credit/debit card.
PCI-DSS Tier 1 certified and HIPAA compliant
Increase number of completed transactions
English and Spanish capable
Payment negotiator


Point of Sale
Our encrypted card reader simply plugs into any USB port on any computer. No additional configuration is needed and because we use a secure web-based system, no card information is ever stored at the computer or on your system. All the customer data you receive is in real-time from Pay N Seconds servers. It’s as simple as swiping the consumer's card and printing or emailing a receipt.
Consumer pay option
Cloud-based virtual terminal
PCI-DSS compliant
Low cost for hardware


E-Invoicing
Send a branded electronic invoice to your consumers with their balance due. Our system lets you send automated past-due invoices based on predefined intelligence with itemized bill details. A secure link provided in your emails directs consumers to their online account. A toll free number also allows consumers to instantly connect and make payments with our intelligent IVR system.
Deliver invoices immediately
Reduce labor and mailing expenses
PCI-DSS compliant
Branded and customizable
Billing data import options


Text Payments
Businesses can send bills and receive payment instantly through a text message. It’s a secure, cloud-based billing platform that enables any direct-billing organization to provide their customers with instant, automated alerts and on-demand payment authorization through texting. Your customers can opt-in through our existing online payment portal, IVR or over the phone with a customer support representative.
No app or login required
Check account balances and due dates
Send bill and appointment reminders
Authorize payments instantly
PCI-DSS compliant & tokenized secure vault

