Engineered For Modern Media Buying Workflows
ConnexPay understands the unique payment challenges of digital media buying. Our solution aligns perfectly with how media agencies actually operate—across multiple platforms, budgets, clients, campaigns and continents.
Bundle the customer’s trip and experience in one transaction
Stop processing multiple transactions with customers, or get out of the risky business of customer card pass throughs to make supplier payments. Show your travelers who’s in charge as Merchant of Record!
Get immediate access to funds to pay suppliers
No waiting for settlement over the course of days or weekends. ConnexPay gives you customer sales funds immediately in order to issue payments to complete the customer’s itinerary.
Report and reconcile with daily detailed reports
Eliminate reconciliation headaches with one consolidated view, delivered daily. Our transaction reporting captures key data points throughout the entire lifecycle from booking through completion.
Is Your Working Capital Workflow Limiting Your Agency's Profitability?
When media opportunities arise suddenly, your payment capabilities become the determining factor in campaign execution. Legacy payment approaches create artificial constraints precisely when your clients need agility—during time-sensitive media buys and optimization windows.
Eliminate Platform Credit Limit Constraints
ConnexPay's virtual payment infrastructure and integrated credit scales with your media buying needs without the spending caps and utilization concerns associated with traditional card programs.
Mitigate Client Payment Risk Exposure
Run critical campaigns without bearing the financial burden of clients who operate on extended payment terms. Protect your agency from the cash flow strain typically associated with large media budgets.
Enforce Campaign Budget Compliance
Enables precise spend controls at the campaign level, automatically enforcing client-approved budgets across multiple platforms and preventing accidental over-spend that strains relationships and margin.
Comprehensive Payment Capabilities For Modern Agencies
ConnexPay delivers a payment ecosystem specifically designed for the complexities of digital media buying, from managed service campaigns to programmatic trading desks and performance marketing operations.
Agency Client Payment Processing
Streamline collection of campaign funds through flexible acceptance options including credit cards, ACH, and wire transfers. Our platform seamlessly captures all campaign identifiers, IO numbers, and budget allocations during the initial payment process, establishing accurate attribution from the start.
Agency Cash Flow Enhancement
Access multiple funding models designed specifically for media buying operations. Whether your clients prepay campaigns or operate on extended payment terms, our platform provides flexible options to support your agency's cash flow requirements without compromising media buying agility.
Media Platform Funding Optimization
Deploy campaign funds across advertising platforms with unprecedented efficiency. Generate precisely controlled virtual cards for each platform or campaign, with built-in spending limits, expiration dates, and metadata that ensures proper attribution throughout the campaign lifecycle and reconciliation process.
Campaign Reconciliation Automation
Eliminate the reconciliation nightmare that plagues agency accounting teams. ConnexPay's unified payment architecture creates perfect alignment between incoming client payments and outgoing platform disbursements, with campaign-level tagging that dramatically simplifies month-end closing and client reporting.
Frequently Asked About PayIns
Find answers to your questions about customer acquisition solutions and services below.
You can set spending limits, date windows, block specific merchant categories (MCC), and allow or deny individual merchants.
When paying suppliers internationally, ConnexPay transparently passes through any FX or cross-border fees incurred, not marking them up for profit. Specific FX handling depends on the card product and currencies involved. For any travel payments, our Global Travel card allows you to pay suppliers in any currency without incurring any cross-border or FX fees.
A PayIn is a method of funding the account balance to make payments, whether using customer payments or operating capital. PayOut refers to any method of making a supplier or vendor payment, as well as balance transfers or wires.
You do not need an entity in the United States to be able to pay in USD. ConnexPay's solution allows for USD payments regardless of where your business is located.
ConnexPay supports funding card payments in USD, EUR, GBP, and CAD as our core issuing currencies. The currency used to fund card payments typically needs to match your account's designated accounting currency. For international payments, ConnexPay offers currency conversion services, though fees may apply for conversions.
Being Merchant of Record means you're officially responsible for processing customer payments, which provides several benefits: greater control over the payment process, direct relationship with customers, ability to manage chargebacks and disputes, opportunities for enhanced data collection, and potential for increased revenue through card rebates. It also allows for more flexibility in payment options offered to customers.
Yes, ConnexPay offers Client VCC Decisioning functionality that allows clients with proper permissions to override and directly decision authorizations. This feature enables clients to approve or decline authorization requests for our issued cards based on our own criteria.
ConnexPay offers credit card processing (accepting payments) in the United States, Europe, Canada, and is expanding internationally. Our virtual card issuing capabilities have broader, full international reach.
Apply online, complete underwriting, then connect to our API or portal. Most customers go live in 2 – 4 weeks, and some in as little as 7 days.
Apply online, complete underwriting, then connect to our API or portal. Most customers go live in 2 – 4 weeks, and some in as little as 7 days.
ConnexPay's business model is built around the integration of both acquiring (PayIns) and issuing (PayOuts) to provide a complete payment solution that simplifies cash flow management. While some clients may start with just one service (like issuing-only "Lite" clients), the full value proposition comes from using both services together to benefit from straight-through processing, reduced prefunding requirements, and optimized rebates.
For most clients, rebates are automatically applied to your account balance. The specific timing and delivery method of rebates may vary based on your agreement with ConnexPay and the funding model you're using (such as Flex Funding).
Rebates are typically processed monthly and are included in your monthly invoice or settlement.
ConnexPay offers various rate options including our Flex Card (a variable-rate virtual card with over 30 dynamic rates), or our Global Travel VCC with tiered interchange rates (ranging from 100-200 basis points) for price-sensitive suppliers. For UATP cards, the interchange cost to merchants varies from 165-197 basis points.
Intelligent PayOuts (IPO) is ConnexPay's patented decisioning engine that systematically determines which cards should be accepted and what virtual cards should be issued to maximize acceptance and rebates. IPO uses the supplier information submitted with card requests to determine the optimal card brand (Visa or Mastercard) and settings for each specific supplier. It's enabled by default for all clients to optimize payment success rates.
BIN rotation is part of ConnexPay's Intelligent PayOuts (IPO) system that automatically selects the optimal BIN (Bank Identification Number) for each transaction based on the merchant being paid. The system analyzes historical acceptance data and supplier information to determine which card brand (Visa or Mastercard) and specific BIN will have the highest likelihood of acceptance and optimal interchange rates.
ConnexPay offers several card products including: single-use Virtual Credit Cards (VCCs), Lodged Cards (can be used multiple times over months/years), exclusive products like our Global Travel VCC (for international payments with no FX Fees), and UATP cards (specialized for airline payments). We also offer different card classes like Commercial Credit, Consumer Credit, and Prepaid Commercial cards.
ConnexPay offers over 70 BINs (Bank Identification Numbers) across Visa, Mastercard, and UATP.
ConnexPay offers Visa, Mastercard, and UATP card brands for issuing virtual cards. Each brand has different acceptance rates and cost structures, and ConnexPay's Intelligent PayOuts feature can help optimize which brand to use for specific merchants.
Virtual cards are better than traditional credit cards because we offer enhanced security (single-use or limited-use numbers), better control (spend limits, expiration dates, MCC restrictions), simplified reconciliation (with rich transaction data), and reduced fraud risk. we also integrate seamlessly with payment systems and provide detailed reporting.
There are no costs to issue ConnexPay's virtual cards.
ConnexPay offers various pricing models including interchange plus pricing for acquiring transactions and revenue share models for issuing services. The specific pricing depends on your business type, volume, and which services you use. Special programs like Global VCC or UATP cards have specific pricing structures, and features like 3D Secure authentication may have per-transaction fees.
To get started with ConnexPay, businesses need to complete an application process that includes financial underwriting and KYC (Know Your Customer) verification. Specific requirements include having a legal business entity, a business bank account, and meeting minimum processing volume thresholds. For acquiring payments (PayIns) in Europe, a physical entity in the region associated with the currency is required.
ConnexPay is unique in offering an integrated payment solution that combines both acquiring (PayIns) and issuing (PayOuts) in a single platform. This allows for streamlined payment processing where funds from customer payments can be directly used to pay suppliers. ConnexPay's model reduces the need for prefunding accounts and offers enhanced fraud monitoring, direct integration with major card brands, and specialized solutions for industries like travel and advertising.