Our platform supports all card types including consumer credit, commercial cards, and prepaid products to ensure you never turn away a legitimate sale.
Immediate Access To Funds For Making Supplier Payments
Eliminate the traditional wait for settlement by getting customer payment funds immediately for supplier payments, transforming your cash flow and operational capabilities.
Avoid Settlement Delays
Traditional payment processors hold your funds for 24–48 hours or longer before making them accessible, while ConnexPay's unique platform structure makes authorized funds available instantly.
Reduced Financing Needs
With instant access to customer payment funds, many businesses can reduce or eliminate their reliance on expensive lines of credit or factoring services that eat into profit margins.
Real-Time Working Capital
The moment a customer transaction is approved, those funds become available in your ConnexPay account to pay suppliers, transforming your payment flow from a constraint into a competitive advantage.
Improved Supplier Relationships
Pay suppliers faster without impacting your own working capital position, leading to preferential treatment, better terms, and stronger supply chain relationships.
Multi-Channel Payment Flexibility
Consistent and consolidated payment reporting, regardless of the original channel.
Online Payments
Accept payments through your website, mobile app, or ConnexPay's hosted payment pages that maintain your brand identity. Our secure checkout experiences support tokenization for returning customers and advanced fraud prevention without adding friction.
Digital Wallets
Streamline mobile transactions with native support for Apple Pay and Google Pay, enabling frictionless device payments that boost completion rates. Our WalletJS SDK makes integration simple while maintaining PCI compliance.
ACH & Alternative Payments
Offer flexibility beyond cards with ACH payment capabilities for recurring or high-value transactions. Our platform includes built-in risk analysis to protect against fraud while expanding payment options for your customers.
Frequently Asked About PayIns
Find answers to your questions about customer acquisition solutions and services below.
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.
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.
The onboarding process involves application submission, underwriting, account setup, and implementation. The timeline varies based on complexity but generally takes several weeks, but has been completed in as quick as seven days. We like to move as fast as our clients are willing to go!
ConnexPay offers a comprehensive payment processing service that includes payment acquiring (accepting payments from customers), virtual card issuing (making payments to suppliers), and fraud detection with Kount for managing these processes. We also provide 3D Secure authentication, ACH processing, tokenization, and specialized payment products like Global Travel VCC and UATP cards. Our services can be accessed via API integration or manually through our customer portal.
Yes, ConnexPay offers webhooks for real-time notifications of important events in the system. These include events related to purchases, sales, funding, and other transaction activities. Webhooks allow clients to receive immediate updates about transaction statuses, card issuance, authorizations, settlements, and more, enabling real-time integration with your systems.
Access to ConnexPay's API and SDK our public on our website, under the 'Developers' tab. Additionally during the onboarding process, ConnexPay will provide documentation, credentials, and support for integrating with our API and SDK. we offer comprehensive developer resources including API references, implementation guides, and sandbox environments for testing before going live.
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.
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.
Get Our New Posts
We'll email you when we add content on payments trends and industries.