This company provides an online platform enabling users to execute payments via credit card, debit card, or electronic check to their designated payee. The service facilitates secure transaction processing, including single and recurring ACH debits, while managing associated convenience fees. It ensures payment delivery and provides communication channels for transaction support and service inquiries.
Funding
Funding not disclosed
Founders
Product
Problem
Payees and agencies often rely on manual, paper‑based billing or fragmented online portals that require users to navigate multiple steps, enter sensitive card or bank details, and lack real‑time confirmation. This creates friction, increases the risk of errors, and can delay receipt of funds.
Solution
Point & Pay delivers a web‑based payment gateway that lets end‑users remit amounts to their designated payees using credit cards, debit cards, or electronic check (ACH) transfers. The platform encrypts payment data in transit and at rest, validates transaction authorization with the issuing bank, and routes funds to the payee while applying any applicable non‑refundable convenience fee. Users receive instant confirmation and a digital receipt, and payees benefit from consolidated reporting and automated settlement. The service also supports scheduled or recurring ACH debits, with built‑in NSF handling and transparent re‑attempt fees. Accessibility is built in to meet WCAG 2.1 AA standards, and a dedicated support channel handles payment inquiries, refunds, and disputes.
Target Audience
The primary users are agencies, municipalities, utilities, and other organizations that collect payments from individuals, as well as the consumers who need a reliable online method to pay those bills.
Features
- Secure, PCI‑DSS compliant payment processing for credit, debit, and ACH/e‑check transactions
- Real‑time authorization checks and immediate digital receipt generation
- Optional convenience‑fee calculation displayed before submission; fee appears as merchant of record on statements
- Scheduled and recurring ACH debit functionality with automatic re‑attempts and $25 NSF re‑try surcharge
- End‑to‑end encryption and tokenization of card and bank account data
- WCAG 2.1 AA‑level accessibility compliance for users with disabilities
- Integrated support portal offering email, phone, and ticket‑based assistance for payment issues, refunds, and disputes
- Transaction audit logs and downloadable CSV reports for agency reconciliation