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Robust Payment Solutions for the Entire Customer Life Cycle

Send or accept payments in various ways via cost-effective methods that leverage multiple originating banks.

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Send or accept low-cost payments using multiple originating banks

Usio is the only broad-industry focused Nacha Certified sender. Ultimately, we provide greater funding control with same-day funding and late cutoff via multiple originating depository financial institutions (ODFIs).

Through constant innovation, Usio ACH allows you to move money to or from any US bank account at a fraction of the cost of credit card processing. We’re also one of the first processors to offer same-day ACH credits to any US bank account.

Using our Usio checkout solution, you can greatly reduce regulatory requirements, making it easier and less expensive to process bank transfers.

 Remotely Created Checks (RCC)

RCC is the perfect ACH alternative solution, primarily because they aren't subject to 0.5% fee and no signature is required. Additional benefits include:

  • Authorized remotely by phone or online
  • Same-day deposits into multiple accounts while processing up to 100,000 checks per batch
  • Recurring Transaction Engine: Recurring payments can be scheduled by the customer, allowing recurring payments to run on autopilot
  • Automatically send customized reminders and receipts
  • Full Stack APIs: Seize the full potential of our solutions by integrating payments and accounting processes.
  • Fraud Prevention: Mitigate risk and fraud by validating account information upfront.
  • Payment Gateway: Manage accounts in real-time with our feature-rich, enterprise-class payment gateway.

Remote Payment & Presentment Service (RPPS)

RPPS is an extensive network that enables the payment of customer bills. Upon the submission of payments, the bank presents the payments to the RPPS network, which then validates and routes the payments to the payees (billers in the RPPS network). Banks then download confirmation & return files, process the files, and update the status of those payments.

PINLess Debit

Convenient & Cost Effective. More than anything else, we understand that speed and execution are critical. Usio PINless Debit processing is an alternative electronic payment solution that addresses your unique needs while providing lower cost, real-time debits and instant loan funding with unmatched coverage. Usio PINLess Debit solutions include:

  • Debit Card Coverage: Usio supports transactions across all major debit networks, providing you unmatched coverage 24/7
  • Real Time Funds: Instantly push funds to a borrower's card, reducing wait times for online lenders and reducing cash requirements.
  • Instant Verification: Leverage Usio real-time verification tools to
    reduce fraud with the card brands and debit networks.


Usio Text2pay increases collections and payments by giving your customers alternative payment solutions they expect. It’s not only more convenient, Text2pay eliminates the costs and headache of check processing, hand-to-hand cash transactions and more.


iQ Decision Engine

Finally, you have the power to make the best decisions with our advanced credit decisioning engine. Whether online lending is the next step for your business or already a big part of it, we'll help you deliver faster credit decisions in a seamless environment, leading to a much better customer experience. We've created a best-in-class decision engine that's fully customizable to suit your needs and goals. There’s no limit to how much your business can grow.

USIO Payment Solutions Include:

  • ACH Payments and Credits
  • Hosted Payment Page
  • Pinless Debit
  • RCC
  • RPPS
  • Text-to-Pay
  • Fraud Prevention
  • Account Validation Tools




Consultation Request Form

Want to learn more about how our ACH solution can serve your business? Get in touch with us below and one of our experts will reach out to you.