As your tech-savvy payments partner, we can instantly expand and optimize the risk managed payment solutions that you already offer your clients. Our role as a partner is to provide a full spectrum of solutions through our integrated platform (via interface or API) that seamlessly delivers paperless registration that is instantly linked to automated underwriting, award-winning ACH (including same-day), Real-Time Payments (RTP) and Remote Deposit Capture (RDC) - as a white label through your website and under your branding- visit for risk solution details...

Our Partners

Heartland Payment Systems

linked2pay collaborates with PayFi to provide Heartland Payment Systems IMS, which brings Instant Merchant Settlement to merchants nationwide. Heartland Payment Systems utilizes our tools to offer their merchants Instant Deposit.

About Heartland Payment Systems:

In April 2016, Heartland and Global Payments completed their merger agreement. The combined company, Global Payments Inc., is publicly traded (NYSE: GPN), has more than 11,000 employees worldwide. Global Payments is a member of the S&P 500 with customers and partners in 32 countries throughout North America, Europe, the Asia-Pacific region and Brazil.


linked2pay collaborates with PayFi to offer Real-Time Payments and Instant Merchant Settlement for card settlement. linked2pay is the on-boarding platform and API provider for PayFi's real-time payments.

We are excited to work with linked2pay as a partner in the delivery of real-time payments. The consolidation of risk-management and payment solutions on the Bank Centric Payments platform is ideal as a host environment. It gives our mutual bank and channel partners an extraordinary Real-Time and ACH value package as they promote faster payments.

Travis Dulaney CEO of PayFi

About Payfi:

PayFi enables merchant service providers, processors, banks, and fintechs to cost effectively move money between bank accounts in real-time, with flexibility, precision & 24x7x365 availability.


PinnacleCart partners with linked2pay to gain access to a platform suite of payment solutions; including, credit card processing and Instant Merchant Settlement for their customers.

About PinnacleCart:

PinnacleCart is a turnkey solution that has become the top eCommerce platform for small-to-medium businesses.

Club Prophet Systems

Club Prophet Systems partners with linked2pay to offer their customers ACH payment acceptance through their software via linked2pay's API.

The ease of integration and the added value of ACH payment acceptance for our clients were key positives for us. If we would have known how easy the linked2pay API project was, we would have done it much sooner. The potential savings in the fees for our user base by accepting payments via ACH are significant. What really tips the scales, especially in the private club business, is that ACH is outside of PCI scope. So the ACH feature replaces storing a club member’s credit card on file for end of month member billing. As the card associations continue to shift liability to our golf club merchants, we continue to look for ways to minimize or eliminate the merchant from PCI scope while still providing secure and reliable payment ecosystems.

Rick Robshaw CEO Club Prophet Systems

About Club Prophet Systems:

Club Prophet Systems designed the first Windows-based point-of-sale system specifically designed for pro shop operations and the world’s leading point-of-sale system for the golf industry. The company's solutions have expanded to include food and beverage software, integration to external accounting programs, internet tee time options, integrated web store, lesson book, event management software, data collection kiosk, USGA handicap system, and much more.

Avidia Bank

Avidia Bank is a sponsor bank for linked2pay and utilizes the linked2pay platform, branded AvidiaPay, as a multi-level platform providing administrative and underwriting tool; as well as, providing low-cost delivery of credit card, ACH, RDC, real-time payments, and Instant Merchant Settlement for business clients and their reselling partners.

We have also seen our reseller activity increase sharply and the platform accommodates us to scale with the growth.

Bart Murphy Executive Vice President and Chief Lending Officer at Avidia Bank

Our platform has helped Avidia Bank gain recognition, most recently, by FIS for innovation in the 2019 impact awards. Avidia was recognized for Instant Merchant Settlement (IMS), helping merchants enhance liquidity, while also providing Avidia Bank with a new source of fee income.

Payzone Systems


Tapcheck makes getting paid more convenient by helping improve employee financial wellness through digital payroll advances. Tapcheck partners with linked2pay to gain access to ACH and real-time payments via linked2pay's API.

About Tapcheck:

Tapcheck was formed as an Employee Wellness Benefit that Employers can offer their Employees. Through seamless integration, Tapcheck receives wage and hour information in real time and allows Employees to access a portion of their earnings the moment they complete a workday. Employees no longer have to wait till their regularly scheduled payday to access money they have already earned. Through our easy to use App, Employees work their regular shift, open the App, select an amount to transfer, funds are available to use instantly in their bank account. On payday, the Employee will receive a paycheck for any remaining earnings directly from the Employer.

Envision Payment Solutions

Envision partners with linked2pay to gain access to a platform suite of payment solutions; including, access to ACH, RDC, credit card, and Instant Merchant Settlement.

About Envision Payment Solutions:

Envision Payment Solutions is an American-owned company delivering customized payment processes to clients for over 30 years; including, school systems, government agencies, medical facilities, utility companies, retail stores, and non-profit organizations.


PayLynx partners with linked2pay to gain access to a platform suite of payment solutions; including, access to ACH, RDC, credit card, and Instant Merchant Settlement.

About PayLynx:

PayLynx’s mission is to help businesses, particularly small to mid-sized businesses, reduce their costs and increase their efficiency with simple, secure and affordable payment processing services.

Innovative IoT

Innovative IoT and paycosmos work together to provide clients with payments that travel anywhere with the fastest processing on the market.

About Innovative IoT:

Innovative IoT provides a wide range of Internet connectivity options with data utilizing 4G LTE /5G speeds, privacy, and security expected in today’s business environment.

Products at Innovative IoT bring the most reliable connectivity to the most challenging places for your point of sale, failover, or other data-driven internet connection needs. They provide both wired and wireless connections to the internet. If you need to get and stay connected, come to Innovative IoT. They have built relationships with (ISPs) Internet service providers in the U.S. and over 200 cellular carriers worldwide, helping create one of the most comprehensive communication networks when it comes to Internet connectivity and data.

Security and privacy are crucial in today’s business environment. Innovative IoT provides a patented Virtual Private Network (VPN) utilizing (AI) artificial intelligence that will safeguard data, VoIP, and video communications. They can do this by tunneling data over our un-breachable, private, and secure network solution directly to your company, with selective filtering over the first two layers of your computer network. Let Innovative IoT provide you with internet connection solutions.

Simplifying the adoption of payments as a service is critical for financial institutions to remain competitive in the future. A bank-centric approach solves the problems and complexity of putting the systems in place for all parties in the payment process to access the tools and solutions they need in a scalable manner, Pirnie said. "A single, fully integrated platform can replace what would normally require three vendors and an integrations project in order to launch.

Rayleen M. Pirnie Owner of RP Payments Risk Consulting Services, LLC

Now any merchant who uses Salesforce and Bank Centric Payments can connect the two in just a few clicks, enabling real time payments, recurring billing and payment link emails directly from where their customer data lives.

David Hecht Co-Founder of AppFrontier

I can see why developers would like adding payment solutions that give their business clients the most direct path to the bank that actually processes the transactions. It's not only logical, but it's a better solution design approach.

Jeff Hadfield Developer Market Consultant & Analyst, 1564B



linked2pay deployed Instant merchant settlement to paycosmos in Fall of 2018

Our patent pending process enables acquirers to offer a settlement option that will fund a merchant in 1 second, 24/7 365 and it works on holidays as well.

linked2pay is proud to provide Avidia Bank with Instant Merchant Settlement beginning summer 2019. Avidia Bank was recognized by FIS in the 2019 Impact Awards for Instant Merchant Settlement to help merchant customers enhance liquidity, while also providing the bank with a new source of fee income.

linked2pay enables Heartland Payment Systems' instant deposit, coming to market fall 2019.


Securely delivering faster payments

Confirming the real owner of a debit card is critical in the enrollment process for secure, faster payments. Our patent pending method completes that task instantly to mitigate fraud. If you are interested contact us to learn more...


When the payment needs to happen NOW

This enables partners on the platform to offer Real-Time Payments as their own fully integrated, white-labeled solution.

Example applications for real-time funds transfer include: corporate disbursements for contractors & services, insurance claim payouts to providers, commission & reward disbursements, account to account transfers, loan disbursements, and Business to Consumer (B2C) payments or funds transfers.

Same Day ACH with award-winning delivery

Merchants want faster low cost payments

We make it easy to offer your merchants Same Day ACH (credits and debits) in a way that assures a secure, high-quality delivery of this lower cost payments option.

It starts with our merchant online registration which includes Same Day ACH as an option. A 'My Balance' feature provides confirmation prior to sending an ACH credit. You can send a payment via email or through virtual terminal (up to $25,000.00 per transaction). Security features include pin protection that limits access or use of Same Day ACH feature.


Avidia Bank has been a user of linked2pay to enable on-boarding and underwriting for merchants and partners since 2015

As a merchant registers online their information is validated; if they score in accordance with the automated acceptance criteria (set by the ODFI) they are approved and on-boarded. This level of service reflects positively on our partners by delivering a more convenient experience for merchants.

Merchants that score below the automated acceptance criteria set by the ODFI will be prompted to provide additional information, still in a paperless manner.

Fintech, Payments and Banking

Create opportunities by leveraging fintech and payments industry knowledge...