Pay By Text Solutions
Let your customers pay instantly for products, services, or make charitable donations via a quick and simple text message on their cell phone.
What Is Pay By Text & Why It Matters
Pay By Text is an SMS payment solution that lets your customers make purchases or donations by simply replying to a text message on their phones. The SMS payment system does not require downloading apps, logging in to portals, or making calls.
Customers check their texts far more consistently than emails or voicemails. Payment Savvy’s text-to-pay service puts your payment request directly in the most used channel. Not only is it easier to pay on time, but it is also harder to ignore an outstanding balance.
Our SMS payment gateway integrates with your existing systems and gives your customers a fast and secure way to pay from anywhere.
Pay By Text Benefits
Whether you’re running a collection agency, utility company, or a nonprofit, Payment Savvy’s texttopay service offers several benefits:
Higher Payment Completion Rates
Text messages have significantly higher open and response rates than email or paper invoices. Putting a payment request in your customer's text inbox with a simple reply-to-pay option removes the friction that causes late and missed payments.
Instant Payment Collection
Customers reply with their secure code and payment processes immediately through our SMS payment gateway. No staff involvement, no manual processing, no waiting for checks to arrive and clear.
No Identity Verification Headaches
Customers authenticate using a secure code they create during setup. No need for your staff to verify identity over the phone or handle sensitive card details manually. Our system manages every stage securely.
Eliminates Manual Processing Errors
Your business will have a reduced risk of incorrectly logging in details by hand. This is because all payment information is stored securely from setup and retrieved automatically when a customer authorizes a payment by text.
Cost-Effective & Simple to Launch
You likely already have your customers' cell phone numbers on file. Pay By Text gateway does not require new hardware, complex integration, or a customer app. The entire setup is fast, while the ongoing cost is low relative to the revenue it recovers.
Works Across Every Channel
Our Pay By Text solutions do more than just send an SMS to make a payment. You can send reminders, past-due notices, and marketing messages. Essentially, you get one tool that drives both revenue collection and customer engagement without adding work for your team.
How Pay By Text Works
From opt-in to paid invoice in three simple steps.
Customer Opts In
The customer opts in to your SMS payment program and creates a secure personal code. Their payment details are stored safely in our PCI-compliant gateway and are not stored on your local servers.
Payments Request Sent
When a balance is due, your customer receives a text message with their invoice details. The payment is done by text only, and the process does not require any logins or apps.
Customer Replies & Payment Processes
The customer replies with their secure code, and payment is processed instantly through our SMS payment gateway. They receive confirmation by text, and the transaction syncs with your reporting dashboard automatically.
Industries We Serve
Text-to-pay solutions built for businesses that need faster collections.
Collection Agencies
Reach debtors on the device they actually use. SMS payment requests get responses that phone calls and letters don't. Customers pay on their schedule without speaking to an agent, improving liquidation rates while reducing staff time on outbound contact.
Non-Profits
Collect donations, membership renewals, and pledge payments via SMS. Supporters give in seconds from their phone without navigating a website, making it an ideal option for campaigns, events, and recurring giving programs.
Auto Finance
Send payment reminders directly to borrowers' phones when installments are due. Customers can pay their car loan or lease without calling in or logging into a portal. You will reduce late payments and improve cash flow for dealerships and lenders.
Mail Order & Telephone Order (MOTO)
Add a modern payment channel to your MOTO operation. Send SMS payment requests to customers who placed phone or mail orders. They can pay instantly by text without your agents needing to process the transaction manually.
Unlock Your Full Potential
Build a complete payment operation by combining Pay By Text with Payment Savvy's full suite of processing tools.
Web Payment Gateway
Accept online payments through your website alongside your SMS payment program. Give customers every option from one integrated platform.
ACH Payment Processing
Offer lower-cost bank account payments through your text-to-pay service. Ideal for high-ticket transactions where card processing fees add up.
Recurring Billing
Combine SMS reminders with automated recurring billing. Customers authorize once, and payments are processed on schedule without having to reply by text.
What Our Clients Say
Ready to Start Getting Paid by Text?
Your customers are already on their phones. Payment Savvy's SMS payment solutions meet them there, making it easier to pay, harder to ignore, and simpler for your team to collect. Setup is fast, costs are low, and the impact on your collections is immediate.
✓ No setup fees ✓ Fast approval ✓ 24/7 support