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Payments Made Differently

We are a hyper-focused payments company built for SaaS platforms serving "Must-Pay" industries: education, healthcare, childcare, etc. If you build tech for a family-service industry, then we are the payment provider for you.

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Seeing Payments Through
Experience

The Pay Theory Experience
The Broken Experience

Built for Family Tech

Embedded Payments
Pay Theory’s Embedded Payments are built to be integrated into the workflows that you’ve built. Don’t plan around your transactions — plan for them.

Complete & Total View

Merchant Hierarchy
Pay Theory’s Merchant Hierarchy allows you to zoom in and out of specific merchants to view detailed information or horizontally across several merchant accounts.

Trusting

Customer Experience
The magic is in our combined solution and how that solution shows up to your customers to power the growth of your SaaS platform.

Run of the Mill

Embedded Payments
You have workflows that you’ve crafted to get customers where you want them to be. Do you own your payments experiences or are you using an out-of-the-box solution?

Fragmented Data

Merchant Hierarchy
With payments, you’d have to pick one of two options to structure your payments data architecture; Manage 1 account that contains aggregated payments data or manage compartmentalized accounts for all of your merchant accounts.

Transactional

Customer Experience
A payment is the final point of conversion. Payments are one of the most important ways that you interact with your customers. Does your payments architecture reflect that?

Complete Payments Suite

A payment suite suited for Must-Pay services. With Pay Theory, you get features imagined and built specifically for family-service industries, a set of hard to find features, as well as everything you'd expect from a payments company. In short, Pay Theory is the payments company for your platform.

Uniquely Pay Theory
Must Have
Baseline

Inclusive Payments

Accept card, ACH, and cash! Digital payment solutions have made paying with cash a real problem. We work with what we call “must-pay services” to help remove barriers between families and organizations by providing payments solution built for everyone.

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Information Hierarchy

Most payment solutions don’t allow you to see ‘sub-merchants’ information. For example, a school district could see what each school is doing but they wouldn’t be able to see individual transactions. With Pay Theory, they can.

Account hierarchy screen

Multiple Bank Accounts

Most payment solutions don’t allow you to associate various bank accounts per client. Now you can, with Pay Theory. This is a huge win for school systems, healthcare systems, and any other complex networks.

Contained Systems

Every Pay Theory client is run on a unique isolated environment, causing their payment solution to be unaffected by other systems. Should one system go down, your system is untouched and keeps running smoothly.

Underwriting

Don’t let this be a barrier to offering payments. We work with experts in fields like healthcare, pharmaceuticals, childcare, and more to ensure that we are able to safely and securely underwrite must-pay industries.

Transactional Meta-Data

Create A-ha moments by combining your data models with Pay Theory’s data models.

Tailored implementation screen.

Tailored Implementation

More than a form! We break down implementation into 4 sections; Financial Solutions, Technical Success, Team Training, Payments Go-To-Market.

Revshare

Our SaaS partners have the opportunity to share in the payments revenue. That means not only do you get a new feature without the developmental costs, but you get a new revenue generating feature.

Checkout mockup screen.

Embedded Payments

Unique mix of websocket based SDK’s and GraphQL APIs make it easy to build the payment flows of your dreams. Get paid more (often) and eliminate barriers to payment.

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API's

Power payments data presentation in your solution.

PCI Level 1 Compliance

Enjoy peace of mind with the highest and most stringent level of Payments Security certification (PCI level 1).

Recurring Payments

Build payment flows that get you and your customers paid more often. PayTheory’s Recurring Payments infrastructure powers your subscription, payment plan, and card-on-file payments.

The Cash
Problem

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1/3 of families are either unbanked or underbanked, making online payments near impossible to make. This leads to unpaid bills, barriers to access, and host of other issues. We believe SaaS platforms cannot truly make tech for family service industries without taking this issues into account.

Pay Theory’s Remote Cash feature is a game changer. It’s inclusive, drives revenue, and keeps cash handling off campuses.

The Cash Problem

1/3 of families are either unbanked or underbanked, making online payments near impossible to make. This leads to unpaid bills, barriers to access, and host of other issues. We believe SaaS platforms cannot truly make tech for family service industries without taking this issues into account.

Pay Theory’s Remote Cash feature is a game changer. It’s inclusive, drives revenue, and keeps cash handling off campuses.

Learn More

Payments Made for SaaS
Payments Made Differently

We are a hyper-focused payments company built for SaaS platforms serving "Must-Pay" industries: education, healthcare, childcare, etc. If you build tech for a family-service industry, then we are the payment provider for you.

Get Started
Software as a Service    •    Education    •    Healthcare    •    Childcare    •    Child Activities    •    Government

Going Deeper

Explore Pay Theory

Walkthrough

Watch as Pablo Explores Pay Theory Through the Eyes of a SaaS Platform

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Onboarding

Bradley Outlines What Onboarding Looks Like for Your Platform

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Onboarding

Joe Outlines What Onboarding Looks Like for Your Clients

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Revshare

Watch As Brad Discusses Revenue Sharing In Greater Detail

Watch Now >

Made for Developers

Accept various payment methods within your platform while giving your merchants and users a fantastic and inclusive experience along the way.

See The Documentation
“It is important to work with technology partners that are extremely knowledgeable in their market space, have deep technical expertise, are flexible and humble enough to shift direction, build new features, and communicate effectively with their counterparts — In Pay Theory, we have been fortunate to check all of those boxes.”

Aidan Zebertavage
Senior Product Manager

What You Should Know

1

Relationship-Based Support
We actively work with you to ensure success.

2

APIs - A Powerful Integration
Power payments data presentation in your solution.

3

Embedded payments
Customizable payments for any location.

4

Reporting
Create, Manage, and/or export anything you need to know. Beautifully and simply.

5

Reconciling
Make sure payments owed/due match statements.

6

Recurring Payments
Currently only for our SaaS partners.

7

Invoicing
Create professional invoices with flexibility.

8

Card Readers
A wide range of options for any situation.

9

Custom Meta-Data
Take advantage of this incredible flexibility.

10

PCI Level 1 Compliance
We pass our security level on to you.

11

Inclusive
Accept Card, ACH and Online Cash Payments.

12

Plug & Play
No-code payment URLs, Payment Buttons and QR codes.

13

Virtual Terminals
Turn any computer into a credit card terminal - in Portal or in your Application.

14

No-Fluff Features
A payments system for industries serving families.

Pricing

Learn More
Enterprise

Processing Rates

We are determined to ensure your revenue model is permanently and materially improved by payments. Our pricing is flexible, transparent and can be bundled or buy rate (cost+).

Talk with us to learn how your company can start processing payments.

Let's Talk

Payments Made for SaaS
Payments Made Differently

We are a hyper-focused payments company built for SaaS platforms serving "Must Pay" industries: education, healthcare, childcare, etc. If you build tech for a family-service industry, then we are the payment provider for you.

Schedule a MeetingGet a Sandbox
Software as a Service    •    Education    •    Healthcare    •    Childcare    •    Child Activities    •    Government

FAQ

Contact Pay Theory

How does merchant hierarchy work?

Generally speaking, we give you functionality that has traditionally been reserved for payment facilitators, where transactions are split by different tax identification numbers (EIN). Pay Theory takes these thousands of lines of transactions with various merchants and groups transactions on a customer-by-customer basis. We detangle the long list of transactions you will have with other payment providers.

What kind of data will be visible to us?

All info will be available to you with the exception of sensitive information such as card numbers. Sensitive information is encrypted and tokenized for security purposes. This removes additional burdens for our partners, protecting them from liability and security concerns.

How does customer support get handled?

We make ourselves available to our partners. When you partner with Pay Theory, you can consider us your in-house payments support team. Not only do we offer quality support to our partners, but we also support our partner’s customers.

What are embedded payments?

Simply put, embedded payments allow transactions to happen WITHIN your platform instead of sending them to a third-party payment experience. Visit our embedded payments page to learn more.

How does revenue sharing apply to our platform?

For B2B2C businesses (business-to-business-to-customer) there is potential for revenue sharing. The best way to find out how much revenue is possible for your business is by filling out the revenue project form below.

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Am I able to get a sandbox?

Yes. Fill out the form below and we will get you set up.

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Inclusive Payments for A Diverse World
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