SaaS Vendors

Ready to grow your business while giving your customers a better payment experience?

Integrating a more complete, tailored payments solution with Pay Theory is easy. You participate in the payment processing revenue crossing your platform while gaining more control over the payment experience. Your platform will even be able to accept cash, meaning you can uniquely serve the 30% of school families who are un or underbanked.

Grow Revenue Per User

  • Share in processing revenues crossing your platform. 
  • Increase total addressable market with payment revenues and eCash acceptance.

Fast, Easy Implementation

  • API driven and built on the latest uber-light, serverless software architecture
  • Developer First
  • Reduce your PCI exposure

Delightful User Experiences

  • Payers pay however they want.
  • Customers track and reconcile payments easily with integrations to existing technologies.

Bank Grade Security

  • PCI Compliant with strict identity and cardholder protections. 
  • Built on proven, tested financial technology partners.

Grow Revenue Per User

Earn more revenue per user by integrating payments and participating in the processing. It’s that simple. And because we enable you to accept cash electronically with eCash, you get access to the ~30% of US families with K12 kids that are un or underbanked and rely on cash as a primary means of payment. Wait, doesn’t that make my platform a better solution for my customers, you ask? Why, yes…yes it does!

Fast, Easy Implementation

Pay Theory is API driven and built on the latest uber-light, serverless software architecture – AWS Lambda – so it easily integrates with your SaaS application. We are Developer-First on support and documentation so that your implementation comes online fast and delivers the kind of payments experience you want for your customers and their customers.

Delightful User Experiences

Isn’t that what all payers and organizations want? A use experience that is just easy and amazing. One that actually thinks about helping a payment get made vs. just providing an i-frame. Pay Theory helps your payers to make payments because they pay however is convenient, even in cash. Your customer organizations are able to track, manage and reconcile all those payments all in one, easy to read dashboard. And our APIs and SDKs ensure you have the flexibility and freedom necessary to create a payment experience that is best for your services and customers..

Bank Grade Security

Where children and family identities are concerned, security matters. Pay Theory maintains strict identity and cardholder protection protocols (PCI compliance and certification). Additionally, the code behind our payments deploys state of the art encryption and we have a few data tokenization tricks up our sleeve. On the back end, we work with proven, tested financial technology partners like Finix, Vanilla Direct and FIS/Worldpay.