Inclusive Payments

Accept Cash Along with Card and ACH — All Online
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 to accept card, ACH, and cash.

Get Inclusive Payments

Image of a phone displaying an inclusive payment barcode.

The Need for
Inclusive Technology

1/3 of families are either unbanked or underbanked, making online payments near impossible to make. When families pay with cash in person, many organizations are not equipped to handle cash.

Our solution is a surprisingly simple approach to make the right form of payment available for everyone. Families who want to pay in cash can do so at one of our 65,000+ retail partners so that you get all of your funds with none of the hassle.

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How It Works

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Excel. Increase. Simplify.

Payments Everyone Can Access

When businesses start accepting payments, it usually assumes all payers will pay with a method tied to a bank account. So where does that leave families paying with cash? Barriers are created and bills go unpaid. Our cash feature gives all families equal opportunity to pay their bills.

Increase Your Total Collections

1/3 of school payments can go unpaid. Increase collections while providing ease of access to vital services.

No Need For Cash Handling

You can accept cash without the risk or hassle of cash handling. Payers pay with cash at one of our 65,000+ retail partner locations, keeping cash off campus.

“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 at Abre

What You Should Know

Inclusive
You become even more inclusive by accepting payment methods everyone can access.

Easy Implementation
When you use Pay Theory, you automatically get access to our cash acceptance feature. No setup required.

No Cost to You
Our clients never pay for our cash acceptance feature. The only cost is a convenience fee to the payer.

Flat-Rate Fee
To cover the cost of this feature, a flat-rate convenience fee of $2.50 is added automatically to the barcode.

Unique Barcode Generation
Our system generates a unique barcode containing all the information associated with the payment.

Top Tier Retail Partners
We work with many national brands such as Walmart, CVS, Walgreens, Family Dollar, 7-Eleven, and many more.

65K+ Retail Locations
When payers choose cash, they get a link to a map displaying all the locations near them where they can pay.

See Payments Immediately
When the barcode is scanned & the transaction is completed, the payments show up in the portal automatically.

Inclusive, Embedded Payments
Built for Family-Service Industries

Get Inclusive Payments

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

FAQ

Contact Pay Theory

Does Pay Theory accept more than cash payments?

Yes. Along with cash, we accept Visa, Mastercard, Amex (all major cards), and ACH.

How does this technology make payments more inclusive?

1/3 of families are either unbanked or underbanked, making online payments nearly impossible to make. When a family needs to pay with cash, many organizations are not equipped to handle and encourage a different form of payment. By accepting cash payments digitally, you offer these families the ability to pay with cash while also saving merchants from having to handle cash.

How do cash payments work?

When payers choose cash our system generates a unique barcode containing all the information associated with the payment. They can take that barcode to one of the 65,000+ retail locations. The cashier will scan the barcode, the payor pays the cashier, and the payment is shown as received in the backend.

In what locations can payors use inclusive functionality?

We work with many national brands such as Walmart, CVS, Walgreens, Family Dollar, 7-Eleven, and many more. Visit our map to find locations near you.

Get the Conversation Going

Inclusive Payments

The Need forInclusive Technology

Including the Un and Underbanked in Fintech Means Better Access

3 Reasons Going Cashless Is Destructive

How Cash Hinders School Finances

K-12 Families Left Behind As a Result of the Current School Finance Formula

Future-Proofing: Financial Inclusion

What Does Inclusive Payments Mean?