01
Send a link
By text or email, straight from your dashboard.
Bank payments, in seconds.
Send a link. Get paid from your customer's bank - for up to 70% less than cards.
- Connected via Plaid
- Bank-grade encryption
- Verified businesses
$2,500.00
Choose your bankQuick & secure
Chase
Bank of America
Wells Fargo
Citi
Thousands of US banks & credit unionsNo app to downloadNo hardware
Three steps. No card.
Your customer approves in their bank. The money lands in yours.
02
They pay from their bank
They pick their bank, sign in securely and approve. No card number, ever.
03
You get paid
In seconds on RTP® and FedNow®, by ACH otherwise.2
Keep the 3% cards take.
Up to 70% less than card processing. On a $20,000 sale, cards take about $580.
$250,000
$25k$2M
Assumes cards at 2.9% + 30¢ per sale. Your rate is confirmed at onboarding.
Cards$7,258 / mo
HorizonPay$2,177 / mo
You keep, every year$60,963$5,080 more each month.
- PayoutsIn seconds2Cards: 1–3 daysCards: 1–3 business days
- DisputesNo card chargebacksCards: Months laterCards: Chargebacks, months later
- Card limitsBuilt for big ticketsCards: DeclinesCards: Declines on large purchases
Assumes cards at 2.9% + 30¢ per sale. Your rate is confirmed at onboarding.
Simple for owners. Rigorous for finance.
For owners
Set up in minutes.
- Send deposit and balance links by text or email
- Know the moment a payment lands
- Save customers for repeat business
For finance teams
Every dollar accounted for.
- A tamper-proof timeline for every payment
- Batched payouts to your bank
- Roles and permissions for your team
Built for big tickets.
The bigger the sale, the more cards take. Dealers, contractors and clinics feel it most.
ContractorsContractors & home services
$8,000 job · cards take ~$232
Furniture & appliancesFurniture & appliances
$3,500 order · cards take ~$102
Powersports & RVsPowersports, boats & RVs
$14,000 sale · cards take ~$406
Dental & medicalDental & medical clinics
$2,400 plan · cards take ~$70
Every payment, one calm place.
Sent, paid, on its way, or in your account. Always clear.
Safe first. Then fast.
Built in before we moved our first dollar.
Bank logins never touch us
Customers sign in through Plaid. We never see or store a banking password.
Encrypted with managed keys
Bank tokens are locked with Google Cloud KMS and opened only when a payment runs.
No double charges
Three independent safeguards stop a retry or double-tap from charging twice.
Questions, answered.
Is paying by bank safe for my customers?
Yes. They sign in to their own bank through Plaid and approve there. No card number is shared, and we never see their banking password.
How fast do I get paid?
In seconds when both banks support RTP® or FedNow®. Otherwise by ACH, usually in 1–3 business days. Your dashboard shows which rail each payment used.
How much does it cost?
Up to 70% less than typical card processing. Your rate is confirmed at onboarding. No hardware to buy.
Do my customers need an app?
No. Your link opens in any browser, on phone or desktop.
What if a payment fails?
You'll see it right away with a plain-English reason, and your customer can retry from the same link.
Who can use HorizonPay?
US businesses with a US business bank account. We verify every business before it can request payments.
Get paid the way it should work.
Early access is open. We onboard in small batches.