Our mission
Our mission is to provide our customers and partners with access to the highest levels of payment technology innovation thereby enabling their success in the marketplace.
Our platform has processed millions of transactions, valued in billions of dollars, for thousands of businesses. We consistently deliver the value and efficiency of faster payments to our clients, thanks to our focused commitment and single ownership of the processing platform.
Secure access
Access to our service is secured by EV 256 TLS 1.2. encryption. Our platform is PCI DSS compliant and we are approved as an Experian Third-party Technical provider having passed the Experian Independent Third Party Assessment (EI3PA). Additionally we have completed audits (SOC 1 and 2 Type II) based on the internationally recognized standard developed by the American Institute of Certified Public Accountants (AICPA). These audits and assessments are rigorous in evaluating the following and related areas:
- Control Operations
- Application Change Control
- Client Setup & Maintenance
- Information Security
- Payment Processing & Gateways
- Data Communications
Leadership Team
The linked2pay leadership is comprised of payments and technology experts bringing the latest innovations to the market for B2B and B2C customers, partners, software developers and banks. Our payments leadership team is active in the Electronic Transaction Association (ETA) and various groups throughout the industry.
Over 20 Years of Payment Innovation
With a company history focused on innovation, linked2pay provides risk and payment technology to deliver credit card, ACH and check processing automation for merchants and payment integration tools for our ISV partners. Our white label payment solutions platform for banks, channel partners and their clients is a leader in the industry. Always an innovator, linked2pay launched the first On-Demand check processing platform in 2002, a pioneer in providing Instant Merchant Settlement and is a multiple industry award winner for banking and payments innovation. linked2pay processes all merchants through our ISO, paycosmos. Take a walk with us through our company history.
INSTANT MERCHANT SETTLEMENT (IMS)
linked2pay deployed Instant merchant settlement to paycosmos in Fall of 2018
Our patent pending process enables acquirers to offer a settlement option that will fund a merchant in 1 second, 24/7 365 and it works on holidays as well.
linked2pay is proud to provide Avidia Bank with Instant Merchant Settlement beginning summer 2019. Avidia Bank was recognized by FIS in the 2019 Impact Awards for Instant Merchant Settlement to help merchant customers enhance liquidity, while also providing the bank with a new source of fee income.
linked2pay enables Heartland Payment Systems' instant deposit, coming to market fall 2019.
INSTANT DEBIT CARD OWNER AUTHENTICATION
Securely delivering faster payments
Confirming the real owner of a debit card is critical in the enrollment process for secure, faster payments. Our patent pending method completes that task instantly to mitigate fraud. If you are interested contact us to learn more...
FASTER PAYMENTS MADE EASY
When the payment needs to happen NOW
This enables partners on the platform to offer Real-Time Payments as their own fully integrated, white-labeled solution.
Example applications for real-time funds transfer include: corporate disbursements for contractors & services, insurance claim payouts to providers, commission & reward disbursements, account to account transfers, loan disbursements, and Business to Consumer (B2C) payments or funds transfers.
Same Day ACH with award-winning delivery
Merchants want faster low cost payments
We make it easy to offer your merchants Same Day ACH (credits and debits) in a way that assures a secure, high-quality delivery of this lower cost payments option.
It starts with our merchant online registration which includes Same Day ACH as an option. A 'My Balance' feature provides confirmation prior to sending an ACH credit. You can send a payment via email or through virtual terminal (up to $25,000.00 per transaction). Security features include pin protection that limits access or use of Same Day ACH feature.
AUTOMATED UNDERWRITING AND ON-BOARDING:
Avidia Bank has been a user of linked2pay to enable on-boarding and underwriting for merchants and partners since 2015
As a merchant registers online their information is validated; if they score in accordance with the automated acceptance criteria (set by the ODFI) they are approved and on-boarded. This level of service reflects positively on our partners by delivering a more convenient experience for merchants.
Merchants that score below the automated acceptance criteria set by the ODFI will be prompted to provide additional information, still in a paperless manner.
We are a proud member...
Our membership in the NACHA API Standardization Industry Group which positioned us as a payment systems influencer.
The main goal of the API Standardization Industry Group has been to develop an “API Playbook.” The “Playbook” will serve as a tool to assist financial institutions, businesses, fintech companies and other industry stakeholders with the creation of a standardized API ecosystem that can enhance support of the payments and business needs of industry participants.
For more than 40 years NACHA has been the trustee of the ACH Network facilitating safer global commerce as an efficient, ubiquitous, and high-quality electronic payment system. As a not-for-profit association, NACHA also represents nearly 10,000 financial institutions via 11 Regional Payments Associations and Direct Membership.