Bank Centric Payments

Risk-managed registration and on-boarding for ACH, RDC and card

Real-time solutions that serve banks, resellers and merchants

Unified data management improves processing compliance

Complete library of APIs for payment processing automation

Tokenization and encryption of data in procees and at rest

More ways to accept faster ACH, card and RDC payments

Perpetual technology development without investment

White label options for bank, resellers, and merchants


We originated the Bank Centric Payments platform to provide FIs, ISOs and merchants with an easily deployed risk-managed environment for the registration, underwriting and delivery of ACH, RDC and credit card payments through one easy to use, cloud based system.

We provide these sites for demonstrating how we provide service to meet the specific needs of our partners:

Simplifying the adoption of payments as a service is critical for FIs to remain competitive in the future. A proper bank centric approach solves the problems and complexity of putting the systems in place for all parties in the payment process to access the tools and solutions they need in a scalable manner. A single, fully integrated platform can replace what would normally require three vendors and an integrations project in order to launch

Rayleen M. Pirnie Owner of RP Payments Risk Consulting Services, LLC

Here is an article in BankNews about Bank Centric Payments.

Now banks and ISOs can add a secure payments platform (with a 100% white label option in minutes) with the tools and access layers to enable a bank to offer feature-packed payment solutions to ISOs & merchants (SMB and enterprise) in a harmonized fashion. This platform also includes comprehensive administration tools delivered via an intuitive interface and/or a full library of APIs giving the bank a versatile building block approach for payment process automation.

Bankers should also know that Chargent, the leading payment processing solution on the Salesforce AppExchange, is integrated with the Bank Centric Payments platform powered by linked2pay.

Merchants can be provided with one or all of the following payment options: online forms, mobile, email, virtual terminal, phone (IVR), shopping cart checkout and Remote Deposit (RDC).

SOC logo

The security of your data is of paramount importance to linked2pay. Our 15 year history of commitment to the controls that secure client data is further demonstrated by our successful completion of the Service Organization Control (SOC 1 Type II) audit. The report serves as a detailed confirmation of our internal controls for processing services, and supports our commitment to meeting regulations, standards, and specific set of criteria as established by a widely recognized and trusted authority.


Bank Centric Payments provides everything needed to deliver award-winning ACH, card and RDC solutions.

Why Bank Centric Payments?

Improving the payments process from the bank outward produces winning results for everyone involved. The bank (ODFI) gains a payments technology platform that delivers the control and efficiency needed to scale underwriting, on-boarding and the daily clearing of payment transactions. Merchant service providers leverage award-winning payment solutions along with an improved process for acquiring, boarding and maintaining merchant relationships. Merchants can now upgrade and consolidate their payment solutions onto one platform for simplified deployment and greatly improved reporting.

Without Bank Centric Payments:

I have an account for card and a separate one for ACH and a third for check deposit. Each account has its own fees and all my reports are separate.

Merchant 1 Does not use Bank Centric Payments

With Bank Centric Payments:

I have one account for card, ACH and check deposit. All for one low fee and my reports are fully integrated.

Merchant 2 Uses Bank Centric Payments

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