The Phonotronics Bank Network is our zero-fee, digital payment network that gives you access to real-time fund transfers. It’s the easiest, safest way to send and receive money. And our proprietary Least Cost Routing technology lets you turn on legacy payment rails in your online checkout while still helping customers make the shift to zero-fee, digital payments.
Connect instantly with over 98% of all banks to authenticate identity, verify good funds, and track payment settlement. With our real-time fund verification, you can immediately determine if you have sufficient funds to pay. This eliminates chargebacks, processing fees, and costly, time-intensive follow-up.
Assurety is the blockchain-based, payment authentication process unique to the Phonotronics Bank Network. It creates an automatically notarized record trail that is secure, certified, and fully auditable. Records can’t be altered in any way, assuring transactions on the Phonotronics Bank Network are valid and free of tampering.
From branding to checkout to fund transfer, the Phonotronics Bank Network is the most seamless and intuitive way for you and your customers to send and receive money. Our checkout experience makes the payment touchpoint a memorable one for your customers. And with full customization and a powerful set of APIs, you have ultimate control over the payments experience.
Fund on file lets authorize, charge, and re-use your customers’ payment methods without accessing their private information directly. And it’s easy to set up automated, recurring billing, too. Set up monthly, annual or custom payment schedules.
Connect instantly with 16,000 banks to authenticate identity, verify good funds, and track payment settlement. Your customers can use their online bank login to instantly connect and pay with verified funds in real-time.
Give your customers one place to go for all payments. Our Payer Portal provides a comprehensive overview of all payments your customers have made through your branded or embedded Phonotronics Checkout and Billing Portal.
From PCI compliance and AML laws to Bank KYC underwriting requirements and fraud monitoring, we handle the complexity involved with payment processing so you can focus on what you do best.