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Custom payment software

ACH, invoicing and phone orders. Built custom.

Custom payment solutions for enterprise finance teams and stores past $100k a month.

Book a 30-minute call Watch a payment run
  1. AuthorisedBy the payer
  2. ValidatedAccount checked
  3. Filed2:45 PM window
  4. Settled5:00 PM ET
  5. MatchedINV-4471

ACH for finance teams

Paid on the right day, with the paperwork.

CCD and CTX files that carry invoice remittance, approved inside your limits.

See B2B payment builds
payables-0915.achSample data
  1. 5200ACME SAMPLE COCCDPAYABLES260915
  2. 622RTN •••••0000ACCT ••••6789$1,842.50
  3. 705RMR*IV*INV-4471*PI*1842.50\
  4. 622RTN •••••0000ACCT ••••2210$620.00
  5. 705RMR*IV*INV-4472*PI*620.00\
  6. 8200ENTRY/ADDENDA 000004$2,462.50

ControllerCFOLimit $25,000 · 2 of 2 approved

Filed · 2:45 PM ET windowBank cutoff is earlier

Stores past $100k/month

Bank payments at checkout, checked first.

The account is validated before the first debit. Every return is handled by its code.

See pay by bank
Checkout · sample storeSample data
Order 20931$186.00
Card Pay by bank

Bank account linked••••6789

Account validatedbefore first debit

Authorization acceptedcopy emailed

DescriptorPURCHASE

Return riskLow

Debit scheduledReturn window 60 days

Invoicing platforms

Invoices that get paid and match themselves.

Hosted pay links, partial payments, and remittance matched back to your ledger.

See invoicing builds
ReceivablesSample data

INV-4471Acme Sample Co.

Roasting equipment service$1,842.50

DueSep 30

Paid by bank$1,000.00

Balance$842.50

Deposit 0915$1,000.00Matched · INV-4471

Deposit 0915$620.00Matched · INV-4472

ReminderSep 27Scheduled

Phone orders

Orders keyed in without keeping card data.

Agents see the last four digits. Keypad tones stay out of the recording.

See phone-order builds
Agent desk · call 00:02:14Sample data

CallerDana M.Order 5512 · $94.00

Card •••• •••• •••• 1111
Security code Used once · not stored
  • Keypad tones masked
  • Recording holds no card digits
  • Screen shows last four only

Approved · receipt sent

Payments broken today

Returns climbing? Files rejected? We repair it.

We repair payment operations: read the return codes, fix the causes, watch the rate.

See payment rescue
Return rates · last 60 daysSample data
Unauthorized0.31%limit 0.5%
Administrative1.2%limit 3%
Overall4.8%limit 15%
  1. R10Authorization wording rewritten
  2. R03Account validation on first use
  3. R01Retries capped at two

Under all three limits

Also built

The rest of the money side.

More payment rails and records, each scoped on a call and built for your stack.

  1. ACH Recurring ACH payments Schedules, notices, retries only where rules allow.
  2. REC Payment reconciliation Orders, settlements and deposits matched daily.
  3. DSP Chargeback prevention Alerts answered before a dispute is filed.
  4. API Gateway integration Hosted card fields, webhooks, order states.
  5. HRM High-risk, explained What underwriters read, and what we build around it.
  6. ODFI ACH payment processing On your bank's origination or a licensed processor.

How a build runs

Scoped, tested, then switched on.

  1. 01

    Call

    What moves, how often, and who approves it.

  2. 02

    Spec

    Every screen, file and rule, written before code.

  3. 03

    Test

    Sample files and payments run end to end.

  4. 04

    Live

    Switched on with you watching the first payments.

  5. 05

    Watched

    Return rates and exceptions monitored after launch.

See three concept builds, screen by screen

After the cart

Tell us what has to move.

Thirty minutes with the people who build it. Scoped and quoted on the call.

Book a 30-minute call Email the team