Bank Payments

Bank-account payments for US contact center agents

Give your agents a second way to collect on the phone. Same call, same workflow — but the customer pays direct from their checking account via ACH, FedNow or RTP instead of handing over a card. Lower fees, faster settlement on instant rails, no card data to protect, and no PCI scope to defend. Paytia handles the bank connection via licensed partners, so your existing gateway and deposit account keep working exactly as they do today.
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Bank payment options

Bank Account Capture

Capture bank details by phone or online with verification.

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Why take bank payments with Paytia?

When your agent's on a phone call and the customer's ready to pay, they get two options: card, or bank. Pick bank, and there's no card data, no PCI scope, no interchange, and no card-chargeback exposure. For high-value phone payments — legal fees, tuition, premiums, rent — ACH beats cards on cost by a factor of 10 or more.

On the call, the agent sends the customer a secure authorization link — SMS or email — and the customer confirms the ACH, RTP, or FedNow debit from their bank. Money lands in your existing business account on the normal rail schedule. We handle the banking connection through our licensed partners, so you're not on the hook to register as a money-transmitter.

Most customers run bank and card side by side on the same call. The agent offers both, the customer picks, and the cheaper route quietly takes the bulk of the volume over time.

Frequently asked questions

How does a bank payment compare to an ACH debit?

For US businesses, the bank-payment route runs via ACH, RTP, or FedNow. On a phone call, your agent sends a secure link; the customer authorizes the debit from their bank; the money moves direct to your account; no card touches the call. That strips out card-scheme fees and — because there's no card data anywhere — keeps the whole flow outside PCI scope.

How do the fees compare to cards?

Much lower. A card payment on a phone call pays interchange plus scheme fees plus processor fees — usually 2%+. ACH or RTP on the same call is a flat per-transaction fee, typically well under a dollar. On high-value payments the monthly saving adds up fast.

Can we still get chargebacks?

ACH returns exist but work differently — tighter windows, specific reason codes, no open-ended card-chargeback dispute. For most business use cases that's a feature, but it means your own refund process (usually back on the phone) needs to be solid before you shift volume across.

Do we need a separate bank account or processor?

No. Payments settle into the same business account your card payments already land in — nothing to open, nothing to migrate. We handle the ACH, RTP, and FedNow connections through our licensed banking partners.

Ready to cut your card fees?

Tell us what your contact center takes in card payments today and we'll show you what the same volume would cost on ACH or RTP — with the phone-call flow mapped out.

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TCPA & HIPAA Aligned
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