How it works

A phone number and a PIN. That's checkout.

Enrollment happens once, in your app. After that, paying is faster than reaching for a card — and it works even without a smartphone at the register.

1

Enroll once

In your app, the shopper adds a bank account and picks a PIN. Opt-in and bank-verified. No card to issue, carry, or replace.

2

Pay at checkout

A phone number and a PIN at the register — in-lane or online. No wallet, no card, no smartphone required.

3

Verify

Real-time bank-account verification confirms the payment before it clears — the same check we've run for decades.

4

You get paid

Funds settle to your account. Returns are handled and recovered on our side — not yours.

The details

Built to be the easiest payment on the counter.

No card, no smartphone
The shopper's bank account is the card. Paying takes a phone number and a PIN — so it works for everyone, including shoppers without a smartphone or without traditional credit.
Bank-verified in real time
Every payment is validated against the account before it clears, drawing on real-time verification of the great majority of US bank accounts — infrastructure we've operated at the point of sale for decades.
Lives in your app
Enrollment and rewards sit inside the loyalty app your shoppers already use. No separate app to download, no new habit to build — the reason most new payment methods never get adopted.
Returns are on us
Account validation, non-sufficient-funds handling, and recovery sit with BioePay, not with you. You see the payment; you don't chase the exceptions.
Fund the incentive from the savings
With no interchange to pay, you can fund a rewards incentive from what you no longer lose to the networks — giving shoppers a reason to enroll and to keep paying this way.
Let's strategize together

See it run on your own shoppers.

Our payment experts will map a pilot against your loyalty program — real conversion, your customers, before you scale anything.

Start a pilot conversation The case for retailers
Pilot first No rip-and-replace Proof on your shoppers