Your shoppers already enroll, link their phone, and clip offers in your app. BioePay lets them pay straight from their bank with a phone number and a PIN — no card networks, no interchange, and the customer stays yours.
Pay by bank at the register — not a banking-app transfer. Your shopper pays in the lane, the way they'd use a card.
On a card payment, the networks take an interchange tax on every swipe — and the issuing bank, not you, owns the customer. Tap “Pay by bank.”
Illustrative: average U.S. card interchange runs ≈ 1.8% + fixed fee on an in-person sale (Nilson / Visa & Mastercard published supermarket rates, 2025–26). Debit is lower; premium rewards credit is higher.
Paper checks were king, and they carried no interchange. Then the card was laid on top of the same bank account — and a tax was attached to every swipe. The rail never changed. The toll-collector did.
A payment drawn straight from the checking account. Free to accept, no network in the middle.
The same bank payment, wrapped in a card — so banks could levy a tax on every swipe and sell the float back as overdraft protection.
BioePay puts the bank payment back in your app — the good part of the check, without the card tax, and the customer stays yours.
Two ways to go deeper: the mechanics of enrollment and checkout, or the full business case against every other model.