Why Should I Enable Payments Via Text Message?_

First and foremost, nearly every single one of your merchants’ end customers carries a smartphone around in their pockets these days. That means they are almost always accessible, and that texting with them is a familiar means of communication with a low barrier to entry. And when you start layering in payments capabilities into texting, a whole new world opens up with them. Authvia TXT2PAY is a conversational commerce platform that offers speed, convenience, simplicity and security for both merchants and their customers when it comes to taking payments, capturing cards and getting approvals.

It’s a simple solution that elegantly solves multiple, complex payments issues, such as: Invoices sent via email have a low, slow open rate Email is not PCI compliant, so it poses greater security risks Merchants struggle to contact customers and receive payments quickly


Simply enable this value-added service in the NMI Marketplace, and your merchants can begin sending invoices and receiving PCI-DSS compliant payments immediately.

The Business Power of Text Messaging_

97%

of consumers send or receive at least 1 text per day

98%

open rates for text messages (vs. only 20% for email)

82%

of consumers open texts within just a few minutes

70%

of organizations message directly with customers

91%

of consumers message with businesses

Features & Benefits_

Text-to-pay is a truly contactless solution that delivers a cost-efficient, secure, frictionless and fast payments experience. In fact, merchants can securely request and receive payments via text up to 10 times faster than other payment methods. With NMI’s Authvia TXT2PAY integration, you’ll decrease your transaction time and improve your customer satisfaction.

ISO and Software Vendor Benefits

  • Increases speed-to-payment
  • Creates a frictionless payment experience
  • Eliminates PCI and data security risks
  • Improves internal operations
  • Keeps customer data safe
  • Enables another payment channel for your merchants with virtually no integration, no new apps and no new passwords

10x

faster than other payment methods

Merchant Benefits

  • Opens another channel of payments for you

  • Reaches customers wherever they are—no new apps or passwords

  • Makes payments easy, speedy and efficient

  • Empowers you to retain control of your whole payments process

  • Keeps customer data safe

Merchants are using TXT2PAY across a wide   variety of use cases ranging from invoicing, accepting donations, paying bills, sending reminders and more.

Enable TXT2PAY

How It Works_

Authvia TXT2PAY is the latest offering in NMI’s growing, diverse marketplace of value-added apps. Watch our product features highlight video to see everything it makes possible with your payments and what you can do with it.
Curious to see a full product walkthrough?
Watch our demo video.

Your Gateway Experience_

With our Authvia TXT2PAY integration, merchants can create a conversation, send invoices, receive payments and send receipts—all via text messages with customers.


Start conversations with customers

  • Create payment requests with customizable instructions, topics, payment expiration dates and defined merchant fields
  • See a text preview before it’s sent to a customer
  • Send instantly—your messages go out without any delay
  • Receive payments and send receipts automaticall


Manage customers and in-progress, completed and expired conversations

  • Search existing customers and conversations
  • Take action in the conversation details
  • Download conversation reports
  • Merchants with multiple processors will have the option to select which processor they want that payment to be processed on

Want a step-by-step “how to use” guide for Authvia TXT2PAY?
Read our guide.

Your Merchant’s Experience_

Customers today expect fast, simple, secure commerce experiences for nearly everything from the convenience of their mobile devices. And the Authvia TXT2PAY integration gives them a simple, convenient way to pay a bill or invoice with their mobile phones from right within the text messages they receive from you.

Receive a link with instructions to add payment details

  • If the customer has paid any merchant via Authvia, their information is tied to their mobile number and will automatically populate and generate a payment code
  • If they are new to Authvia, they will simply add their credit card and billing information, which will be safely stored with Authvia

Confirmation after the card is processed

  • The receipt page is able to be printed and downloaded
  • The customer also receives a text message confirming that payment was successful

Reduce Attrition & Drive Revenue with Value-Added Services_

NMI is the payments gateway of choice because of our flexible, customizable, reliable platform. But what keeps merchants on—and growing on—our platform are our NMI-built and 3rd-party value-added services.

Visit the NMI Marketplace for a centralized view of all the advanced payment services we offer and, for merchants, a streamlined view of the services you have to make available to your customers.

See All Apps

FAQs_

Is this PCI compliant?

Yes, Authvia stores the merchant’s client’s payment information with Level One security for the Payment Card Industry Data Security Standards.

Can the merchant’s customer change their payment method?

Yes, they can click on the link in the provided text message and change their payment method.

Does Authvia verify the recipient’s phone number?

Authvia authenticates the number, carrier and device to ensure that they are valid. Authvia then locks the link to the phone number.

277K

Merchants

2.2B

Transactions

$203B

Annual Payments

3.5K

Partners