Get Paid 10x Faster

# Text-to-Pay Mobile Payments

Empower your merchants with another way to accept payments and reach their customers where they already are—on their smartphones. No new apps or passwords are required—and their customer data is kept safe.

[Get in Touch](/content/products/payment-gateway/text-to-pay/#talk-to-our-team/index.html)

## Faster and Simpler Payments Via Text Message

Nearly all of your merchants’ customers carry smartphones in their pockets. That means they are nearly always accessible and text messaging is a familiar, low-barrier communication channel. By integrating payment capabilities into texting, a whole new world of possibilities opens up for seamless customer interactions.

Our conversational Text-to-Pay commerce platform delivers speed, convenience, simplicity, and security for both merchants and their customers—enabling seamless payments, card captures, and quick approvals.

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

## 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

## Key Features of this Payment Gateway Extension

## Putting the Phones to Work for Your Merchants

Text-to-pay is a fully contactless solution that delivers a cost-efficient, secure, frictionless and fast payment experience. Merchants can securely **request and receive payments via text up to 10 times faster than traditional payment methods**. With NMI’s Text-to-Pay integration, you’ll decrease your transaction time and improve your customer satisfaction.

**10x** faster than other payment methods

### Your Gateway Experience

With our Text-to-Pay integration, merchants can initiate conversations, send invoices, receive payments, and issue receipts—all via text messages with their customers.

### Your Merchant’s Experience

Today’s customers expect fast, simple, and secure payment experiences from their mobile devices. Our Text-to-Pay integration provides a convenient way for customers to pay bills or invoices from their mobile phones, through the text messages they receive from your merchants.

### Data Security & PCI Compliance

Text-to-Pay offers the highest level of Payment Card Industry Data Security Standard (PCI-DSS) compliance to keep customer data secure. The integration manages customer data, saving preferred payment methods and adding speed and security to any text-to-pay request. The app stores the merchant’s client’s payment information with Level One PCI security. Additionally, it manages compliance and regulatory requirements such as Nacha, TCPA, HIPAA, GDPR and CCPA.

## How It Works

Text-to-Pay 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.

## Elegantly Solve Multiple, Complex Payment Issues with a Text

### 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

### 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**

## Ready to See Text-to-Pay in Action?

[Book a Demo](/content/products/payment-gateway/text-to-pay/#talk-to-our-team/index.html)

Your Catalyst for Growth in Embedded Payments.