![](https://paya.com/wp-content/uploads/2019/03/hands-on-computer_758281457-490x345.jpg)
• Authorization is obtained from the client.
• Transaction information uploaded to Paya through a variety of options (virtual terminal, payment gateway, API or batch file).
• Funds electronically debited from merchant or client.
• Funds electronically deposited into merchant’s or client’s account.
![](https://paya.com/wp-content/uploads/2022/04/people-volunteering-at-soup-kitchen-490x345.jpg)
• Check verification and check guarantee
• Virtual terminal
• Web-based user interface or APIs available, customer information management systems, and user-defined fields
• Supports multiple locations/users, data export for third-party accounting/archiving, and multiple third-party gateways
![](https://paya.com/wp-content/uploads/2022/04/person-swiping-on-phone-490x345.jpg)
• Improved cash flow with expedited payments
• Eliminate banking fees and paper check handling costs
• Reduce bad checks
• Automatic notification and resubmission of NSF items
![](https://paya.com/wp-content/uploads/2022/04/doctor-caring-for-kid-490x345.jpg)
• Membership organizations
• B2B
• Medical, insurance, and other bill payment
• Government and utilities
• Education and nonprofits
• Property management
• Any business interested in offering an ACH payment option