Billpay · credit-card → ACH
Swipe a card. Settle ACH. Predictable cash flow. One vendor-consolidation point at every invoice.
POINTS billpay turns a credit-card swipe at the vendor invoice into a settled ACH payout on the back. No declined recurring ACH. No surprise card-network markup. One vendor-consolidation point. Billpay is coming soon; in development and not available today.
Worked example · $1,000 vendor invoice
$1,000 at the front, settled ACH at the vendor (illustrative).
Below is an illustrative one-thousand-dollar vendor invoice, line-by-line. Surcharges the merchant would normally pay for paying the vendor with a card are surfaced on the left; the billpay conversion clears the card surcharge and lands an ACH at the vendor. Billpay pricing is coming soon, so no POINTS fee is shown.
- 01Vendor invoice subtotal$1,000
- 02Vendor card surcharge avoidedTypical 2.75% surcharge when paying by card$28
- 03ACH delivery to vendorSame-rail ACH, no card-network markup$0
The $1,000 invoice is illustrative. Billpay pricing is coming soon; no fees are published until billpay is live.
How it works
Three steps. One settled vendor ACH.
Billpay on POINTS is designed as a card swipe at the front and an ACH at the vendor on the back. The operator or agent captures the vendor invoice at step one — no new card programme required — and the vendor receives a settled ACH. Billpay, including its pricing, is coming soon; in development and not available today.
STEP 01 · CAPTURE INVOICE
Operator swipes a card on the vendor invoice.
A human operator or the agent itself captures the vendor invoice line — name, amount, due date — and swipes the card on the front. The card rails stay open; the cardholder is the operator or an agent-branded virtual card with per-tx caps. No new card programme to mint for the agent.
STEP 02 · CONVERT TO ACH
POINTS converts the charge to ACH in flight.
Between the settlement day and the vendor payout, POINTS moves the balance off the card rail and onto a same-day ACH rail. No card-network surcharges at the merchant. Billpay pricing is coming soon and is not published yet.
STEP 03 · VENDOR RECEIVES ACH
Vendor receives via ACH — one consolidation point.
The vendor sees one ACH per cycle — a settled payout against the invoice, on rails the vendor already accepts. Recurring auto-debits no longer bounce off a low-balance day in your operating account. Cash flow is predictable; the audit trail is hash-pinned.
vs paying vendors with a card
Why not just pay the vendor with a card?
You can — and many operators do. POINTS billpay is for the operator who wants the vendor payout to land on ACH, the auto-debit to stay reliable, and the audit trail to be hash-pinned. Six rows the founder gets asked about most when an operator comes in already paying vendors with a card.
- 01Vendor card surcharge
2.5–3.0% on top of every invoice
Pricing coming soon
- 02Recurring ACH reliability
Auto-debits can bounce off a low-balance day
Operator floats the card on the front
- 03Vendor payout consolidation
Settled per invoice, no rollup
One ACH per operator cycle, audit trail per row
- 04Cash-flow float
Funds locked the day ACH clears
Operator-controlled float, settled behind the card
- 05Audit trail
Card statement + ACH receipts (reconciled by hand)
One hash-pinned ledger row per invoice vs. vendor
- 06Fee compounding
Surcharge + processor markup + interchange tiers
Pricing coming soon; no rates published yet
Early access
Billpay is coming soon.
Join the agent platform today; billpay and its pricing are coming soon. In development; not available today.
POINTS is not a bank. Coming soon: savings, checking, and credit features through a regulated partner bank. In development; not available today.
Demo · marketing surface
The billpay flow described above is a planned design: a single, settled ACH behind a card swipe on the front. Billpay is coming soon and its pricing is not published yet. POINTS does not move money on this page — no card is charged, no vendor is paid, and no fee is collected.
- The $1,000 invoice is illustrative — billpay pricing is coming soon.
- Settlement and underwriting details will be published when billpay launches.
- ACH settlement is coming soon through a regulated partner bank. In development; not available today.
- This page is a marketing surface — no real vendor payouts flow through it during the early-access window.