For years, businesses grappled with an unyielding trade-off: speed or security in payments. The result? Billions lost annually to cart abandonment and stalled transactions. Authvia, backed by partnerships with WorldPay, Bitly, and Chase, is rewriting this narrative. By embedding payments directly into messaging platforms, Authvia empowers businesses to capture revenue up to 30% faster while offering unparalleled security and simplicity.
Authvia’s patented TXT2PAY® technology integrates seamlessly with over 250 payment processors, including Worldpay, and US Bank/Elavon. This allows businesses to process payments directly within SMS, WhatsApp, and RCS, removing friction and enabling commerce through the communication tools customers already use daily. The platform meets consumers where they are, creating a payment experience that’s fast, direct, and free from the need for apps or portals. “We’ve enabled businesses to send a payment request directly through their existing messaging channel and put it instantly in the palm of their customer’s hand,” says Chris Brunner, CEO of Authvia. It’s a solution that delivers on the promise to capture revenue at unprecedented speeds.
A Shift to Messaging-Based Payments
The growth of text-to-pay did not happen overnight. Consumers became comfortable using messaging platforms, and in time, they wanted more than chat. Brunner saw this shift. “It turns out, customers want to do more than chat. They want transactions in the same thread,” he notes. TXT2PAY® capitalizes on this desire for immediacy, embedding secure payment options directly into conversations, reducing cart abandonment, and addressing a major pain point for businesses.
For example, Appliance Factory, an Authvia client, processes up to 14% of its transaction volume through text-based payments. “Text messages demand instant attention,” Brunner explains, “and that’s why they work so well for payments.” Data shows that 30% of customers pay within two minutes of receiving a payment request through text, a far cry from the days or weeks typical of traditional payment methods.
Security Without Sacrifice
“Authvia’s platform pairs simplicity with top-tier security, leveraging PCI Level 1 and SOC 2 compliance standards. By vaulting sensitive payment information, consumers’ data is protected, reducing risk for both users and merchants. ‘When customers vault their payment details, businesses never handle or store the sensitive data—a game-changer in today’s compliance-heavy landscape,’ Brunner says.” This security is critical, especially in sectors like healthcare and finance, where compliance standards are stringent.
The system’s flexibility also sets it apart. “The system knows if your bank only takes ACH transfers or if credit cards are accepted,” Brunner points out, explaining that Authvia adapts to each transaction’s specific needs. This smart processing reduces the chance of error and maintains a high level of compliance without burdening the customer.
RCS: The Next Step in Messaging Payments
While SMS payments have provided speed and ease, the addition of RCS (Rich Communication Services) adds a layer of immersion that was previously missing. RCS transforms a simple text message into an merchant verified, interactive, branded experience, much like an app but without the need to download one. “With RCS, customers get a visually rich, app-like experience, but it’s all within the messaging app they’re already using,” Brunner explains. The result is a more engaging customer journey that also enhances brand identity, a feature many companies seek.
Through RCS, Authvia clients can offer multimedia features such as images, carousels, and buttons within a message, making the payment process not only seamless but also visually appealing. “RCS brings an entirely new level of customer engagement,” Brunner adds, a feature that will undoubtedly shape the future of digital commerce.
Faster Revenue Capture Across Industries
The speed at which Authvia’s TXT2PAY® captures revenue has caught the attention of companies in multiple sectors. Retailers use it to improve transaction completion rates, while healthcare providers leverage the platform to simplify billing. “We’re seeing incredible results in all categories,” says Brunner, noting that clients have experienced revenue capture rates up to 30% to 60% faster than those using traditional systems.
The healthcare industry has seen particular benefits. Patients, who often face lengthy billing processes, now receive a simple text, complete their payments, and avoid the hassle of paper bills or login-heavy web portals. The result? Faster payments, less overhead, and a smoother experience for patients and providers alike.
The Future of Messaging-Based Commerce
The digital payment landscape is shifting rapidly. As more industries recognize the need for flexible, secure, and fast payment solutions, messaging-based payments are positioned to be a transformative force. According to Insider Intelligence, digital payments are expected to grow significantly in the coming years, with messaging platforms driving a substantial part of that expansion.
As Brunner sees it, “Messaging-based payments aren’t the future; they’re the present.” His vision goes beyond mere transactions. Authvia’s platform can send and receive payments, gather signatures, verify IDs, and capture data—all through a single message thread. This capability, he suggests, is the future of conversational commerce. “The brands that will thrive tomorrow are meeting their customer’s needs today,” Brunner emphasizes.
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