Make it easy for your customers to pay in cash

PayNearMe is the cash transaction network that lets consumers use cash to repay loans, pay rent, make online purchases, and much more. They can make payments 24/7 in their own neighborhood in less than 60 seconds at any of the 17,000 participating 7-Eleven, Family Dollar, and ACE Cash Express stores across the United States.

The benefits for your business? The easier you make it for your customers who prefer to use cash to pay you, the greater the likelihood they'll make payments or complete a purchase with you. With PayNearMe, your business can:

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Add thousands of cash registers

7-Eleven, Family Dollar, and ACE Cash Express’s nationwide network of more than 17,000 stores gives your customers more opportunities to pay you—and fewer reasons not to.

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Reduce costs and risk

Reduce labor costs, fraud, errors, and risk associated with collecting cash on-site. Eliminate money orders which can be expensive and complex to process.

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Increase customer loyalty

No forms, no high fees, and the ability to pay with cash in their own neighborhood any time of day: Your customers will have more reasons to stay with you.

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Get instant payment notification

PayNearMe lets your business know in real-time the moment payment is received in-store, and transactions are 100% guaranteed good funds — no fraud or chargebacks.

PayNearMe is simple

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Customer chooses PayNearMe as payment method. Merchant provides a PayNearMe Card or PaySlip, which can be printed, emailed, or sent to the customer’s mobile phone.

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Retailer
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Customer visits the nearest PayNearMe retail location where the cashier swipes or scans the PayNearMe Card or PaySlip.

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Customer pays with cash and the cashier provides a detailed receipt which can optionally be customized by the merchant.

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Merchant is immediately notified of payment—transactions are 100% guaranteed good funds without the risk of fraud or chargebacks.

Making a payment with PayNearMe is easy. Try it yourself with this short demo.

Merchant setup is also easy, and you can start accepting cash payments right away with PayNearMe Express. We also offer flexible integration and customization options that adapt to your workflow and industry practices. Learn more about our technology.

Broad industry adoption

Businesses in many industries are expanding their products and services to customers who prefer to pay with cash. Auto lending, rent payment, utilities, direct selling, online games, transportation, and education are great examples of industries that are adopting PayNearMe. Learn more about how PayNearMe offers cash payments for your industry, and see our showcase for examples of our latest merchant partnerships.

Get started with PayNearMe now

Choose the PayNearMe product that's right for your organization and start accepting cash payments the easy way.

Get started

 

Get started with PayNearMe

Choose the PayNearMe product that's right for your organization:

  • Express
    PayNearMe Features
    Payments initiated via PayNearMe.com
    Real time payment notification
    Email Customer Support

    One time set-up fee / Free

  • Pro
    PayNearMe Features
    Payments initiated via PayNearMe.com
    Real time payment notification
    Receipt customization
    Website and business process integration
    Email & Phone Customer Support

    One time set-up fee / $499

  • Custom
    PayNearMe Features
    Payments initiated via PayNearMe.com
    Real time payment notification
    Receipt customization
    Website and business process integration
    Payment instructions printed on invoice (EBRT)
    Full API access
    Email & Phone Customer Support

    One time set-up fee / Quote

Express Pro Custom
Payments initiated via PayNearMe.com Check Check Check
Real time payment notification Check Check Check
Receipt customization Check Check
Website and business process integration Check Check
Payment instructions printed on invoice (EBRT) Check
Full API access Check
Customer support Email Email and Phone Email and Phone
Transaction fee $3.99 charged to consumer
or 3% charged to business
Varies Varies

One time set-up fee

Free

normally $199

$499

Quote

Sign Up Contact Sales Contact Sales

See all product details

Express / Free

Express is the ideal product for businesses who want to start accepting cash payments immediately. No engineering or development work is needed.

It’s easy to get started. You’ll include your bank account details when you sign up online and we’ll verify your business information (in less than two business day).

You can start adding customers immediately. Sign in to your account on PayNearMe.com to add customers, send email notifications and print PayNearMe PaySlips.

Your customers visit PayNearMe.com/pay to get a PayNearMe PaySlip which they can print or send to their mobile phone. Then they visit their local PayNearMe payment location to pay in cash.

Notification of cash receipt is real time and funds are routed automatically to the bank account indicated. It’s easy for your customers and easy for you.

Pro / $499

Pro is the right product for businesses who want to start accepting cash payments and need integration with their existing billing systems or websites.

For example, your business may already offer online credit card payments via your website. PayNearMe Pro enables your customers to pay with cash on your existing website.

PayNearMe Pro also offers integration with your existing billing and business process systems. For example, cash payment notification information can automatically be passed directly to your accounting system.

With PayNearMe Pro, your business can accept cash payments in a way that fits best with your existing business systems.

Minimal engineering work may be needed and PayNearMe will help with this process.

Custom / Quote

Custom is the choice for businesses that want to tightly integrate PayNearMe with their existing systems. With PayNearMe Custom, your business receives access to our developer APIs enabling you to integrate PayNearMe into robust applications.

For example, if your business sends regular bills or invoices to customers, you may want to use Electronic Bar Code Remittance Technology (EBRT) to print a personalized barcode or payment code on each document. Customers take their bill to a local PayNearMe payment location making it easy to pay in cash right from the bill.

Or your business might have a specific web application where you want to enable cash payments.

Development effort with PayNearMe Custom is more involved than with PayNearMe Pro, but it gives your business much more flexibility and customization capability.

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Sign Up for PayNearMe today!

Note: PayNearMe does not currently support sole proprietorships

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PayNearMe Pro

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PayNearMe Custom

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Industries adopting PayNearMe

PayNearMe's cash transaction network enables businesses in many industries to accept cash anytime of day wherever their customers are located. Learn how businesses in your industry are extending their reach to customers who prefer to pay in cash.

Auto Lending

Property Management

Utilities

Auto Lending

Auto lenders, especially in the subprime and buy-here-pay-here markets, are adopting PayNearMe as a convenient option for consumers who prefer to pay in cash. Auto lenders offer new customers the PayNearMe option when they purchase a new vehicle and the customer can visit a 7-Eleven, Family Dollar, or ACE cash Express to pay their loans in cash anytime. By offering a convenient and easy way to pay in cash, auto lenders are improving revenues and profitability.

Learn about accepting cash payments for auto lending

We are pleased to bring PayNearMe’s innovative cash payment solution to our customers and the valued consumers they serve. PayNearMe eliminates the strain that cash has put on dealers historically. By eliminating this burden, cash payments are easier for dealers to process than checks and credit cards. Plus, our dealers can offer an even higher level of service to their customers.

Allen Dobbins

President and CEO, AutoStar

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Property Management

Not every renter has a credit card or bank account. For them, paying rent on time involves finding a way to get cash to you. Now there’s a quick and easy way to solve this challenge. Property managers and owners are adopting PayNearMe as an innovative service for their residents who need to pay in cash. By giving them a quick, easy cash option, PayNearMe makes cash rent collection more convenient for them—and more efficient for you.

Learn about accepting cash payments for property management

AppFolio has a history of providing the best, most innovative services to property owners and management companies that help them run a more profitable and successful business. By integrating with PayNearMe, we will be able to deliver the best possible way for property owners to accept and manage cash.

Brian Donahoo

CEO, AppFolio

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Utilities

For those without credit cards or bank accounts, keeping the lights on (or the water or gas flowing) means finding a way to pay their bills in cash. However, a trip to a central payment location is often a hardship, especially for the elderly and disabled but also for those who work full-time. PayNearMe removes the hassle, helping customers pay their bills in cash in their own neighborhood, anytime, and increasing utilities’ ability to collect in a timely manner.

Learn about accepting cash payments for utilities

“With recent economic changes, it has become increasingly important to our community to have more options in bill  payment. Specifically, customers need cash alternatives to traditional payment avenues.”

Wade Brown

Financial Services Manager, City of Fairfield

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Direct Selling

Social Services

Transportation

Direct Selling

Do some of your sales representatives prefer to pay for product inventory from you in cash? PayNearMe makes this an easy process. Your sales reps can visit one of over 17,000 retail payment locations throughout the U.S., many of which are open 24/7, and send you cash quickly and securely. Discover why direct selling companies are leveraging PayNearMe as an innovative and convenient cash payment processing service.

Learn about accepting cash payments for direct selling

PayNearMe makes it so easy for our representatives to make payments in cash. With locations in every neighborhood open day and night, they never have to worry about missing a payment and can focus on growing their business instead. PayNearMe has opened a world of opportunity for every direct seller.

Antonio Carranza

Operations and Supply Chain Senior Manager Armand Dupree

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Social Services

With more social services agencies utilizing online statements and enabling online payments, it is important to offer parents who don't have debit or credit cards an easy way to pay with cash. PayNearMe is an electronic cash transaction network that can integrate with existing payment platforms and electronic bill pay presentment services.

Learn about accepting cash payments for social services

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Transportation

Cash-paying customers make up a significant portion of the traveling public. But paying at a walk-up ticket counter is an often time-consuming and inconvenient process. What if they could order tickets online, then transmit cash from a retail payment location in their neighborhood? PayNearMe makes it quick, easy, and safe.

Our passengers represent a wide cross section of the public, but the one thing they have in common is their smartphones. We want to make it as easy as possible for customers to purchase bus tickets, and PayNearMe's new smartphone-enabled barcodes have given our passengers a great way to pay for their tickets using an indispensable part of their everyday lives.

Dave Leach

President and CEO, Greyhound

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Lending

iGaming & Wagering

eCommerce

Lending

It’s not always easy for borrowers who repay their loans in cash to get to a lender’s branch and make on-time payments. PayNearMe helps you bridge that gap, offering a way for your cash customers to repay you at a popular retail location right in their neighborhood. They get speed and convenience. You get paid faster and more reliably.

PayNearMe allows us to expand the number of payment locations for our customers in a cost-effective way.

James Gutierrez

CEO, Progreso Financiero

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iGaming & Wagering

For iGaming and wagering operators, accepting credit cards results in fraud and chargebacks. In addition, card transactions are often rejected due to legacy ‘7995’ coding. As a result, accepting cash represents a more reliable, risk-free alternative for funding accounts. For consumers who are wary of linking their bank accounts and credit cards with their iGaming, fantasy sports or wagering accounts, paying with cash addresses privacy concerns and facilitates responsible play.

Want to start accepting cash on your iGaming or wagering website? Contact us to learn how >

Learn more about our cash-processing activities in this vertical and how it is different from the rest of our business. Learn More >

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eCommerce

Do you offer products or services online that you would like to make available to customers that might not have access to a credit card or debit card? With PayNearMe, you can let your customers buy from your online site and pay you in cash at a local payment location such as 7-Eleven, Family Dollar, or ACE Cash Express. You're notified of cash payments instantly and transactions are 100% guaranteed good funds without the risk of fraud or chargebacks.

Want to start accepting cash at your e-commerce website? Contact us to learn how   >

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Collections

Bill Presentment

Other Industries

Collections

By making it easier and more convenient for credit-challenged individuals to pay you in cash, PayNearMe could be your most powerful debt recovery tool yet. With PayNearMe, you provide payment instructions over the phone or via text or email. Debtors can pay with cash, securely, at a retail payment location right in their neighborhood. They have one less excuse, and you gain better recovery rates.

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Bill Presentment

Consumers pay nearly $100 billion in utility bills with cash each year. And with over 28% of U.S.-households un- and under-banked, cash isn’t going away anytime soon. At the same time, utilities are under increasing pressure to manage costs and eliminate cash windows. PayNearMe’s innovative approach delivers the most technologically-advanced, easiest-to-use cash payment network available. Learn how we can help your clients (and their customers) make cash payments 24/7 at any one of our convenient payment locations nationwide.

Learn about accepting cash payments for bill presentment

With over 60 million individuals who can’t pay by check or credit card, customer service departments need an additional method to handle an increased volume of cash payments without negatively impacting operating budgets. We've integrated PayNearMe to offer our municipal and utility clients additional cash payment choices for their customers.

J.D. McNaul

Vice President of Sales, InfoSend

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Other Industries

Don’t see your industry here? PayNearMe works with a wide range of businesses and payment systems. We may already have an out-of-the-box cash payment solution for you or can work with you to easily customize one. Please provide us with a little information to get started, and we’ll be in touch.

Learn about accepting cash payments for other industries   >

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Learn how businesses are using PayNearMe

Businesses in many industries are expanding their products and services to customers who prefer to pay in cash. Learn how our current partners are leveraging PayNearMe to grow their business, reduce costs, and improve customer loyalty.

Greyhound

Of the ticket sales completed by Greyhound each year, approximately half were paid for with cash. To encourage greater use of its website for ticket purchases, Greyhound sought a way to enable its customers to book their tickets online yet still pay with cash. PayNearMe's cash payment network proved to be the ideal solution.

Download Greyhound Case Study

Our passengers represent a wide cross-section of the public, but the one thing they have in common is their smartphones. We want to make it as easy as possible for customers to purchase bus tickets, and PayNearMe's new smartphone-enabled barcodes have given our passengers a great way to pay for their tickets using an indispensable part of their everyday lives.

Dave Leach

President and CEO at Greyhound

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H&R Block

“ H&R Block strives to serve its millions of clients anywhere, anyhow, anytime, and in any way that it can. PayNearMe lets us take this to an entirely new level by giving our customers the best means available to make cash payments to their Emerald accounts. ”

Todd Rice

Vice President of Financial Services, H&R Block

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Armand Dupree

Armand Dupree chose PayNearMe to help grow its cosmetics sales network in the U.S. with an easy cash payment system. Many of the company's sales representatives do not have credit cards or bank accounts and Armand Dupree realized it needed a foolproof system to achieve its growth goals.

PayNearMe makes it so easy for our representatives to make payments in cash. With locations in every neighborhood open day and night, they never have to worry about missing a payment and can focus on growing their business instead. PayNearMe has opened a world of opportunity for every direct seller.

Antonio Carranza

Senior Manager, Operations, Armand Dupree, Inc.

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Infosend

Billing service provider InfoSend supports both finance and customer service departments at municipal utilities and other large-scale billers, producing and sending bills to customers. InfoSend partnered with PayNearMe to add an easy cash payment option for its customers. Now with a simple swipe of a barcode printed on the bills InfoSend generates, utility companies can enable their customers to quickly pay bills with cash in their own neigborhoods.

Download InfoSend Case Study

With over 60 million under- or un-banked individuals who cannot pay by check or credit card, Customer service departments need an additional method to handle an increased volume of cash payments without negatively impacting operating budgets. We've integrated PayNearMe to offer our municipal and utility clients additional cash payment choices for their customers.

J.D. McNaul

VP of Sales, InfoSend, Inc.

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Appfolio

“ AppFolio has a history of providing the best, most innovative services to property owners and management companies that help them run a more profitable and successful business. We are proud to announce that we will add cash payments powered by PayNearMe to our extensive suite of services...By integrating with PayNearMe, we will be able to deliver the best possible way for property owners to accept and manage cash. ”

Brian Donahoo

CEO, AppFolio

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Alarca Realty

Alarca Realty is the Charlotte Area's Income Property Expert.

Alarca specializes in the purchase, renovation, management and sale of income properties within Charlotte and surrounding communities. This includes single family homes, town homes, condominiums and 1 - 4 unit multi-family homes.

Download the Alarca Realty case study

“PayNearMe Express has made an instant impact to our business. It was easy for us to implement, and worked seamlessly from the first transaction. Both our tenants and property owners appreciate the improved convenience and dependability PayNearMe provides.”

Bob Abbott

Owner/Broker, Alarca Realty

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Public Auto

Public Auto is a buy-here-pay-here (BHPH) dealer but recognized that the “pay here” model was difficult for its customers, many whom were spending a lot of time and gas money traveling long distances across the Dallas-Forth Worth area to deliver payments in-person. Public Auto needed to find a more convenient payment option for customers. They chose PayNearMe to address these challenges.

Download Public Auto Case Study

60% of our new customers are choosing PayNearMe as their car re-payment method because they find this payment option to be much more convenient. PayNearMe is helping us collect payments with a higher degree of reliability. For Public Auto and for our customers, it just makes sense.

Earl Massingill

Operations Manager, Public Auto

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AutoStar

“ We are pleased to bring PayNearMe’s innovative cash payment solution to our customers and the valued consumers they serve. PayNearMe eliminates the strain that cash has put on dealers historically. By eliminating this burden, cash payments are easier for dealers to process than checks and credit cards. Plus, our dealers can offer an even higher level of service to their customers. ”

Allen Dobbins

President and CEO, AutoStar

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Automotive Credit Corporation

ACC—working in conjunction with PayNearMe—has found a way to enable its customers to make car loan payments with cash at convenient locations near their home and work. PayNearMe is being rapidly adopted by new ACC customers, and the company says this new cash payment option is projected to quickly surpass traditional services because PayNearMe is more cost effective for ACC's customers.

Download ACC Case Study

We’re pleasantly surprised at how the PayNearMe option is catching on. While we didn’t have any specific goals in mind about how many customers would use PayNearMe at first, we’re clearly exceeding our expectations and continuing to see its usage grow over time.

Joe Adorjan

Collections Operations Manager, ACC

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MarkOne Financial

“ PayNearMe Auto is a game changer for the subprime auto industry. This innovative product represents how technology is redefining the future of payments. By turning 7-Eleven stores into designated payment locations, and virtual extensions of our business, we can now offer customers added convenience without the cost and staffing burdens of opening additional MarkOne branches. ”

Bruce Newmark

President, MarkOne

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Duke Properties

“ PayNearMe gives our residents the simplest, most cost-effective way to pay rent in cash while eliminating the operational burdens of accepting cash and money order on our end. ”

Albert Dweck

Owner, Duke Properties

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Progreso Financiero

Progreso Financiero is a financial institution dedicated to the economic advancement of lower-income Hispanic families, who are often exploited by installment loan options and enabling them to establish a payment history for credit score purposes. PayNearMe enabled any 7-Eleven to act as a payment center for Progreso Financiero, allowing customers to make payments conveniently in their own neighborhoods 24 hours a day.

Download Progreso Financiero Case Study

We are excited to be among the first companies to provide our customers with the PayNearMe mobile payment experience. In doing so, we give them greater flexibility to turn their phones into cash-payment tools, making their overall experience in paying off their loans with Progreso Financerio effortless and convenient.

Dave Tomlinson

President, Progreso Financiero

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