Agreement Express and Paya Services Launch Unified Application for Merchant Acquisition

TORONTO, ATLANTA & TINLEY PARK, Ill.–(BUSINESS WIRE)–Agreement Express, the leading provider of total digital onboarding for payment service and wealth management providers, today announced the availability of Paya Services check and ACH offerings on the Agreement Express Unified Application. The integration allows independent sales organizations and independent software vendors to offer Paya Services check and ACH products digitally with a unified digital application on the Agreement Express platform, enabling them to increase the revenue per client with a faster and more efficient digital workflow.

Payroc, a leading payment service provider with nearly $10 billion in annual processing volume, has signed on as an early adopter. They will be first to market with the new combined solution, providing both agents and merchants with a simpler, more efficient application process. “Our partners asked for a simpler way to enroll businesses to accept electronic payments, so we partnered with Agreement Express to create the simplest application possible,” says Ryan Hallett, chief revenue officer for Payroc. “With the connection to Paya Services, our merchants will only have to fill out one application to access all of our offerings, plus with technology and automation in onboarding and data security, our Payroc payment professionals, ISOs and ISV partners will have more time to cultivate new relationships.”

Beyond digital forms and e-signatures, Agreement Express delivers the tools ISOs and ISVs need to offer clients a simple customer onboarding experience, moving applications and transactions through appropriate workflows with robotic process automation, automated know your customer and anti-money laundering due diligence, risk and underwriting decisioning, and robust compliance controls on the back end. The result is a simplified experience for merchants, and faster time to revenue for ISOs and ISVs.

Paya Services’ check and ACH application is integrated into the Agreement Express Unified Application, allowing merchants to sign up for acquiring and ACH payments acceptance products with one, unified, digital application and approval process. Offering more products increases an ISO or acquirer’s processing volume, decreases portfolio churn and increases competitiveness in the rapidly changing payments industry.

With the release of Unified Application, ISOs and ISVs can now offer a unified onboarding experience that includes the following Paya Services merchant offerings:

  • POS Conversion (POP) – Safely accept and process checks electronically at the point of sale with a check reader or an imager
  • Check 21 – Accept all types of checks in a face-to-face or consumer-not-present environment, using front and back check image as a replacement
  • Checks by Web (WEB) – Accept consumer-initiated payments online for bill pay or e-commerce
  • Checks by Phone (TEL) – Accept and process checks over the phone
  • ACH Debit and Credit (PPD / CCD) – Process single or recurring ACH transactions from consumer or business accounts

Tangible ISO and ISV benefits include:

  • Faster time to revenue with digital application, workflow, and approval
  • Ability to increase transactions with a unified application for multiple offerings
  • Optimized, best-in-class experience for digital payment acceptance
  • Simplified risk management with intelligent applications with integrated compliance controls

“We are working with Paya Services to provide their partners with elegant digital experiences,” said Peter Fitzpatrick, vice president payments for Agreement Express. “As an early adopter, Payroc will use our Unified Application technology to offer a truly simple enrollment process, providing their partners and merchants with a single, digital application for both acquiring products and ACH services.”

Representatives from Agreement Express, Paya Services and Payroc will attend this week’s Electronic Transactions Association’s TRANSACT 19 conference at the Mandalay Bay Convention Center in Las Vegas. Visit Paya Services at booth #2612 and Payroc at booth #3616 to learn more.

About Agreement Express

Agreement Express is the only complete client onboarding platform for financial services. The Agreement Express platform allows financial institutions to design and execute consistent automated onboarding experiences across their product offerings and channels, while providing deep analytics that enable proactive and personalized client advice. The platform is the first of its kind to help top performing firms gather, use, and reuse client data to improve and evolve rich customer experiences. Agreement Express enables Fortune 500 financial institutions around the world to provide best-in-class digital onboarding to their clients and grow their business. For more information about Agreement Express, visit or connect with us on Twitter or LinkedIn.

About Paya Services

Paya Services provides merchants with payment solutions to help them get paid faster, increase efficiency and boost customer loyalty through our check processing, ACH processing and gift and loyalty card programs. Our seamless payments platform delivers easy-to-use technology to support every stage of business growth, today and tomorrow. For more information about Paya Services, visit or connect with us on Twitter or LinkedIn.

About Payroc, LLC

Payroc, headquartered in the Tinley Park suburb of Chicago, drives commerce for its merchants with anytime, anywhere payment solutions. Payroc serves its referral partners and merchant clients with integrity as trusted advisors and recognized experts in payments, providing transparent pricing clarity, and developing personal relationships while delivering exceptional technology. Payroc services and supports more than 30,000 merchants throughout North America, providing stability in payments by safely and securely processing over $10 billion in annual charge volume. The company is a full-service merchant acquirer, a registered ISO of MB Financial Bank, N.A., Chicago, Illinois, a registered ISO and payment facilitator of Fifth Third Bank, Cincinnati, Ohio, and a registered ISO of Wells Fargo, Concord, California. For more information, please visit or telephone 844-PAYROC-4 or follow us on Twitter or LinkedIn.


Media Contact:
Aaron Davis
Vice President, Marketing
Agreement Express

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