Faster Cash. Higher Profits.
We’re bringing you real-time Instant Bank Pay, the safest and fastest payment services delivering direct cash deposits from customers to your business bank account instantly at checkout.
Next up, we’re offering AutoOptimSM – an AI-based automated service that takes the guesswork out of incentive giving and optimizes profits while delivering personalized Perks to Instant Bank Pay customers.
Combined, these next-gen digital payment and perks services help your business increase profits by cutting credit card fees and bringing in good-paying, repeat customers.
We are living in a different era
Tapping Real-Time Bank Payments
Until now, real-time, bank-to-bank payments have been widely used for bill pay and account transfers.
Sionic is advancing the bank payment systems in the US to enable any consumer with an Apple or Google Wallet to link a checking account and Instant Bank Pay at checkout to receive Perks. No new app to download. Familiar QR code or Tap-to-Pay. Instant gratification.
Merchants, large and small, likewise connect business accounts to receive faster, Instant Bank Pay digital cash deposits from customers through point of sale systems, payment terminals, or our free CODE Pay mobile app.

Enterprise

SMB
Retailers

Financial Institutions

Payment Processors
Our Partners
Sionic is proud to work with these world-class innovation partners:
Featured Press
Pay by bank seeks U.S. market position
Instant payments: Are we there yet?
Sionic Announces Fraud Protection Service Using Google Cloud AI Technology
Financial institutions and retailers may offer trusted, real-time bank-to-bank payments at the point-of-sale ATLANTA--(BUSINESS WIRE)--Sionic, a leading provider of real-time, Pay-by-Bank Commerce (PbBC) services, today announced the launch of its comprehensive fraud...
