Smiling small business owner working on her tablet in her tailor shop.

How Instant Direct PaymentsTM works

Instant Direct Payments (IDP) is a category-defining payments rail that rapidly routes customer funds straight to merchant bank accounts, eliminating unnecessary steps and reducing settlement delays.

For your Merchants

The power of direct

IDP cuts through the bottlenecks of traditional payment processing. By eliminating needless intermediaries, it reduces complexity and helps merchants receive funds faster, at lower cost.

How it works

Customer initiates payment

The merchant's customer enters their details. One-click checkout simplifies repeat purchases.

Instant settlement

Funds land immediately in the merchant’s bank account. No delays. No reserve requirements. No waiting.

This Gives You

Fewer steps, lower costs
A streamlined settlement flow that reduces overhead and intermediary fees.

One-click checkout
Simplifies repeat purchases, boosting conversions with improved customer satisfaction.

Less declines, more sales
Built-in redundancies ensure fewer declined transactions, unlocking more revenue potential.

Business merchant processing shipping orders in her warehouse
A customer tapping their card to quickly pay.

For their customers

A new standard in payment ease

Quick and Confident

Secure, near-instant purchases at their fingertips, with minimal friction.

Peace of Mind

Transactions are protected, and sensitive data is tokenized for maximum security.

Universal Acceptance

Up to 99.5% of Visa and MasterCard debit cards are instantly approved. The rest process through existing merchant set-ups.

Transform your transactions today

Ready to enhance your merchants’ payment experience? Share your reseller needs, and we’ll connect you with the right solutions. Join forward-thinking partners who choose efficiency and security with IoniaPay.

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