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Open Banking Meets Intelligent ACH Payment Processing

Bring your bank account payments into the digital age with VoPay’s proprietary Intelligent ACH service - iQ11.

Embed bank account connection flows into your platform and tokenize customer details to push and pull ACH payments the smart way.

Intelligent Bank Account Payments For Business

Gain financial clarity with smarter payment technology that helps you make better business decisions.

Faster ACH Payments

Send and collect ACH payments faster and with greater transparency using verified bank accounts that you can trust.

Account Tokenization

Generate iQ11 tokens for customer bank account details and use them for account verification and future payments.

Verify Bank Account Balance

Validate customer bank account details and verify available balances at the time of payment collection to reduce NSFs.

Unlimited Virtual Accounts

Separate ACH payments and control the flow of funds using VoPay’s Ledger Management technology.

How Do iQ11 Payments Work?

1

Customer Initiates Bank Connection

Through payment or onboarding, the customer securely logs onto their online banking through a custom embedded iFrame.

2

iQ11 Token Is Generated

Once a secure connection is made, VoPay generates a unique iQ11 token to identify the user’s selected bank account.

3

Bank Account Verification

VoPay then validates the bank account details and verifies the available funds and account performance history.

4

Tokens Can Be Reused

iQ11 tokens can be stored and used when calling API endpoints without the user providing bank details.

1

Customer Initiates Bank Connection

Through payment or onboarding, the customer securely logs onto their online banking through a custom embedded iFrame.

2

iQ11 Token Is Generated

Once a secure connection is made, VoPay generates a unique iQ11 token to identify the user’s selected bank account.

3

Bank Account Verification

VoPay then validates the bank account details and verifies the available funds and account performance history.

4

Tokens Can Be Reused

iQ11 tokens can be stored and used when calling API endpoints without the user providing bank details.

Remove Friction With Smart Embedded Payment Flows

Give your customers the ultimate payment experience by embedding transaction workflows into the core of your platform.

Drive more revenue, increase customer loyalty and provide a seamless user experience with iQ11's secure bank account connection technology.

Get Started

Maximize Payment Security With Tokenization

Avoid storing sensitive customer information such as bank account details by generating a unique token for them.

Tokens can be used to complete future payments, verify account balances and to monitor account performance, without requiring the user to provide credentials.

Explore API Docs

Speed Up ACH Processing Times With iQ11 Payments

iQ11 allows ACH processing times to be brought down substantially by speeding up the time it takes to verify a customer’s banking credentials.

VoPay offers Standard ACH as well as the expedited Same Day ACH service, and both can be layered alongside iQ11 to accelerate onboarding times and move funds even faster.

Explore ACH Payments

Intelligent Payments Built For Any Industry

Our recipes are designed to give businesses in any industry a fast integration with the VoPay platform.

Gig Economy

Instant earned wage access for workers to keep them loyal to your platform.

Lending

Low-cost deposits that arrive in your customers’ accounts instantly.

Property

Handle large payments at scale and don’t leave your customers waiting.

Account To Account

Move money between bank accounts with speed, efficiency and control.

SaaS

Better recurring billing and reduced fees for subscription platforms.

Easy ACH Collections on The VoPay Portal

Use the VoPay Portal to get started sending and collecting funds via ACH with ease.

Manage all your transactions in one place and use our accounting integrations to connect your payment data to your accounting software.

Unlock Smart ACH Payments With Our API

Build your own multi-channel payment processing setup and embed iQ11 payment flows into your platform using the VoPay API.

Use our dev docs and integration recipes to cut down development time and ensure a seamless launch for your platform.

  • cURL
  • JavaScript
  • PHP
  • Python

Unlock Smart ACH Payments With Our API

Build your own multi-channel payment processing setup and embed iQ11 payment flows into your platform using the VoPay API.

Use our dev docs and integration recipes to cut down development time and ensure a seamless launch for your platform.

Frequently Asked Questions

What’s the difference between your Intelligent ACH (iQ11) and regular ACH payment service?
Unlike our regular ACH payment service, iQ11 gives users the option to connect their bank account when making a payment. This saves them the need to input any bank account details and allows for tokenization and verification of sufficient funds.
What’s the funding time for Intelligent ACH (iQ11)?
Funding time for Intelligent ACH (iQ11) is up to 1 business day.
What happens if somebody doesn’t connect their bank account?
If somebody chooses not to connect their bank account they will be asked to manually enter their payment details just like they would for our regular ACH payment service. Once manual payment details have been received, merchants can use VoPay Verify to initiate a micro-transaction verification as a way to validate the account.
Can I leverage my existing partnership with a data aggregator like Plaid or Flinks?
Yes, you can leverage your existing data tokens with our iQ11 payment solution by having users skip the bank account connection step to streamline the checkout process.

Learn More

  • What Are ACH Payments and How Do They Work?

    read more

  • The Definitive Guide To ACH Payments: What Are They and How Do They Work?

    read more

  • ACH vs Credit Cards: Making the Switch to Bank Payments

    read more

Speak to a Fintech Advisor Today!

Get Started
1

Speak To Our Team

Speak to a Fintech Advisor to outline your needs and impact plan.

2

Access Sandbox

Start testing in the VoPay sandbox to explore our advanced API functions.

3

Sign & Onboard

Our compliance and onboarding team will guide you through the process.

4

Go Live!

Choose a production date and launch your integration with confidence!

1

Speak To Our Team

Speak to a Fintech Advisor to outline your needs and impact plan.

2

Access Sandbox

Start testing in the VoPay sandbox to explore our advanced API functions.

3

Sign & Onboard

Our compliance and onboarding team will guide you through the process.

4

Go Live!

Choose a production date and launch your integration with confidence!

Talk with our sales team

We are happy to answer your questions. Fill out the form and we will have one of our team members contact you.