Lower the cost of acceptance—by a lot
![pay by text icon](https://s31799.pcdn.co/wp-content/uploads/2019/09/PNM_Step1_Merged.gif)
![paynearme smart link for lending](https://s31799.pcdn.co/wp-content/uploads/2022/02/smart-link-graphic-updated-small_v2.png)
Frictionless 1-click payment links
With PayNearMe Smart Link™ technology, you can send personalized links that move customers directly into registered payment flows, enabling fast and secure transactions.
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Fewer inbound callsDrive more self-service payments and reduce the number of support calls
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More self-service channelsUse 1-click payment Smart Links in SMS, email, chat, Agent Interface or in QR codes on printed statements
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Secure & configurableChoose exactly what information can be accessed with a Smart Link to meet your compliance and security standards
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Significantly improve uptime
Protect your business from unpredictable outages and improve uptime with Smart Switch™.
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Redundant processing made easyMinimize the impact of downtime and outages with a single integration to multiple processors
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Effortless reliabilityReal-time monitoring and anomaly detection triggers a review, and automatic switching mitigates downtime without intervention from your team
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Zero downtime releasesEliminate the need for scheduled maintenance windows and planned downtime
![Business Rules](https://s31799.pcdn.co/wp-content/uploads/2024/02/business-rules-hero.png)
Prevent problem payments
Create logic-based business rules to automate payment flows, decrease operating expenses and drive ideal customer payment behaviors.
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Reduce manual workBuild business rules to automate repetitive tasks through behavior based triggers
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Risk mitigation & complianceImprove your compliance performance with rules that drive down exceptions and stop exception payments before they occur
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No dev work requiredBusiness Rules don’t require additional dev time to build and maintain, allowing you to free up IT resources
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Integrate with your existing systems
Simplify the onboarding process by integrating PayNearMe with your existing workflows, or by taking advantage of our fully hosted solutions.
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Flexible integrationsPayNearMe connects to many of the most popular systems of record across verticals
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Embedded solutionsIntegrate PayNearMe into your existing apps and web experiences by leveraging code snippets or API connectors
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Fully hosted paymentsGet started quickly with a secure and compliant experience for your customers and employees
![engagement engine](https://s31799.pcdn.co/wp-content/uploads/2020/09/combo-set-engagement-rules.png)
Drive up payment conversion rates
Deliver the right payment message at the right time to each customer.
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Automated remindersEnsure customers can pay on-time with automated reminders by SMS, email or push notification
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Scale outbound collection effortsCreate your own outbound messaging sequences to scale and automate collections
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Built-in bilingual optionsAllow customers to receive messages in English or Spanish and set language preferences across payment channels