PayRewards moves money in two steps: it pulls funds from your chosen payment method, waits for that payment to clear, then pushes the payment out to your vendor. Because these are two separate steps, your vendor can be paid by ACH, wire, or check even when you fund the payment with a credit card.

Step 1: PayRewards Pulls Funds From You

You choose how PayRewards collects the payment amount from your business:

• Credit card — Visa, Mastercard, or American Express.
• ACH (bank payment) — funds are pulled directly from your business bank account.

PayRewards waits for these funds to clear into a dedicated secure account, before moving to step 2.

Step 2: PayRewards Pushes the Payment to Your Vendor

Once the funds have cleared, you choose how PayRewards delivers those funds to your vendor:

• ACH
• Domestic wire
• Paper check

Your vendor doesn't need to accept credit cards. Since PayRewards is the one sending the money at this stage, not your card issuer or bank, PayRewards can deliver it by whichever method your vendor is already set up to receive, regardless of how you funded the payment.

Frequently Asked Questions

Does my vendor need to accept credit cards to use PayRewards? No. PayRewards pays vendors by ACH, domestic wire, or paper check, so a vendor can be paid even if that vendor doesn't accept cards.

Can I pay by card even if my vendor only takes checks or bank transfers? Yes. How you fund the payment (card or ACH) and how PayRewards delivers it to your vendor (ACH, wire, or check) are two separate choices.

Can I pay by ACH? Yes. PayRewards can pull the payment amount from your business bank account by ACH instead of a credit card.

Why can my vendor receive an ACH, wire, or check payment even though I paid with a credit card? Because PayRewards draws funds from your chosen payment method, and sends a payout to your payee using two seperate transactions.