Billpay · credit-card → ACH
Swipe a card. Settle ACH. Predictable cash flow. One vendor-consolidation point at every invoice.
POINTS billpay turns a credit-card swipe at the vendor invoice into a settled ACH payout on the back. No declined recurring ACH. No surprise card-network markup. One vendor-consolidation point, on the same regulated wrap as the rest of POINTS.
Worked example · $1,000 vendor invoice
$1,000 at the front, settled ACH at the vendor, the fee schedule line-by-line.
Below is a one-thousand-dollar vendor invoice, line-by-line, with the published POINTS billpay fee schedule applied. Surcharges the merchant would normally pay for paying the vendor with a card are surfaced on the left; the billpay conversion clears the card surcharge, applies a transparent fee, and lands an ACH at the vendor — same disclosure, same rate card, same wrap as the rest of POINTS.
- 01Vendor invoice subtotal$1,000
- 02Vendor card surcharge avoidedTypical 2.75% surcharge when paying by card$28
- 03POINTS billpay fee1.5% per invoice + $0.30 settled ACH$15
- 04ACH delivery to vendorSame-rail ACH, no card-network markup$0
The $1,000 invoice is illustrative — the published rate card at issuance is the one disclosed in onboarding, not the marketing copy on this surface. The fee schedule consists of a per-invoice percentage (1.5%) and a small per-settlement flat (30 POINTS, the 1 POINT = 1 cent unit used throughout POINTS). No compounding, no surprise processor markup, no FX markup on in-network rails.
How it works
Three steps. One settled vendor ACH.
Billpay on POINTS is the regulated-wrap posture: a card swipe at the front, an ACH at the vendor on the back, and a published fee schedule applied line-by-line. The operator or agent captures the vendor invoice at step one — no new card programme required — and receives a settled ACH at the vendor on the same rails the rest of POINTS settles on.
STEP 01 · CAPTURE INVOICE
Operator swipes a card on the vendor invoice.
A human operator or the agent itself captures the vendor invoice line — name, amount, due date — and swipes the card on the front. The card rails stay open; the cardholder is the operator or an agent-branded virtual card with per-tx caps. No new card programme to mint for the agent.
STEP 02 · CONVERT TO ACH
POINTS converts the charge to ACH in flight.
Between the settlement day and the vendor payout, POINTS moves the balance off the card rail and onto a same-day ACH rail — applying the published billpay fee schedule. No compounding, no surprise processor markup, no card-network surcharges at the merchant. One fee schedule, line-by-line.
STEP 03 · VENDOR RECEIVES ACH
Vendor receives via ACH — one consolidation point.
The vendor sees one ACH per cycle — a settled payout against the invoice, on rails the vendor already accepts. Recurring auto-debits no longer bounce off a low-balance day in your operating account. Cash flow is predictable; the audit trail is hash-pinned; the closing is on the same regulated rails as the rest of POINTS.
vs paying vendors with a card
Why not just pay the vendor with a card?
You can — and many operators do. POINTS billpay is for the operator who wants the vendor payout to land on ACH, the rate card disclosed up front, the auto-debit to stay reliable, and the audit trail to be hash-pinned. Six rows the founder gets asked about most when an operator comes in already paying vendors with a card.
- 01Vendor card surcharge
2.5–3.0% on top of every invoice
Disclosed fee schedule, line-by-line
- 02Recurring ACH reliability
Auto-debits can bounce off a low-balance day
Operator floats the card on the front
- 03Vendor payout consolidation
Settled per invoice, no rollup
One ACH per operator cycle, audit trail per row
- 04Cash-flow float
Funds locked the day ACH clears
Operator-controlled float, settled behind the card
- 05Audit trail
Card statement + ACH receipts (reconciled by hand)
One hash-pinned ledger row per invoice vs. vendor
- 06Fee compounding
Surcharge + processor markup + interchange tiers
One rate, no surprise compounding, no FX markup
Early access
Start using billpay.
Drop your email and we'll route you to the agent-platform queue: ledger access, the billpay fee schedule at issuance, and a sponsor-review window. No KYB / KYC touchpoints yet — the rate card at onboarding is the one we apply, not the illustrative figures on this page.
POINTS is built by Polsia under a regulated wrap on vetted bank partners and BaaS rails. Early-access teams get a human sponsor-review window before issuance opens.
Demo · marketing surface
The billpay flow described above is the regulated-wrap posture: a single, settled ACH behind a card swipe on the front. The fee schedule shown in the worked example is a published, illustrative rate card; the rate card that applies at issuance is the one disclosed at onboarding, not the marketing copy on this surface. POINTS does not move money on this page — no card is charged, no vendor is paid, and no fee is collected.
- The $1,000 invoice is illustrative — at-issuance pricing is disclosed in onboarding.
- Settlement, fee schedule, and underwriting details are printed on the platform console — not on this page.
- Same-rail ACH settlement runs through FDIC-partner bank partners; no offshore workarounds, no compounding.
- This page is a marketing surface — no real vendor payouts flow through it during the early-access window.