Add a complete, branded merchant processing division to the business banking relationship you already own. SMPL powers the infrastructure, merchant offer, hardware, onboarding, and support—while your institution earns recurring payment revenue.
When merchant services sit outside your institution, a critical part of the financial relationship—and its recurring economics—goes to another provider.
That gap gives national processors and fintechs another daily touchpoint with your most valuable business customers.
Participate in recurring revenue tied to the payment volume your customers already generate.
Give businesses another reason to make your institution their primary financial home.
Pair business checking, lending, treasury services, and payments in one ecosystem.
Deliver the integrated experience businesses increasingly expect from modern financial partners.
SMPL replaces painful percentage-based processing costs with a predictable subscription option—and supports affordable traditional processing when dual pricing is not the right fit.
Online payments, invoices, recurring billing, ACH, virtual terminal, and in-person hardware work together.
Eligible businesses can accept credit cards with 0% processing fees and pay one predictable monthly subscription instead. Plans start at $24.99 per month.
SMPL adds both the digital and hardware layers so your institution can participate whenever business customers get paid.
Payments inside the workflows businesses already use.
Merchant-ready hardware extends the relationship beyond the screen.
Keep payment acceptance connected to your business banking experience.
Create, deliver, track, and collect professional payment requests.
Support memberships, plans, retainers, and card-on-file.
Use the same relationship for face-to-face payment acceptance.
Give qualified customers a branded, guided enrollment path.
Let customers accept direct bank payments alongside cards.
Your team stays focused on distribution and customer relationships. SMPL handles the specialized payments work on the backend.
No new banking customers. No increase to account fees. Just recurring income from payment volume your existing businesses already process.
Move the sliders to match your customer base. The illustration assumes the institution earns 1% of total sales processed by activated merchants.
Illustration only and not an earnings guarantee. Calculations use a 1% residual assumption supplied for this campaign and hold customer count, monthly sales, and adoption constant. Actual revenue depends on activated merchants, eligible processed volume, pricing, costs, risk, attrition, bank approval, processing activity, and final partner terms.
Build a Custom Plan From These Numbers →We map the merchant offer, economics, responsibilities, and customer journey so you can evaluate the complete opportunity before committing.
SMPL commits the resources, playbooks, and specialist support required to give your payments division the best chance to succeed.
Move qualified business customers toward approval through a guided process.
Keep your institution’s brand at the center of the experience.
Access established relationships through one operating partner.
A revenue-share-only partnership keeps incentives aligned.
$0. There is no partner setup fee or platform fee. The relationship operates on a 100% revenue-share model: our economics come from the payment revenue we build together, subject to final partner terms.
No. SMPL handles backend merchant support, payment questions, onboarding assistance, equipment, processing operations, and sponsor-bank coordination so your team can stay focused on business banking and distribution.
Yes. We provide approved base rates and guidance; your institution designs customer-facing pricing within agreed program parameters.
Yes—website payments, shopping carts, invoices, deposits, recurring billing, virtual terminal transactions, ACH, and physical hardware.
SMPL also supports competitively priced traditional processing.
No. Availability depends on eligibility, business type, processing profile, bank approval, and compliant implementation.
No. The model is designed for qualified community and regional banks, credit unions, and neobanks with established business-customer relationships.
We’ll analyze your business customer base, estimated payment volume, merchant needs, and current workflows. You’ll leave with a visual plan for where payments fit, what they could be worth, and exactly how SMPL would help launch them—with no partner cost or obligation.