What is BIM?

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BIM is the solution Merchants have been looking for to power in-store, mobile, and web commerce.

Lowest-Cost Payment Tender

BIM provides Merchants with a white-labeled ACH Debit payment tender that is guaranteed with next-day settlement, and can be used for in-store/mobile/web commerce. With turnkey integration, BIM Payments can easily be added to other payment options and embedded into existing mobile apps and websites.

Consumer Enrollment – in 40 seconds

BIM offers an unparalleled, real-time, dynamic platform for enrolling consumers in merchant-branded tenders and loyalty programs. Merchants are no longer prevented from implementing ACH at the point-of-sale due to poor user experience. With BIM, your customers can be verified and enrolled in your tender in about 40 seconds. And by the way, we don’t ask for social security numbers or require consumers to enter their bank account and routing information.

Unparalleled Security and Risk Mitigation

BIM has created an unprecedented technology platform that verifies and authenticates consumers and their transactions instantly and dynamically. Combined with the hundreds of checks we can do on the actual mobile device, BIM epitomizes the theory that the best way to mitigate fraud is to prevent it from happening in the first place.

Why Merchants Love BIM

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Savings for Merchants

BIM lowers transaction fees by 50%-95% vs. credit or debit, significantly improving merchant economics – without giving up real-time authorization, guaranteed settlement, and established deposit schedules. Learn More

Satisfaction for Customers

By tying better shopping experiences and incentives to a lower-cost merchant-branded payment tender, BIM helps merchants increase customer loyalty and happiness, and creates opportunities for cross/up-selling. Learn More

Spotlight on the Merchant’s Brand

With BIM, the merchant is always front and center and in full control of their user experience. Their marketing, their rewards, their app…it’s all about them and forming more meaningful engagement with their customers – without the threat of brand disintermediation. Learn More

Secure for Merchants and their Customers

BIM technology dramatically reduces risks while increasing speed and ease of enrollment and transactions. With BIM, no personal or financial information is stored on the phone or at the point-of-sale, and all transactions are verified (e.g. with PIN and/or password) and protected by governmental regulations – just like traditional debit. Learn More

Seamless Integration and Usage

Merchants and wallets can integrate with our platform in a matter of a few days. That’s it. No need to be any more complicated than that. Further, we are technology agnostic, meaning we can work with all mobile/e-commerce platforms and merchants don’t need to change point-of-sale systems or procedures. Learn More

How BIM Works

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Business as usual. Only better.

BIM doesn’t require merchants or their customers to change shopping behaviors – we create incentives for everyone to embrace private label ACH debit and strengthen merchant-customer relationships.

BIM Payments


Sign Up

Load Merchant’s app (or website) and sign up for merchant-branded payment tender (powered by BIM)

Shop as Usual

Shop/order at merchant as usual – in store, on the phone, or online


Transact at the point-of-sale (or website) in the same way as any other payment option. BIM authenticates/verifies the transaction in real-time

Get Rewarded

Receive rewards and incentives (loyalty points, cash back, offers, VIP lines, etc.) for using the merchant-branded payment tender

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Customers Pay with Your Tender

Customers securely pay with the merchant-branded payment tender (powered by BIM)

Receive Funds - Guaranteed

Payments are fully guaranteed with settlement initiated next day

Capitalize on Cost Savings

Use the money saved to increase profits and improve customer engagement

Reward Customers

Reward customers for using your merchant-branded tender (loyalty points, cash back, offers, VIP lines, etc.) to increase transaction size and frequency