Text-to-Pay: Fast & Secure Mobile Payments

Get paid up to 10x faster with seamless text-based transactions. Cobalt’s Text-to-Pay solution allows merchants to securely send invoices and collect payments through text messaging—no apps, no passwords, just a frictionless payment experience.

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Text-to-Pay: Fast & Secure Mobile Payments

Get paid up to 10x faster with seamless text-based transactions. Cobalt’s Text-to-Pay solution allows merchants to securely send invoices and collect payments through text messaging—no apps, no passwords, just a frictionless payment experience.

Just getting started?

Faster Payments & Higher Engagement

Text messages have a 98% open rate, ensuring customers see and pay invoices faster than email-based billing.

Frictionless Payment Experience

Customers can complete payments directly from a text message, reducing friction and improving overall satisfaction.

Secure & PCI-Compliant

Text-to-Pay platform is PCI-DSS Level 1 compliant, meeting all regulatory requirements including Nacha, TCPA, HIPAA, GDPR, and CCPA.

Increased Business Efficiency

Merchants can send invoices, receive payments, and issue receipts all within a text conversation, reducing administrative workload.

Seamless Text-to-Pay Integration

  • Instant Payment Requests: Merchants can send payment requests via text with just a few clicks.

  • Real-Time Invoice Tracking: Monitor sent, pending, and completed payments directly from the merchant dashboard.

  • Simple Customer Experience: Customers click the link, enter payment details, and complete transactions within seconds.

Enhanced Security & Compliance

  • PCI Level 1 Secure Storage: Customer payment details are securely tokenized and stored for future transactions.

  • Regulatory Compliance: Fully compliant with PCI-DSS, HIPAA, GDPR, CCPA, TCPA, and Nacha requirements.

  • Fraud Prevention Measures: Multi-layer encryption and fraud detection tools reduce chargebacks and unauthorized payments.

A Better Payment Experience for Everyone

  • Merchants: Reduce payment collection time, eliminate manual invoicing, and offer a hassle-free payment option.

  • Customers: Get a fast, easy, and secure way to pay bills without needing to download apps or remember passwords.

  • Business Growth: Enable an additional revenue channel with virtually no integration or extra setup required.

B2B Payment Experts

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