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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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.

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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.

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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

Let’s build a solution that fits your business needs.

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Build a plan that suits your Business

Explore some of our plans and book a free demo tailored to your business needs

Starter

Operate your business with a powerful POS system to efficiently manage transactions and customer interactions at your main service station.

Starting at

$135 /month for 36 months

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Station Solo POS system with a 14″ screen
Full access to all updates
24/7 Support

Standard

Improve your front-end operations with a versatile handheld POS system, allowing you to handle transactions and customer interactions seamlessly at your service desk or on the go.

Starting at

$195 /month for 36 months

Book a Demo

Station Solo POS system with a 14″ screen
Handheld Flex for on-the-go payments
Full access to all updates
24/7 Support

Pro

Streamline your entire business by integrating front-end and back-end operations, and efficiently handle complex workflows with comprehensive management tools.

Starting at