Payment Processing / Built for Service Businesses
Stop bleeding margin at checkout.
Processors eat a cut of every transaction. Invoices sit unpaid for weeks. Customers drop off at payment. Nirvani Payments, in partnership with gatewayfinancial.io, cuts your processor charges by up to 50%, closes invoices faster, and collects automatically.
Up to 50%
saved on merchant processor charges
+14%
on-time collection lift
Next day
deposits to your bank
The Problem
Your processor is overcharging you.
Every service business pays too much in processing fees and waits too long for invoices to close. Both problems have the same solution.
I.
Hidden fees everywhere
Card processors layer assessment fees, cross-border fees, and chargeback fees on top of their headline rate. By the time the statement clears, you are paying far more than the number you were sold. On a healthy revenue run rate, that is real money leaving every month.
II.
Invoices go unpaid
You send an invoice Tuesday. The customer says they will pay Friday. Two weeks later you are still chasing. Manual follow-up costs labor. Automated follow-up costs nothing and closes more invoices on time.
III.
Checkout kills sales
Customers drop off at payment more than at any other step. If the checkout is clunky, the form is long, or the payment options are limited, you are losing sales you already earned.
How It Works
Four moves. More margin. Faster money.
Nirvani Payments secures specialty processing rates through our partnership with gatewayfinancial.io, with automated collection and every modern payment method baked in. Setup takes 72 hours, and your next invoice runs through it.
01
Your rates drop. Immediately.
Nirvani, in partnership with gatewayfinancial.io, secures specialty rates that deliver savings of up to 50% on merchant processor charges. We show you exactly what you keep before you sign.
02
Your customers pay by text.
Send a text-to-pay link. The customer taps, enters card, pays. Five seconds. No app download, no login, no portal. On-invoice buttons work the same way. Click, pay, done.
03
Your reminders fire automatically.
Day 3 reminder, day 7 reminder, day 14 escalation. All automated. All branded. All customizable. Most of your unpaid invoices close themselves.
04
Your money arrives next day.
Standard payouts land next business day. No long holds. Clear reporting in your Nirvani dashboard, with every transaction, every fee, and every deposit visible in real time.
Fintech Benchmarks
The friction and cost of legacy merchant checkout.
Legacy card processors eat profitability through hidden fees while slow invoice collection drags down working capital.
Up to 50%
Processor Savings
Specialty processing rates achieved in partnership with gatewayfinancial.io versus legacy retail card processors.
14%
On-Time Lift
Increase in on-time invoice settlements when automated SMS text-to-pay reminders are deployed.
60s
Text-to-Pay Speed
Average time for a customer to open a text link and complete full payment from any mobile device.
Next Day
Bank Deposit Speed
Automated payout schedules that deliver funds to your primary commercial account without artificial multi-day holds.
Questions
What you are probably wondering.
Part of the full Nirvani platform
Nirvani Payments runs alongside the full AI workforce across all divisions, including the E-Commerce AI division.
Explore the E-Commerce AI division →