One platform for payments, operations, and the customer experience.
OptiPay360 works for retail, restaurants, healthcare, trades, professional services and more — use the pieces that fit how you sell. Every feature here is available today unless labeled otherwise.
Payments
Accept card, ACH, and stored-card payments the way that fits each customer.
Virtual Terminal
Key in card-not-present payments from any device with dual-pricing, receipts, and fraud checks.
Payment Links
Send a secure, branded pay page by text or email — no logins, no invoices required.
Invoicing
Professional invoices with line items, taxes, deposits, partial payments, and reminders.
Estimates with e-signature
Send quotes customers can sign online. Accepted estimates convert to invoices automatically.
Recurring billing
Subscriptions and installment plans with retry logic and card-on-file.
Card-on-file
Securely tokenized customer cards for repeat charges — never store PAN data in your app.
Business Management
Everything around the payment — the parts most platforms leave out.
Appointments & scheduling
Built-in booking with deposits, reminders, staff assignments, and merchant/customer calendars.
Customer portal
Customers sign in to view invoices, pay online, book appointments, and manage saved cards.
Customer management
Unified customer records with history, saved payment methods, fee overrides, and rewards.
Inventory
Track items, categories, pricing, and photos. Drop line items into invoices in one tap.
Loyalty & rewards
Punch cards, points, and free-item redemptions built into checkout.
Security
Guardrails your team will actually use.
Fraud detection
Velocity limits, BIN checks, blocklists, and manual review for high-risk transactions.
Role-based permissions
Granular roles: cashier, technician, manager, owner. Configure what each role can see and do.
PIN override
Require a manager PIN for refunds, voids, and other sensitive actions.
Approval workflows
Send refunds and large charges for approval before they run.
Integrations
The tools you already use, connected.
QuickBooks Online sync
One-way sync of customers, invoices, and payments to QuickBooks — no manual export/import.
NMI gateway
Enterprise-grade processing through NMI. Additional gateways on the roadmap.
Document Signing (eSign)
Any PDF, signed with a full audit trail.
Upload, send, sign
Upload any PDF, send for customer signature, and get a signed copy back with a timestamped audit trail.
AI Assistant
Answers grounded in your business — not the whole internet.
Context-aware assistant
In-app assistant that understands your customers, invoices, and settings. Ask questions, draft messages, or troubleshoot without leaving OptiPay360.
Coming Soon
On the roadmap — not available today.