One flow to accept, redeem, settle, and pay out

Accrue Payments combines stored value, whether cash, rewards or gifts, into one payment, settles the parties behind each sale and pays out to vendors, alongside the payment stack you already run.

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PCI-compliantFDIC-insured

astermerrow.com/checkout

Order #A-4127

HARLEY Genuine Leather JacketQty 1$450.00

Pay with

Bank account

Card

Aster Merrow Checking ···· 4417

Total$450.00

The hidden cost of disconnected payment systems

Split tender strains the checkout
Rewards, a gift and a card are three tenders at the register. One failing can unwind the sale.
Reconciliation happens after the fact
Processor, balance and partner each keep their own record. At month end, the differences are finance’s problem.
Paying vendors is manual work
Suppliers, delivery networks and marketplace sellers each need their share of a sale. The manual queue grows with volume.

One payment, and most of it is already yours

84%

of purchases combined ways to pay into one payment¹

71%

of purchases were paid entirely from the wallet¹

$75

of every $100 spent came out of the wallet¹

Collect, route, settle, and pay out

Accept: take money in through your existing payment processor, or through Accrue’s processor relationships for card payments, with ACH origination through Accrue’s sponsor bank.

Omnichannel Redemption: balance and reward value spend anywhere you sell, via POS integration or the card rail.

Multi-party payouts and fee splits with per-party attribution, scheduled or on demand.

Money inAccept

CardBank

Your processorThe one you already runorAccrue’s processorsRelationships we already hold

ACH originationThrough Accrue’s sponsor bank

Aster Merrow balance#A-4127 · $450.00 landed#A-4119 · $180.00 landed

Accrue orchestrates program payments and keeps the ledger

Sponsor-bank relationships

Card and ACH funding orchestration

PCI-compliant tokenized vaulting

Payment lifecycle tracking

Fraud and disputes for Accrue-processed payments

Double-entry wallet ledger

Banking services are provided by Cross River Bank, Member FDIC.

Ships embedded, in-store, or headless

WebAppIn-storeGo live without replacing what already works.

SDK

Web componentiframe

Plug-and-play web components for your checkout. We render the payment UI, so you go live sooner.

astermerrow.com/checkout

Order total$450.00

Apply balance

Balance applied−$300.00

Backup payment$150.00

Card

<accrue-pay widget="checkout"></accrue-pay>

Implementing checkout

API

REST

Headless over the API. Create the intent, authorize it, then capture the payment.

POST/api/v1/payments/:paymentId/capture

{
  "data": {
    "id": "323e4567-...-426614174002",
    "type": "Payment",
    "attributes": {
      "amount": 10000,
      "status": "Processing",
      "reference": "order-12345"
    }
  }
}

JSON:API v1.1

Using the Payments API

Payments brings every kind of value to checkout

Balance

The stored value Payments loads, spends from, and settles

Cards

Card-rail delivery

Rewards

Rewards applied at authorization

Gift

Multi-contributor processing

Drops

Payment at entry, settled on win

Common questions

No. Accrue works alongside your POS and either uses its processor relationships or calls your existing processor on your behalf. Accrue tracks the payment and keeps the wallet ledger. For payments run through your existing processor, refunds, disputes, and chargebacks stay with that processor, as they do today.

Closed-loop spend is a purchase paid from a balance you already hold for the customer, rather than over a card network. Settling it over ACH means those dollars can skip interchange, so you save money on each purchase.

Accrue runs the sponsor-bank relationships and the bank-payment orchestration underneath your program. Banking services are provided by Cross River Bank, Member FDIC. Accrue keeps a double-entry ledger reconciled continuously against money settled on its rails.

Accrue charges the difference to the customer’s saved card or bank account, so you still capture one payment. Balance, top-up, and rewards land as one ledger entry. If the backup charge fails, the payment declines.

For card-rail purchases, that single payment is captured on a single-use virtual debit card issued by Accrue.