Payment Authorization Gate

Live. Before you charge or schedule a consumer payment: Reg E authorization for recurring debits, Nacha phone and web rules, convenience fees, and postdated payment notices.

Checks the authorization and terms, never the card or bank number: Reg E 12 CFR 1005.10(b) written or electronically authenticated authorization and a copy for recurring debits (recorded oral flagged for review), 1005.10(d) 10-day notice when amounts vary, revocation terms, Nacha TEL and WEB rules, convenience fees only when the agreement or law allows them (FDCPA 1692f(1); CFPB advisory opinion on pay-to-pay fees), postdated payments with the exact 3-10 business-day deposit notice window (1692f(2)-(4)), disputes, bankruptcy and amounts over the balance. Not legal advice.

Price: $0.001 per record after 1,000 free per month.

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