With people today spending so much time on their smartphones, it's not surprising that they are increasingly looking to make payments on their mobile devices. Text-To-Pay allows businesses to accept payments from their customers via a simple text message. Also called Short Message Service or SMS, this mobile payment option makes it easier than ever for customers to pay bills while significantly reducing paperwork and overhead costs for merchants.

Once a customer agrees to opt into the Text-To-Pay service, a merchant can begin sending bills directly to a customer's phone through a text message. Customers can then text back "Yes" to approve payment. Because the customer's payment information will already be on file, there is no need for a customer to type in credit card information each time he or she pays a bill. All bills, invoices and receipts are customized with the merchant's name, address and logo.