LocalPay: Retail Pay-by-Bank

An easy, ultra-secure way to send and receive retail payments. LocalPay provides an all-in-one payment solution for consumers, merchants, banks, and credit unions.

LocalPay simplifies transactions and delivers benefits for all users: reducing fees for merchants with real-time capable settlement, providing flexible payment options for consumers with the same or more rewards, and increasing revenue for banks and credit unions.

Real-time Capable Settlement and Lower Fees for Merchants
Merchants settle directly with banks and credit unions without intermediaries, resulting in much lower transaction fees and faster, real-time capable settlement.

Flexible Payment Options and Greater Rewards for Consumers
Consumers can choose payment accounts and receive greater rewards from their merchants, banks, or credit unions.

Ultra-Secure Payments
Biometrics and PIN-enabled payments significantly reduce fraudulent transactions.

Quick Setup
Merchants and consumers only need minutes to set up an account in the app.

LocalPay App Features

Link Multiple Bank Accounts – Consumer users can securely connect multiple bank accounts and payment options using Plaid. Once confirmed, the user can easily switch between accounts to make payments and set a default account.

Merchant Employee Accounts – Merchants can create and manage accounts for individual employees to receive consumer payments. Each transaction carried out under an employee account is recorded under their name and seamlessly added to the primary merchant admin account’s transaction records.

Unique Merchant QR Codes – Create and customize a QR code for your customers to easily scan. This QR code receives payments directly to your verified business bank account. Using the Merchant Options, a business owner can add functionality for tips, discounts, and email receipts for customers.

Transaction Records – LocalPay provides users with a complete record of their entire transaction history. Consumer users can sort these records by individual linked bank accounts. Merchant users can export their records into a CSV file spreadsheet.


DOWNLOAD LocalPay today for free and add a new level of trust and security to your retail payments.

LEARN MORE at localpay.com