Independent Banker - April 2023 - 25

PORTFOLIO
FOCUS PAYMENTS
T
Add text-to-pay
to your payments
toolbox
When it comes to payments, customers want convenience.
With text-to-pay, community banks can help small businesses
meet the needs of their customers. By Katie Kuehner-Hebert
ext-to-pay is self-explanatory:
It's when you pay by sending a
text. It's also something that more and
more small businesses want to offer
to their customers. Community banks
can make it happen by partnering with
merchant service providers, benefiting
customers, small businesses and
community banks themselves.
Joan Kuykendall, president and COO
of Ironwood Strategic LLC in Oxford,
Miss., which specializes in merchant
services for community financial
institutions, explains that with the
text-to-pay capability, a business sends
a message to a customer that includes
a link, allowing the customer to make a
secure payment from their device.
" It goes directly to the customer's
mobile device and allows them to
pay instantly, " Kuykendall says.
" It's convenient for the business
and customer. "
Country Club Bank in Kansas City,
Mo., offers text-to-pay capabilities to its
business customers as part of its overall
merchant services platform provided
by Ironwood, says Stephanie Mallory,
the $2.2 billion-asset community
bank's vice president, manager of
treasury services.
" Our business clients value
operational efficiencies, customer
satisfaction and convenience, " she says.
" We collaborate with them on strategies
to help accomplish this. "
Streamlined for customers
Advances in payment innovations
like text-to-pay deliver a simple,
streamlined service that can add value
to both the business and its customer,
she says. Accepting payments is
easy, and receivable collections may
improve. In addition, it's just as easy
and straightforward for consumers
to use.
" We're all looking for convenience
and options with payments, whether we
are a business owner or a consumer, "
independentbanker.org // 25
Photo by Tirachard/iStock

http://www.independentbanker.org

Independent Banker - April 2023

Table of Contents for the Digital Edition of Independent Banker - April 2023

Independent Banker - April 2023 - Cover1
Independent Banker - April 2023 - Cover2
Independent Banker - April 2023 - 1
Independent Banker - April 2023 - 2
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Independent Banker - April 2023 - 24A
Independent Banker - April 2023 - 24B
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Independent Banker - April 2023 - Cover3
Independent Banker - April 2023 - Cover4
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