Payments
Take payments however your customers pay.
Card and ACH, in person, online, over the phone, or on a schedule, connected to the tools you already use.
Powered by NMI. Opal sets your pricing and stays your point of contact.
Ways to accept payment
Ways money reaches you.
Card and ACH
Visa, Mastercard, Discover, American Express, and bank transfer. ACH costs less than card on large invoices, so we'll tell you which one to steer customers toward and when.
Tap to pay, no hardware
Apple Pay, Google Pay, and contactless. On a terminal, or straight on an iPhone or Android phone with nothing else to buy.
Recurring billing
Subscriptions, retainers, payment plans. Automatic Card Updater refreshes expired and reissued cards before the next charge, so a new expiration date doesn't cost you a payment.
Virtual and physical terminals
Take a payment from any browser for phone orders. Countertop and mobile hardware, managed and updated remotely.
Links, invoices, and text-to-pay
Send a link, an invoice, a QR code, or a text message. You don't need a developer or a checkout page to start.
Integrations
125+ shopping carts including Shopify, your CRM including GoHighLevel, and your accounting. Transactions sync to QuickBooks and Xero.
Tools that change the number
Two things that move your effective rate.
Level II and Level III processing
Business and government cards qualify for lower interchange when the transaction carries extra data: a purchase order number, a tax amount, line-item detail. Most systems never send it, so those transactions downgrade to the expensive category and the penalty shows up as a line item nobody has explained. If you sell B2B, this is usually the largest single thing wrong with your statement.
Dual pricing
Two prices at the point of sale, one for cash and one for card, so the processing cost sits on the transaction that created it. There are rules about how it has to be displayed and disclosed, and you need to know them before you switch it on.
Security & disputes
What sits between you and a bad transaction.
Fraud screening
Every transaction runs through real-time risk analysis before it settles. You can tune the rules, so good customers don't get declined for reasons nobody can explain.
Card authentication
3-D Secure through Visa and Mastercard's own protocols, which shifts liability on qualifying online transactions away from you.
Disputes, handled by NMI
When a chargeback comes in, NMI runs the dispute process. The transaction record, the authentication result, and the evidence the gateway captured are already attached, so the response goes out with something behind it.
Send us last month's statement.
Total fees divided by total volume is your effective rate, and it's almost never the number you were quoted. We'll show you the real one.