Accept Online Payments, Get Paid Instantly
Process credit cards, digital wallets, and bank transfers with enterprise-grade security. With one-click payment links and 50+ payment methods, you'll get paid 2x faster while keeping transactions secure and compliant.
Processing $100M+ annually for businesses worldwide
4.9/5 from 2,847 reviews
Secure Payment
Complete your payment securely
Website Design Services
Get paid 2x faster when you enable online payments compared to check or bank transfer requests
Invoices with online payment options get paid 40% more often within the first week
Funds automatically deposited to your bank account within 1-2 business days
Simple, transparent pricing starting at 2.9% + 30¢ per transaction with no hidden fees
ACCEPT ALL MAJOR PAYMENT METHODS
Complete Online Payment Solution
Accept payments securely with enterprise-grade features designed for modern businesses
Accept All Major Cards
Process Visa, Mastercard, American Express, Discover, and 50+ other payment methods including digital wallets like Apple Pay and Google Pay.
Instant Payments
One-click payment links let clients pay in seconds. No account required - they click, pay, and you're done. Funds in your account within 1-2 business days.
Bank-Level Security
PCI DSS Level 1 certified with 256-bit SSL encryption. We never store card details - everything is tokenized and secured through our payment partners.
Global Payment Support
Accept payments from 180+ countries in 135+ currencies. Automatic currency conversion with transparent exchange rates for international clients.
Flexible Payment Options
Credit cards, ACH bank transfers, PayPal, Apple Pay, Google Pay, and more. Let clients choose their preferred payment method for faster checkout.
Recurring Billing
Set up automatic subscription billing and recurring payments. Perfect for retainers, memberships, and subscription services. Reduce churn with auto-retry logic.
50+ Payment Methods Supported
Give your customers the flexibility to pay how they want, when they want
Credit & Debit Cards
- Visa, Mastercard, Amex
- Discover, Diners Club
- JCB, UnionPay
- Prepaid & gift cards
- International cards
- 3D Secure authentication
Digital Wallets
- Apple Pay
- Google Pay
- PayPal
- Venmo
- Cash App Pay
- Link (Stripe)
Bank Transfers
- ACH direct debit (US)
- SEPA (Europe)
- BACS (UK)
- Wire transfers
- Same-day ACH
- Instant bank verification
Additional Options
- Buy now, pay later
- Installment plans
- Cryptocurrency
- Mobile money
- Local payment methods
- Offline payments
Your Security is Our Priority
Enterprise-grade security infrastructure protects every transaction
PCI DSS Level 1 Certified
The highest level of payment security certification, ensuring your transactions meet the strictest industry standards.
256-Bit SSL Encryption
Bank-grade encryption protects all payment data in transit. Your customers' information is always secure.
Tokenization
Card details are never stored on our servers. We use secure tokens to process payments safely.
Fraud Detection
Advanced machine learning algorithms monitor every transaction for suspicious activity and block fraudulent payments.
3D Secure Authentication
Extra layer of verification for online card transactions reduces fraud and chargebacks by up to 70%.
Compliance Ready
Built-in compliance with GDPR, PSD2, SCA, and other international payment regulations.
Built for Every Business Type
Whether you're a freelancer or enterprise, our payment solution scales with you
Freelancers & Solopreneurs
Get paid instantly for your services without waiting for checks or manual transfers.
Service Businesses
Process payments on-site or remotely with mobile-friendly payment links.
E-commerce & Retail
Seamlessly integrate payments into your online store or point-of-sale system.
SaaS & Subscriptions
Automate recurring billing with smart retry logic and dunning management.
Professional Services
Accept retainer payments, deposits, and project milestone payments online.
Nonprofits & Donations
Make it easy for supporters to donate with secure, compliant payment processing.
Simple, Transparent Pricing
No setup fees, no monthly fees, no hidden charges. You only pay when you get paid.
Credit Cards
- All major cards
- Digital wallets included
- International cards
ACH / Bank Transfer
- Lowest processing fees
- Instant verification
- 3-5 day settlement
High Volume
- $50K+ monthly volume
- Dedicated support
- Custom integration
All plans include: No setup fees • No monthly fees • No hidden charges • Free transfers to your bank
Frequently Asked Questions
Everything you need to know about accepting online payments
What payment methods can my clients use?
Clients can pay using all major credit and debit cards (Visa, Mastercard, Amex, Discover), digital wallets (Apple Pay, Google Pay, PayPal), ACH bank transfers, and various international payment methods. We support 50+ payment options globally, so your clients can choose their preferred method for maximum convenience.
How much does it cost to accept online payments?
Our standard rate is 2.9% + $0.30 per successful transaction for credit cards, with no setup fees, monthly fees, or hidden charges. ACH bank transfers are just 0.8% (capped at $5). Volume discounts are available for businesses processing over $50K monthly. You only pay when you get paid - there are no fees for declined transactions.
How quickly do I receive payment funds?
Funds are automatically deposited to your bank account within 1-2 business days for most payment types. ACH payments take 3-5 business days. Once your account is established (typically after the first month), you can enable instant payouts for eligible transactions, receiving funds within minutes for a small additional fee.
Is online payment processing secure?
Absolutely. Modial is PCI DSS Level 1 certified - the highest security standard for payment processing. We use 256-bit SSL encryption, tokenization (we never store card numbers), and advanced fraud detection powered by machine learning. All transactions are monitored 24/7, and we're compliant with international regulations including GDPR, PSD2, and SCA.
Can I accept international payments?
Yes! Accept payments from 180+ countries in 135+ currencies. We handle automatic currency conversion with transparent exchange rates shown upfront. International cards are fully supported, and we offer local payment methods for major markets including SEPA (Europe), Alipay (China), iDEAL (Netherlands), and many more.
How do payment links work?
When you send an invoice, we automatically generate a secure payment link. Clients click the link, enter their payment details in a mobile-optimized form, and complete the transaction in seconds - no account or login required. You get instant notifications when payments are made, and funds are automatically deposited to your bank account.
Can I set up recurring or subscription payments?
Yes! Set up automatic recurring payments for subscriptions, retainers, or membership fees. Choose billing frequency (weekly, monthly, annual, or custom), and we'll automatically charge customers and send receipts. Smart retry logic handles failed payments, and you get alerts for any issues. Perfect for SaaS, memberships, and service agreements.
What happens if a payment fails or is disputed?
If a payment fails, you're notified immediately and can contact the client or enable auto-retry for recurring payments. For disputes/chargebacks, we provide a dedicated dashboard with all transaction details and help you respond with evidence. We also offer chargeback protection for eligible transactions. Our fraud detection system prevents most disputes before they happen.
Ready to Get Paid Faster?
Join 50,000+ businesses processing payments with Modial. Set up in minutes, start accepting payments today. No contracts, cancel anytime.