Get Paid in 30 Minutes. Not IN 30 DAYS.
Express Pay™
Invoices get buried and ignored. Instead, text a secure payment link. Your customer pays by ACH, credit card, Apple Pay, or Google Pay in seconds. And the receipt? It remains right in the conversation thread.
The Work Is Done. So Where's Your Payment?
Nobody likes chasing a payment. But when your process relies on mail, email, or phone calls, chasing is exactly what your team ends up doing.
The 30-Day Wait
Getting paid from a mailed or emailed statement moves slowly. Cash earned in the first week of the month lands in the second week of the next, and your business has to flex around the gap.
The Fee You Absorb
Every card payment takes a cut. Absorbed quietly across hundreds of transactions, that cut starts adding up to real margin, margin you never chose to give away.
Numbers Read Aloud
Taking payment by phone means a card number is spoken aloud, written down, and typed in by hand. It’s slow, awkward, and the least secure part of your billing process.
Send the Link. Process the Payment.
Payments should live in conversations, not in a separate portal with another password your customer has to remember. Captivated helps minimize the steps between "here's what you owe" and "paid in full."
Request Payment from Any Text Message
- Open the three-dot menu under the message field, choose Request Payment, enter the amount and a note, and send.
- Or attach a payment request to a saved template, so recurring invoices go out in one click.
- Sent something wrong? Cancel the payment request from inside the thread before it's paid.
Many Ways to Pay. Zero Apps to Download.
- Your customer taps the link and chooses bank account (ACH) or credit card, including Apple Pay and Google Pay.
- No login, no portal, no download. It opens in the phone browser they already have open.
- ACH gives you a low-cost lane for larger balances where card fees would hurt.
Decide Who Carries the Fee
- Configure your checkout so customers who choose a credit card carry the convenience fee themselves (surcharge).
- Or steer them toward bank transfer (ACH) and keep the transaction cost low for everyone.
- Either way, the choice is yours to make, instead of a cost you absorb by default.
A Payments Dashboard That Reconciles Itself
- Filter by paid, unpaid, canceled, or failed across any date range, or search by reference number.
- Click the chat bubble on any payment to jump straight back to the conversation it came from.
- Issue a refund from the same screen, and export the whole thing to CSV for your bookkeeper.
Your Savings
Run Your Own Numbers
Plug in your own numbers for an honest estimate (not a guarantee) including the surcharge your credit card customers pay, the lower cost of bank payments, and everything in between.
Your payments (monthly)
$
#
%
%
Debit and prepaid are never surcharged. Exclude customers in CT, ME and MA, and in states with a lower cap.%
What you pay today
%
$
Express Pay pricing (edit only if your plan differs)
%
$
%
$
$
$1,100
estimated savings per month · $13,200 per year
2.93%effective rate today
0.73%effective rate with Express Pay
75%of today's processing cost eliminated
Monthly processing cost — who pays it
You payPaid by credit-card customers (surcharge)
| Payment volume | $50,000 |
| Surcharge paid by credit-card customers | $765.00 |
| Card fees you still pay (debit, prepaid, non-eligible) | $135.00 |
| Bank (ACH) fees | $210.00 |
| Express Pay subscription | $20.00 |
| Your monthly cost with Express Pay | $365.00 |
| Your monthly cost today | $1,465.00 |
A one-page PDF with your numbers, the disclosure wording and the 3% rule.
Estimate only. Excludes refunds, disputes, chargebacks and taxes. A surcharge can never exceed your actual cost of card acceptance or any lower state limit; Express Pay enforces the 3% ceiling. Pricing current as of September 2026.
We've Watched Good Businesses Wait Too Long to Get Paid.
It's rare to have a customer that just won't pay. Rather, it's that paying takes an envelope, or a phone call, or a portal login nobody remembers. Every one of those steps is a place where a paid invoice turns into an unpaid one. We built Express Pay to help.
1200+
businesses served across a decade of business texting.
98%
of our customers would recommend Captivated to industry peers.
5 Star
Google reviews and SOC 2, HIPAA and CCPA credentials.
90%
report reduced admin effort and improved efficiency.
Live
U.S.-based support from real people.
Express Pay is built with the security and compliance you and your customers expect.
Chegar Facial Plastic Surgery
"Text-based payment collection is incredibly seamless, and we use it constantly to secure deposits and settle balances. Having a secure, unalterable communication trail with our patients is invaluable."
– Practice Manager, Chegar Facial Plastic Surgery
3 Steps to Getting Paid Today
Get your personalized pricing.
Build your quote online (no sales call required). Or book a demo. Either way, we look forward to serving you!
We set you up.
Once you're using Captivated, our launch team connects your payment gateway, configures fee handling the way you want it, and builds your first payment templates with you.
Send your first request.
Attach a payment to a message and hit send. Most teams collect their first text payment within a few days of going live.
Important Note: One site license. Unlimited users (no "per seat" billing nonsense, ever). Real humans in support, and a launch team that does the setup with you.
What Changes When Payments Live in Your Conversations
Time to Payment
Without This Service:
Roughly 30 to 45 days via mailed or emailed statements
With Captivated:
Minutes, from a link inside an active text thread
Practical Impact:
Shrinks aging receivables and smooths cash flow
Card Processing Fees
Without This Service:
Absorbed by the business on every card transaction
With Captivated:
Passed to the customer at checkout, or routed to low-cost ACH
Practical Impact:
Protects margin on every single invoice
Payment Security
Without This Service:
Card numbers read aloud by phone and hand-keyed
With Captivated:
PCI-compliant hosted checkout, no card data touches your staff
Practical Impact:
Removes the weakest link in your billing process
Reconciliation Effort
Without This Service:
Manual matching across email, paper, and spreadsheets
With Captivated:
Filterable payments dashboard with CSV export and one-click refunds
Practical Impact:
Cuts bookkeeping time and closes the month faster
The Bottom Line
Without it: your receivables keep aging, somebody keeps making collections calls, and the card fee keeps coming out of your side of the ledger. None of that is a customer problem. It's a friction problem. Good news: that friction is fixable.
Frequently Asked Questions
You control it. Your payment portal can be configured so that customers who choose to pay by credit card carry the convenience fee at checkout, rather than the business absorbing it. You can also offer bank transfer (ACH) as a low-cost alternative, which many customers prefer for larger balances. Fee handling is set up with your launch team and can be adjusted later.
No. They tap the link in the text and the checkout opens in their phone's browser. They can pay by bank account (ACH), credit card, Apple Pay, or Google Pay. There is nothing to download and no password to remember.
Payment details are entered on a PCI-compliant hosted checkout. Card numbers never pass through your staff, your phones, or your notes. Captivated is SOC 2 Type II audited. The conversation retains the payment record and receipt, not the card data.
Yes. The Payments dashboard shows every request filtered by paid, unpaid, canceled, or failed across any date range, searchable by reference number. Refunds are issued from the same screen, and the whole view exports to CSV. Click any record to jump back to the conversation it came from.
Yes. Attach a payment request to a template for one-click sending, or use Automation Events to trigger a request when a workflow reaches a specific state (e.g., when a repair is marked complete). Captivated can also send an automation when a payment request is completed, so the next step in your process fires on its own.
Ready to Stop Waiting on Payments?
Book a 30-minute demo, or build your own quote in about 10 minutes. Either way, you'll see exactly what a text payment looks like on both ends of the conversation.
Already a customer? Text Captivated Support at 317-316-3600.
