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Payments · by Merch FinTech

Software companies add payments. We're a payments company that built software.

613OS is built by Merch FinTech — payments infrastructure first. That's why the rates are the lowest, the banking earns you yield, and the fintech stack goes places institution software never has. One processor, one dashboard, one rate you can actually read.

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Cards 2.9% + 30¢$1 flat ACHUnlimited members · no per-member feesYour own merchant account613OS never holds your money

Surcharging offered where permitted by applicable law and card-network rules, with required disclosures; surcharges apply to credit cards only (never debit) and never exceed the cost of acceptance.

613OS · Payments todaySettling to your account

$41.2K

Collected today

97%

Autopays cleared first try

Card cost with the no-cost option

Tap-to-payRegistration night — 38 payments on two phones, all on the family record

Auto

QR at the dinner14 journal ads and 9 auction lots paid from the table

Live

ACH tuition212 bank payments pulled — $1 flat each

Auto

Failed payments4 failed — families messaged, 3 already fixed

Auto

Dedications6 gifts l'ilui nishmat — printed on every receipt

Sent

QuickBooksToday's settlement itemized and synced

Done

30–40%lower card fees, typically, after we take over the account

Free softwareSee how you can get the software for free by processing payments or payroll with us →

$1 flatper ACH (bank) payment — never surcharged

2.9% + 30¢cards — one rate you can actually read

The software credit

How the free software works

Your plan has a list price. Process with 613OS Payments and that fee is credited back — here are the terms in full, the same ones on your order form.

The conditionThe credit applies for as long as 613OS Payments is your processor of record — every tuition, dues and donation payment taken through the platform runs on the merchant account provided through 613OS Payments.

What you still payCard and ACH processing fees on each payment — $1 flat per bank payment, 2.9% + 30¢ per card payment on 613OS Payments. See the fee table.

If you switch processorsWe give you 30 days' notice; the credit ends after that, and your plan continues at list price unless you cancel or export your data.

The fintech stack

Six ways your money works harder here

Collect it, spend it, and earn on it — the complete money layer for your mosad, from one company.

In-person & embeddedTerminals, tap-to-pay on a phone, QR codes on every table, and checkout embedded in every form and portal — transparent pricing with a no-cost surcharge option.CollectLearn more →ACH — in & out$1 flat ACH tuition and dues in; payroll, vendor and reimbursement payments out. One rail, one ledger, full approval controls.Collect & payLearn more →Stored cards & autopayFamilies save a method once. Charges run on schedule, expired cards update themselves, and failed payments retry with dignified follow-up.CollectLearn more →Staff expense cardsPhysical and virtual cards with per-teacher budgets, category locks, and automatic receipt capture — the school's money, with guardrails.SpendLearn more →Banking & yieldSame-day deposit availability and competitive interest on balances — including the payroll taxes you hold between runs.EarnLearn more →Gift cardsYour institution's own branded gift cards — grandparent tuition gifts, store and canteen credit, staff appreciation, auction prizes.Keep it insideLearn more →

Accept every way they want to pay

Ten ways they can pay

Every one of them lands on the right family, member or donor record — with the receipt, the dedication and the follow-up already attached.

Terminals & tap-to-payA countertop terminal at the desk, and any phone as a contactless reader for dinners, auctions and registration nights.QR & embedded checkoutA QR code on every table and pledge card; checkout built into every form, portal, store and campaign page.

Text-to-donateA keyword to your number opens a giving page on the donor's phone — pledge, pay and receipt in under a minute.

ACH — in & out$1 flat bank payments in; vendors, payroll and reimbursements out on the same rails.Stored cards & autopaySmart retries and auto-updating cards — the #1 cause of failed tuition payments, eliminated quietly.Recurring tuition & dues plans10-pay, 12-pay, quarterly or custom — charged on each family's schedule with receipts the moment they clear.Event & dinner ticketingTiered tickets, journal ads, auction and seating — sold and collected before event night.Gift cards & scripBranded gift cards and the scrip program — every dollar staying inside your ecosystem.Staff expense cardsPer-card budgets, category locks, receipts captured at purchase.Banking & yieldSame-day deposits and interest on balances, in named buckets your board can read.

The difference

That order matters

Bolt-on processors mean middleman markups, spreadsheet reconciliation, and two support numbers. Embedded payments mean every charge lands on the right record, money events trigger automations, and pricing has no hidden layer.

No middleman markupA software company that bolts on a processor takes a cut from the processor. We are the processor — the markup layer is gone, and the rate is printed.

Every charge on the right recordTerminal, QR, portal or ACH — the payment lands on the family, member, event or fund it belongs to. No orphan deposits to reconstruct at month end.

Money events run the automationsA payment clears and the receipt goes out; a payment fails and the recovery sequence starts; a pledge is paid and the acknowledgment is sent — without anyone remembering to.

One statement, one ledgerTuition, donations, the dinner, the store and the canteen settle through one relationship, itemized and exportable to QuickBooks.

One support numberThe people who built the software are the people who run the processing. Nobody tells you to call the other company.

Your own merchant accountEach institution signs its own merchant application and funds settle to its own bank account. 613OS never holds your money.

We specialize in lowering card rates for 501(c)(3) organizations: schools and shuls typically save 30–40% on card fees after we take over the account.

No-cost option: compliant surcharging or a pass-through line on your own tuition contract or dues statement — the institution pays nothing to accept cards, and ACH is never surcharged.

Dedication fields built in — L'ilui nishmat, l'refuah sheleimah, l'kavod — on every giving page, ticket and receipt. Nobody else builds this in, because nobody else built it for our world.

Built for our world

Dedication fields, built in

L'ilui nishmat, l'refuah sheleimah, l'kavod — on every giving page, ticket and receipt. Nobody else builds this in, because nobody else built it for our world.

Receipt · Building fund giftSent by email + WhatsApp

DonorSample FamilyAmount$360.00 · cardFundBuilding campaignDedicationL'ilui nishmat Sarah bas AvrahamPrinted onReceipt · acknowledgment · donor wallRecordLogged to the family's giving history

Download receipt Give again

The dedication travels with the gift — onto the receipt, the acknowledgment and the campaign page.

On every giving pageA dedication line on campaigns, appeals, kiddush sponsorships and yahrzeit gifts — a drop-down, not a free-text box someone has to retype.

On every ticket and receiptDinner tickets, journal ads and receipts carry the dedication exactly as the donor wrote it. Payments get receipts; gifts get acknowledgments.

Aware of the calendarScheduled sends hold on Shabbos and Yom Tov and resume after. Yahrzeit reminders go out the week before, with a giving link attached.

Every other platform earns more when you spend more. 613OS earns more when you collect more.

We earn on what flows through the platform — that's the whole model. We're not giving away revenue. We're removing the reason you'd say no.

The rate card

A rate card you can read in ten seconds

Every fee itemized on every transaction. No mystery deductions, no buried effective rates, no fee for being a family.

Cards: 2.9% + 30¢Credit, debit, Apple Pay and Google Pay — one printed rate, or $0 to the institution with the no-cost option.

ACH: $1 flatAny amount, in or out. Paid by the family by default; the institution can cover it. Never surcharged.

Returned payment: $25At cost — what the bank charges, passed through. Smart retries mean most never get this far.

Per-family fee: neverThe institution pays for the platform; nothing is charged to a family or member for being one.

Bring your statements

Bring your statements. We'll bring the savings.

A 30-minute review of your processing and bank statements — we show you the rate savings and the yield you're leaving on the table, line by line.

1Send a statementOne recent processing statement and one bank statement. That's all the homework.

2Line-by-line reviewWe find your real effective rate, the fees that don't need to exist, and what your idle balances could earn.

3Your own merchant applicationWe beat the rate or tell you to keep your processor. If we win, the institution signs its own application — funds settle to your own account.

4Live in daysPayments connected, portal live, every method on the right record. The first cycle runs on autopilot.

Straight answers

What does 613OS charge to process payments?

Cards are 2.9% + 30¢. ACH is $1 flat per payment. A returned payment is $25, at cost. There is never a per-family or per-member fee. Process with 613OS Payments and your plan fee is credited back for as long as 613OS Payments is your processor of record for tuition, dues and donations; card and ACH processing fees apply, and the credit ends 30 days after notice if you switch processors.

How can the institution pay nothing to accept cards?

Two no-cost options: compliant surcharging, where the card fee is disclosed and paid by the family who chooses a credit card, or a pass-through line on your own tuition contract or dues statement. Either way the institution keeps 100% and ACH is never surcharged. Surcharging applies to credit cards only, never debit, where permitted by law and card-network rules.

Who holds our money?

You do. Each institution signs its own merchant application and funds settle to the institution's own bank account. 613OS never holds your money.

Can we keep our current processor and still use 613OS?

You can, but the economics change: the plan-fee credit applies only with 613OS Payments as the processor, and the 30–40% card-fee savings come from us taking over the account. Bring a recent statement to the demo and we will show you the difference line by line — or tell you to keep what you have.

Does every payment land on the right record?

Yes. Terminal, QR, portal, ACH and campaign payments all settle through one processing relationship and map to the exact family, member, event or fund they came from — with receipts and dedications attached and the ledger exportable to QuickBooks.

Rates: cards 2.9% + 30¢ · ACH $1 flat · returned payment $25 at cost · never a per-family or per-member fee. Each institution signs its own merchant application; funds settle to the institution's own bank account. 613OS never holds your money. Surcharging where permitted by law and card-network rules, credit cards only, with required disclosures. 613OS is a financial technology company, not a bank; banking services, deposit accounts and cards are provided through licensed partner banks, Members FDIC. Yield rates variable and subject to change. Card programs subject to approval. October 2026.

Let's talk about your numbers

Bring a recent processing statement and bank statement to your demo — we'll show you the savings and the yield, line by line.

Book a payments review Run your numbers first

613os.com/demo · 305-954-7362 · yoni@613os.com