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Payments & fintech · 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 our rates are the lowest, our banking earns you yield, and our fintech stack goes places school software never has.
Lowest transparent rates
0% cost with surcharging
Same-day deposits
$0 software over $1M card volume
The fintech stack
Five ways your money
works harder here
💳
In-person & embedded
Terminals, tap-to-pay, QR codes, and embedded checkout — lowest transparent pricing, zero-cost surcharge option.
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🏦
ACH — in & out
Free ACH tuition in; payroll, vendor, and reimbursement payments out. One rail, one ledger, full controls.
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💼
Staff expense cards
Physical & virtual cards with per-teacher budgets, category locks, and automatic receipt capture.
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📈
Banking & yield
Same-day deposits and competitive interest on balances — including the payroll taxes you hold between runs.
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🎁
Gift cards
Your school's branded gift cards — grandparent tuition gifts, store credit, staff appreciation, prizes.
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In + Out + Yield
Collect it, spend it, and earn on it — the complete money layer for your mosad, from one company.
The difference
Software companies add payments.
We're a payments company that built software.
That order matters. Bolt-on processors mean middleman markups, spreadsheet reconciliation, and two support numbers. Embedded payments mean every charge lands on the right family record, money events trigger automations, and pricing has no hidden layer — which is how volume can make your software free.
Bring your statements.
We'll bring the savings.
A 30-minute review of your processing and bank statements — we'll show you the rate savings and the yield you're leaving on the table, line by line.
Book a payments review
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.