Online merchants can link to VoPay’s API to offer consumers in the U.S. and Canada the opportunity to pay for goods and services from their checking accounts. VoPay offers sellers a guaranteed payment for all transactions it approves. They receive funds in 8 to 12 hours. All validation of consumer account details is done prior to processing the transaction and settlement into the automated clearing house network. VoPay views a consumer’s available funds on deposit through a link with data aggregator Plaid. This effectively eliminates payments denied for nonsufficient funds (NSF), alo...