Everything you need to take payments — nothing you don’t
Puna Pay covers in-person, remote, and recurring payments with one account, one statement, and next-business-day funding.
From checkout to your bank account in four steps
- Step 1
Ring it up
On the countertop terminal, handheld, or virtual terminal — or send a payment link by email.
- Step 2
Tap, dip, or swipe
Cards, contactless, wallets, HSA/FSA — all accepted on every device, with the receipt printed or emailed.
- Step 3
Auto-reconciled reporting
Every batch matched to deposits automatically. Your bookkeeper sees clean, exportable numbers.
- Step 4
Next-business-day deposit
Batch before cutoff and funds settle to your bank account the next business day. No funding tiers.
Features that earn their keep
Every account includes the full set — there are no feature tiers or add-on fees.
HSA / FSA acceptance
Accept health-spending cards where eligible — essential for dental, optometry, chiropractic, and med-spa practices.
Card on file & recurring billing
Tokenized card storage for memberships, payment plans, and repeat customers — PCI burden handled by us, not your front desk.
Refunds & reporting
One-tap refunds, dispute alerts, and reporting that shows your effective rate every month — the same number we asked you to check on your old statement.
Payment links
Send a secure pay-by-link by email — useful for phone orders, deposits, and no-show fees. Customers pay on their own device.
Invoicing
Branded digital invoices with a pay-now button, automatic reminders, and status tracking.
Virtual terminal
Key in phone and mail orders from any browser. No hardware needed for remote-heavy businesses.
Works with the software you already use; native to Bittsi PIMS for veterinary practices.
See these features against your real numbers
Send a statement — we’ll map your current setup to Puna Pay, line by line, within 24 hours.
Get a free statement analysis