Everything you need to take payments — nothing you don’t
Puna Pay covers in-person and remote card payments with one account and one statement that itemizes interchange and our markup.
From checkout to your bank account
- 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 payments and digital wallets on supported devices. Receipt options depend on the device you use.
- Step 3
Reporting
Transaction and deposit reporting you can review and export, so your bookkeeper can reconcile against your bank account.
- Step 4
Deposit to your bank
Funds are deposited to your bank account on the funding schedule in your agreement.
Features that earn their keep
What is available depends on your equipment and setup. We confirm it in your written comparison.
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.
Deposits & payment links
Send a secure pay-by-link for surgery deposits, boarding reservations, or no-show fees. Clients pay on their own phone before they arrive.
Works with Bittsi PIMS
Payments integrate with Bittsi PIMS for veterinary practices. Running something else? Tell us what you use and we’ll confirm how it works before you switch.
Will Puna Pay work with your setup?
It depends on what you use today. Here is how we describe each case. Tell us your POS or software in the rate review and we will say plainly which one applies.
- Confirmed integration
- Bittsi PIMS, our veterinary practice software, is a confirmed integration with Puna Pay. This is the only third-party software we name as integrated.
- Standalone terminal
- A card terminal that works on its own, next to whatever POS or software you already use. You key or enter the amount on the terminal; it is not linked to your software.
- Browser-based tools
- Virtual terminal and payment links you open in a web browser. They do not require your POS or software to connect to us.
- Setup requiring review
- Anything else — a specific POS, an e-commerce platform, existing hardware you want to keep. Whether it works depends on the model, configuration and provisioning, so we review it before saying yes or no.
See these features against your real numbers
Tell us your numbers and your current setup. We’ll review them and send a written comparison.
Request a free rate review