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Loyalty Program

MEMOPay: we've got a loyalty reward program

Whether you’re a customer or merchant, join MEMOPay to get rewards for making or receiving payments.

Resolve friendly fraud

How Much Risk Does Friendly Fraud Pose?

Any instance of fraudulent chargebacks can cost a merchant anywhere between $20-$100 to resolve. You risk losing your merchant account if you have a higher amount of chargebacks. That’s why it is in your best interest to reduce the risk of credit card fraud, commonly known as “friendly fraud”.
Resolve Risk Now
Risk-Free, Fast

Payments That Make Life Easy

MEMOPay makes accepting credit cards completely risk-free. With our fast application process, you can offer MEMOPay to customers in no time.
Get Started Now!

A Payment Solution You Can Trust

The merchant uses MEMOPay to send a payment request to the customer.
Once the customer accepts, MEMOPay checks AML and BSA requirements before leading the customer to the payment page.
MEMOPay sends the amount of the money order to the merchant, removing the risk of chargebacks.
Your purchase is complete.

An effortless connection between customers and merchants, from beginning to end

For Customers
For Customers
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For Merchants
For Merchants
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Why use Cyber-Secure cash?

  • Highly secure substitute for traditional paper money orders

  • Individually serialized for precise real time tracking & monitoring

  • Available to spend at retail merchant location or online merchant

  • Fully compliant with AML and BSA requirements

*Branding and naming is subject to change

Why use an electronic money order?

  • Highly secure substitute for traditional paper money orders

  • Individually serialized for precise real time tracking & monitoring

  • Available to spend at retail merchant location or online merchant

  • Fully compliant with AML and BSA requirements

Why are Card Payments so Widespread?

Significant decline in payments issued by check from the Government & Employers

SSI, Welfare and Unemployment all paid to DEBIT CARDS

Employers moving toward DIRECT DEPOSIT & PAYROLL CARDS instead of paper check

Resulted in a paradigm shift in how consumers manage money and pay for traditional good and services…CASH USED TO BE KING.

MEMOPay uses the Top Industry Compliance Program

MEMO has developed a sophisticated predictive risk scoring methodology for onboarding and monitoring of merchants and their activity

Enforcement of stringent policies when offenses are identified including agent termination

All industries can benefit from MEMOPay such as

  • Merchants who sell high-dollar inventory

    Online merchants with a high average selling price of product/services
    Chargebacks create volatility in your monthly cash flows

  • Professional service providers / Gig Economy Workers

    Designers, consultants and programmers whose freelance work necessitates protection against fraudulent chargebacks.

  • Contractors / Renovations / Restorations

    MEMOPay will enable high-quality contractors to accept credit cards for larger jobs with the comfort that there will be no chargeback risk

  • Vacation Property Management Companies

    MEMOPay enables you to accept credit cards for your renters

Secure Money Orders for All Size Transactions Nationwide

Get To Know Us

This product is new. But, MEMO Financial Services, Inc. & Subsidiaries (MEMO) is a big, financially stable company with a proven record

MEMOPay may be new, but it was born from a long-standing, reliable financial company called MEMO Financial Services, Inc. & Subsidiaries (MEMO).

Founded in 1986, MEMO has been providing profitable money service solutions for 35 years. Today, MEMO is owned 100% by Catalina Acquisitions, LLC (CAQ), and a private holding company.

MEMO provides more than $1 billion of financial services to millions of customers per year.

MEMO core products include money orders, bill payments and prepaid card services, delivered through more than 3,400 agents across a 23-state footprint.

MEMO is more than ready to handle money orders for all size transactions. Your money is safe with us.