Atomic Expands Product Suite to Bring Clarity, Confidence, and Convenience to Paying Recurring Bills Inside Banking Apps
Atomic Expands Product Suite to Bring Clarity, Confidence, and Convenience to Paying Recurring Bills Inside Banking Apps
Read More on Fintech : Global Fintech Interview with Mike Lynch, Principal, AI Strategy and Finance Transformation for Auditoria
Atomic, a leader in embedded financial connectivity, announced the launch of PayNow, a new experience that enables consumers to view, manage, and pay bills directly from their bank or fintech app.
PayNow brings clarity and control to bill management. It allows account holders to securely connect to service providers (e.g. internet or mobile providers), review upcoming bills alongside their balances, and initiate payments directly with those merchants or billers via ACH or card, all without leaving their banking app.
Meeting consumers where they already are
Atomic developed PayNow after analyzing user behavior across its payment-switching data. Nearly 20% of all payment switches happen within two days of a bill’s due date. That number rises to 40% for mobile and internet bills due within five days.
Consumers already rely on their banking app to decide how and when to pay. PayNow turns that moment into a seamless experience, letting them see their balance, understand what’s coming due, and initiate a payment to that merchant or biller without switching between apps or websites.
“We designed PayNow to meet people where they already are—checking their balance and deciding how to pay a bill,” said Jordan Wright, CEO and Co-founder of Atomic. “It gives them a simple, secure way to submit payments from a place they trust. And because it’s built on the same infrastructure as the rest of the Atomic platform, it creates a seamless path toward a fully connected payments hub experience.”
Flexible options when cash is tight
Paying bills can often create stress, especially when cash flow is uncertain. PayNow is built to ease that pressure by enabling users to make payments directly to merchants or billers from within their banking app. By turning a moment of anxiety into one of confident action, PayNow helps users stay in control, avoid late fees, and maintain financial progress.
The experience also creates natural opportunities for banks and fintechs to introduce supportive services like cash advances, credit line access, or payment flexibility. These touchpoints build trust, drive retention, and position the bank or fintech as a reliable partner in their customers’ financial lives.
Helping institutions deepen trust and stickiness
For financial institutions and fintechs, PayNow drives engagement and loyalty by meeting users at key decision points in how they manage bills and money. Launching first with mobile and internet providers, PayNow enables banks and fintechs to reach customers during critical bill payment windows and offer real-time, actionable support.
Catch more Fintech Insights : The Disappearing Payment: How Embedded Finance Is Quietly Reshaping B2B Transactions?
[To share your insights with us, please write to psen@itechseries.com ]
