BioEFunds

To empower merchants of all sizes with simple, secure, and scalable payment solutions—reducing costs, increasing approvals, and eliminating chargebacks through modern, cardless technology. At the same time, we provide consumers with fast, secure payment options that offer universal acceptance and inclusive access—no cards, no barriers, just control and convenience.

With over 50 years of experience in payment processing and risk management, BioeFunds was created to solve the pain points merchants face every day—high fees, fraud exposure, and complex systems. We've supported thousands of retailers across the U.S., including Fortune 100 enterprises, national chains, and single-location businesses. Our team combines deep industry expertise with agile fintech innovation to simplify payments and strengthen your bottom line.

We specialize in:

• 🔐 Cardless Payment Processing – Phone number + PIN checkout with fast approvals
• 🛡️ Advanced Risk Management – Proprietary identity, credit, and bank verification systems
• 💼 Accounts Receivable Services – From payment reminders to collections and legal escalation
• 📈 Merchant Analytics & Reporting – Actionable insights to drive smarter decisions
• 📣 Built-In Marketing Tools – Loyalty integration, coupons, and BNPL options

Whether you’re a convenience store, e-commerce brand, or national retailer—we make payments cheaper, faster, and safer.