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Pay next to 0 to accept subscription payments
Boost your bottom line by enabling your customers to pay by bank with Magic. Eliminate credit card fees, chargebacks, and churn.
Add 5% to your annual revenue
80% Lower Processing Fee
Direct bank payments cut out expensive card fees, and Magic’s unbeatable low rates mean savings with pay by bank really stack up.
80% Lower Fraud & Chargebacks
Magic’s payments are authenticated in the bank environment with MFA, preventing unauthorized transactions that account for 80% of chargebacks.
50% Lower Subscription Churn
50% of churn is involuntary - caused by declines related to lost, stolen, or expired cards. Strip out cards completely with recurring ACH payments and say goodbye to involuntary churn.
70% Lower Payment Failure
Thirty-five percent of recurring payments fail. Magic uses account-level data to automatically retry and collect 70% of failed payments on the day best suited to your customers.
How it works
A simple and rewarding checkout experience your customers love.
No account, routing, or microdeposits needed. As simple as Venmo or Zelle.
Choose Magic at checkout
Customer completes shopping and selects the Magic Pay by Bank option at the checkout.
Link your bank
We use Plaid to link customer’s bank account, just like Venmo or Cashapp. It’s free, seamless, and secure.
Pay & Earn Rewards
Supercharge existing subscription discounts with Magic's additional rewards at checkout!
Security is our top priority
Magic uses industry-leading encryption protocols, robust cloud infrastructure, independent security audits, and constant monitoring to protect your and customers’ data.
Strong Encryption
Data is encrypted at rest and in transit using best-in-class encryption protocols like the Advanced Encryption Standard (AES 256) and Transport Layer Security (TLS).
Secure Cloud Infrastructure
We use AWS to host the Magic API, which enables us to leverage years of safety enhancements to better protect data, identities, and applications.
Independent Security Testing
We engage some of the most trusted application security experts to regularly test Magic’s API and ensure our security protocols are in line with industry best practices.
Continuous Monitoring
Robust safety monitoring based on centralized log collection and analysis along with automated alerts helps Magic quickly respond to and resolve any potential issues.
Enterprise-grade platform
We guarantee funds, help you launch in days, and offer seamless integrations with your accounting and other systems.
Launch in days
Our API documentation will get you up and running in next to no time. Minimal technical support required with our modern, developer-friendly API and SDK.
White-glove support
Proactive support with hands-on help. We work with you across your journey, spanning implementation, product support, success management, and more.
Easy Integrations
No need to change PSP. Magic is an additional payment method in your store and checkout. We are compatible with all the major commerce and accounting platforms.
Guaranteed Funds
Powered by an advanced machine learning model, Magic analyzes over 1,000 risk factors to assess the likelihood of transaction returns. This allows us to guarantee payments.
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Estimate your savings with Magic
Card payments are expensive and failure-prone. Magic is built on bank payments, which helps you reduce processing fees, cut churn, and retain more customers.
Try Magic and solve your
biggest payment problems
Backed by world class investors
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