Benefits

Why Use Paytions?

You will never buy miles after you start using Paytions. We make accumulating miles a breeze.

01

Earn Rewards

You deserve some “points” for paying your mortgage. Literally!

02

Use Gift Cards

Have unused gift cards? Simply apply the desired amount during payment

03

Buy Time

Put your money to work by tapping into your card’s credit & enjoy the extra time!

04

Meet Target Spend

New credit card? Meet the minimum credit card spend requirement.

05

Travel In Style

Earn miles at a fraction of the cost & transfer to your favorite travel partners!

About US

Democratizing Mortgage Payments

Paytions stands for Payment Options. Paytions was founded to democratize bill payments, starting with mortgages. You deserve to pay them however you choose.

And earn rewards while you’re at it! Whether you are trying to meet the minimum credit card spend for a sign-up bonus or simply have unused gift cards, Paytions can help you use it!

Show Me How
About Ourselves

Paying With Paytions

Get To Know The Basics Of Paying
With Us

Information We Need

To pay your mortgage, we need the property address, and the details of your mortgage lender, Typically, your mortgage statement has all the information.

To verify it’s you making the payment, we also need a government issued Photo ID

How Much Can I Recive?

Pricing

A flat 4% service fee applies to all card payments—simple, transparent, and hassle-free.

We partner with trusted payment processors and banks to handle your mortgage securely, and our fee already covers any charges from them. No hidden costs, no surprises.

How Much Does It Costs?

Timeline

How quickly your transaction posts will depend on your lender.

If your lender is a direct partner, the mortgage payments may be processed electronically within as early as 3 business days.

In some cases, we need to send out paper checks to your lender, which can take up to 10 business days to post.

How Do I Repay?

Difference Of Us

What Makes Us
Different Form Other?

We’re laser focused on our customers! While there are milestones to be accomplished, we believe we have the right team that exactly knows how to make great products for our customers.

We take compliance seriously! Our team has significant experience in regulatory compliance and we know how important personal data is.

Secure Process

Paytions is PCI compliant and adopts latest data security standards and resources for safe payments.

US Based Customer Support

Paytions has a US based customer service team that is readily available to answer any questions you may have.

Favorable Pricing

We negotiate with payment processors and banks to get the best rate for you.

Questions You Have

Frequently Asked Questions

How does Paytions work?

Paytions lets you use your credit card or gift cards to make your mortgage payments. Instead of charging one large transaction, we break it into smaller, manageable payments and then send the full amount to your mortgage company on your behalf.
Yes! Since we process your mortgage using your credit card, you can earn rewards, points, or cashback depending on your card's program.
We break large payments into smaller ones to help you avoid credit card transaction limits, reduce risk, and give you more flexibility with cash flow.
Yes. Paytions follows PCI-DSS security standards for credit card transactions, and we never share your card details with your mortgage company.
No. Your mortgage company receives a standard payment (ACH or check), just as if you paid directly. They won't see that you used a credit card.
Payments are typically delivered within 1–3 business days, depending on your mortgage company's processing times.
Yes, there's a small processing fee per transaction to cover card network and transfer costs. The fee is displayed upfront before you confirm payment.
Not at this time. Currently, you can only use one credit card per mortgage payment. After your first transaction, we securely save that card information and automatically charge it according to the payment schedule you set up. You can modify the amounts and dates of the split payments, but the card itself cannot be changed until a new payment schedule is created.
If a transaction fails, we'll notify you immediately and give you the option to retry with another card so your mortgage payment isn't delayed.
Not yet, but we're working on it! Soon, you'll be able to set up automatic payments where your card is charged at regular intervals that you choose. This will give you a hands-off way to stay on top of your mortgage while still earning rewards.

Still Have Questions?

Call Us We Will Be Happy To Help
(314) 856-2184
Monday - Friday
9AM TO 8PM Eastern Time

United States

1154 Washington Ave
Township of Washington
NJ 07676