Select an enrolled merchant
Choose a verified business or creditor with an approved merchant agreement and settlement account.
Purchase infrastructure, reengineered
Pay real expenses. Keep every dollar accountable.
Use a card to pay enrolled merchants and verified bills directly. BridgeFunds validates the merchant and obligation, shows the full charge, and delivers a traceable purchase receipt.
Pre-launch sandbox · No cash-out or customer payout · Acquirer approval required
Verified merchants before listingInvoice validation before authorizationDirect settlement to the merchantTokenized card data through approved providersOriginal-card refunds onlyVerified merchants before listingInvoice validation before authorizationDirect settlement to the merchantTokenized card data through approved providersOriginal-card refunds only
One accountable route
From verified obligation to merchant settlement.
BridgeFunds is designed for genuine purchases and bona fide bill payments—not customer liquidity. The merchant, invoice, amount, consent, settlement, and receipt remain linked.
Verify the obligation
Match the account or invoice reference, payee, amount, and eligible goods or services before payment.
Review the full charge
See the purchase amount, BridgeFunds fee, total card charge, merchant descriptor, and refund terms.
Settle and track
Funds go to the merchant or creditor—not the customer. Follow authorization, review, settlement, completion, refund, or dispute under one receipt.
Purchase-only design boundary.BridgeFunds does not pay cash, send funds to a customer-controlled debit card or bank account, support person-to-person transfers, or permit alternate-destination refunds. Classification still depends on the real transaction, merchant setup, and written acquirer/network approval.
Eligible categories
Built for verified expenses.
Initial categories stay narrow so each payment can be tied to a real merchant, a valid obligation, and an approved descriptor.
Utilities
Pay an enrolled electricity, water, or connectivity provider against an account balance.
Healthcare
Pay a verified provider invoice, subject to privacy and category-specific controls.
Education
Pay tuition or program charges to an enrolled school or training provider.
Services
Pay a documented invoice from an approved home or professional-service merchant.
Interactive sandbox
Know the full charge before you pay.
Adjust the bill amount to see the prototype platform fee, total card charge, and amount paid directly to the selected merchant.
$
Purchase amount$250.00
BridgeFunds fee$9.75
Total card charge$259.75
Merchant receives$250.00
Sample pricing only. Final fees, merchant categories, descriptors, limits, and card treatment require written partner approval.
Trust architecture
Proof before payment.
Production controls must demonstrate that every transaction is a genuine payment to the named merchant or creditor.
Merchant diligence
Business identity, beneficial ownership, sanctions, category, website, and settlement account checks.
Invoice validation
Unique references, amount matching, duplicate prevention, and evidence retention.
Settlement integrity
Direct merchant settlement, double-entry accounting, daily reconciliation, and no customer cash-out.
Refund integrity
Refunds return to the original card, with chargeback and exception monitoring.
Straight answers
What early users should know.
Is BridgeFunds currently live?
No. The website and mobile app are pre-launch prototypes. Live payments require enrolled merchants, regulated partners, and written acquirer and processor approval.
Where does the money go?
Directly to the enrolled merchant or creditor associated with the verified bill. BridgeFunds does not pay the customer, another individual, or a customer-controlled account.
Does calling it a purchase determine card treatment?
No. The underlying transaction, merchant relationship, merchant data, MCC, descriptor, and network/acquirer approval must all support the classification.
How are refunds handled?
Approved refunds return to the original card. BridgeFunds does not support cash refunds or alternate payout destinations.
Pilot interest
Build the verified-payment network.
Request consumer pilot access, merchant enrollment, or a financial-partnership conversation. This form does not open an account or initiate a payment.