Payment Processing Solutions

Evolve is a Bank.

Evolve Bank & Trust is recognized as a global leader in the Payment Processing industry delivering solutions and unique technology strategies to clients. We are a power player in payments without being a big box bank. We understand the twists and turns in the financial industry, and most importantly, we know consumer needs change constantly. Today’s End Users expect speed, efficiency and security in every transaction and the flexibility to choose transaction methods that work for them. The payments industry is evolving daily and so are we.


We primarily work with three groups: Third Parties, Platforms (Merchants & FinTechs), and End Users. 

Third Parties

Third Parties have a direct relationship with Evolve and may be any of the following types:

a. Independent Sales Organization (ISO)
b. Third Party Payment Processor (TPPP)
c. Third Party Sender (TPS)
d. Aggregator


A Company that wants to utilize Evolve solutions for their End Users.

May be one of the following types:

a. FinTech
b. Merchant

End Users

Typically authorizes Evolve to open accounts through a Platform’s onboarding process.

May be one of the following types:

a. Consumer
b. Business


Why Evolve?


Evolve has a rich history grounded in putting the best interest of people and community first. We started in 1925 as a small bank helping develop a rural town in Arkansas. Since then, we’ve evolved as a fullservice bank and a member of the FDIC, providing financial security in all we do. Our relationships run deep– we’ve been in business for nearly a century and counting. Our banking knowledge runs wide– we help you help your End Users.


Our priority is to get you to market as fast as possible. We know that the financial industry is fast-changing. Our dedicate departments are committed to bringing your unique use-cases to life.


We are constantly developing APIs to power financial solutions that support a broader range of FinTech use cases. Evolve’s continuous development is perfectly geared to produce flexible solutions, creating new financial opportunities for your End Users.

Our Solutions. Evolved.

Evolve sponsors Platforms into major payment networks, including MasterCard and Visa, as well as processes payments. Our API-driven solutions enable End Users to send and receive funds through products such as Cash Pick Up, Push to Card, Remote Payment and Presentment Service (RPPS) and more. Our solutions also allow FinTechs and ISOs to extend unique App and Point of Sale (POS) experiences to their End Users.

Below is our current list of solution offerings:

An account, such as a checking or savings account, where deposited funds can be withdrawn at any time.
An account that enables a Third Party or Platform to manage the assets of multiple sub-accounts for multiple End Users; the Third Party or Platform does not own the funds of the End Users.
An account created with Evolve where the End User relationship is managed through a Platform. These are subaccounts of an Omnibus account.


If a Platform provides a regulated financial service in the US, they are required to verify certain information about their customers. Our solution gives them the information they need to help build a secure Customer Identification Program (CIP) for their individual and business clients.

          Individual – The Know Your Customer (KYC) process involves collecting and verifying data about a customer’s identity. This process mitigates fraud and creates unique customer profiles.

          Business – The Know Your Business (KYB) process involves collecting and verifying data about the nature of businesses and the owners. This process verifies data and creates a record with the bank.


A method of retrieving funds from a card transaction via card networks by processing card data collected by an app, POS system, or eCommerce site.


          Push To Card – Allows Platforms to “send” funds directly to consumers and small businesses via an End User’s card account.

         POS and eCommerce – This solution represents a traditional card purchase transaction (or pull transaction). The End User’s card and verification data are collected by the Platform and used to initiate a pull transaction across one of the card networks. The card data and verification can be collected from a POS system or an eCommerce application.

          Cash Pick Up – Enables End Users to instantly access cash at any enabled ATM using only their phone number and transaction code to receive funds. A credit/debit card, bank account or mobile app is not required for pickup.

          RPPS (Remote Payment and Presentment Service) – A method of paying bills to about 95% of industry service providers in the U.S. through an electronic payment network. This solution provides customers one-stop access to comprehensive electronic routing, settlement services, billing, and Online research tools.

          Network Sponsorship – In order to gain access to networks, Platforms and Third Parties must be sponsored in by a bank. Once they are sponsored into a network, the Platform or Third Party can use programs that leverage the network’s resources. We sponsor into Debit, Credit, and ATM networks for both PINned and PINless transactions. Our sponsorship networks include MasterCard, Visa, Star, NYCE, Accel, CU Alliance, as well as regional networks.



Evolve issues both Debit and credit cards into the various card networks.

Card Services

An exchange of funds between accounts of different banks through the ACH network, where one bank originates the transfer and the other receives the transfer.
Enables Platforms to print and deliver checks to End Users (consumers and businesses).
Enables clients to make deposits by taking a picture of a check using an Evolve web capture platform or submitting an x937 file captured via desktop scanner.
Allows businesses to debit or credit cash funds to their Evolve accounts. These funds are transferred between the business location and the nearest Evolve vault by armored car service. The armored car service must be licensed to pick up funds from Federal Reserve Bank locations.
An electronic transfer of funds from a network of banks and transfer agencies. Provides faster processing speeds than ACH transactions, and domestic wires settle on the same day if created before bank cutoff times. Ideal for sending large dollar amounts.

Our Memberships

Evolve is a Principal member of both MasterCard® and Visa®, and has relationships with all primary, regional networks.

MasterCard® is a registered trademark of MasterCard International Incorporated. Visa® and Visa Signature® are registered trademarks of Visa International Service Association and used under license.

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