NFINIT vs LocalPay

A mobile banking app that helps employees put themselves on the right track to achieving their financial goals now, all in an easy-to-use mobile banking app. By focusing on how customers interact with their bank online and building a streamlined system with the customer experience in mind, we let employees enjoy features like: Move your direct deposits (​​Works with your Payroll) Make Payday Anyday Fee-free digital banking Pay bills and shop online Virtual and Physical Card Text alerts to help you manage your balance (carrier fees may apply) Cash Access at ATMs Nationwide Use this card everywhere Debit Mastercard is accepted Load multiple deposits to one card Early Access to Federal Benefits (coming soon for Payroll) No check cashing fees 24/7 Cardholder Support Funds are FDIC Insured

LocalPay is a payments and loyalty app connecting consumers with local merchants, community banks, and credit unions. Consumers securely pay from their bank account using QR codes, receiving loyalty rewards and instant discounts. Merchants can reduce payment processing fees, get faster settlement, and create local advertisements and offerings to reach new customers. KEY FEATURES FOR CONSUMERS Local Rewards & Discounts Find and earn loyalty rewards, exclusive discounts, and special offers from participating merchants. Pay via QR Code Scan to pay in seconds directly from your linked bank account—no physical card required. Link Multiple Bank Accounts Securely connect multiple bank accounts through Plaid, switch between accounts easily, and select a default QR payment account. Avoid Card Surcharges Pay directly from your bank account and avoid additional card-related checkout surcharges where LocalPay is accepted. Secure Checkout Authorize payments using Face ID, biometric authentication, or a pre-set PIN for added security on all transactions. Transaction History View your complete LocalPay transaction history and export to a CSV file for your personal records. BUILT FOR MERCHANTS & LOCAL BUSINESSES Lower Payment Processing Fees Reduce payment processing costs to as low as 0.5% or a low monthly subscription option for unlimited transactions. Loyalty, Local Offers, & Advertising Connect with nearby consumers through targeted local advertising, local deals, customized promotions, and special offers. Faster Settlement Get faster access to funds through real-time-capable settlement. No Additional Hardware Required Keep your existing POS system. Simply display your unique LocalPay QR code for customers to scan and pay. Custom Merchant QR Codes Create a unique QR code for your business and accept payments directly into your verified business bank account. Add options for tips, discounts, and digital receipts. Employee Accounts Create individual employee accounts to accept payments while keeping transactions organized under your primary merchant account. Balance Checks Reduce transaction risk by checking for sufficient funds before accepting a payment. Transaction Reports View your full transaction history and export merchant transaction records to CSV for bookkeeping and reporting. QUICK SETUP Create a consumer or merchant account in about 2 minutes and start using LocalPay. LocalPay brings payments, loyalty rewards, local offers, and merchant savings together in a convenient and easy-to-use payment app. Download LocalPay for free today. Learn more at localpay.com