Atomic Expands Product Suite to Bring Clarity, Confidence, and Convenience to Paying Recurring Bills Inside Banking Apps

Atomic, a leader in embedded financial connectivity, announced the launch of PayDirect, a new experience that enables consumers to view, manage, and pay bills directly from their bank or fintech app.

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Atomic Expands Product Suite with PayDirect to Bring Clarity, Confidence, and Convenience to Paying Recurring Bills Inside Banking Apps

PayDirect brings clarity and control to bill management. It allows account holders to securely connect to service providers (e.g. internet or mobile providers), review upcoming bills alongside their balances, and initiate payments directly with those merchants or billers via ACH or card, all without leaving their banking app.

Meeting consumers where they already are

Atomic developed PayDirect after analyzing user behavior across its payment-switching data. Nearly 20% of all payment switches happen within two days of a bill’s due date. That number rises to 40% for mobile and internet bills due within five days.

Consumers already rely on their banking app to decide how and when to pay. PayDirect turns that moment into a seamless experience, letting them see their balance, understand what’s coming due, and initiate a payment to that merchant or biller without switching between apps or websites.

“We designed PayDirect to meet people where they already are—checking their balance and deciding how to pay a bill,” said Jordan Wright, CEO and Co-founder of Atomic. “It gives them a simple, secure way to submit payments from a place they trust. And because it’s built on the same infrastructure as the rest of the Atomic platform, it creates a seamless path toward a fully connected payments hub experience.”

Flexible options when cash is tight

Paying bills can often create stress, especially when cash flow is uncertain. PayDirect is built to ease that pressure by enabling users to make payments directly to merchants or billers from within their banking app. By turning a moment of anxiety into one of confident action, PayDirect helps users stay in control, avoid late fees, and maintain financial progress.

The experience also creates natural opportunities for banks and fintechs to introduce supportive services like cash advances, credit line access, or payment flexibility. These touchpoints build trust, drive retention, and position the bank or fintech as a reliable partner in their customers’ financial lives.

Helping institutions deepen trust and stickiness

For financial institutions and fintechs, PayDirect drives engagement and loyalty by meeting users at key decision points in how they manage bills and money. Launching first with mobile and internet providers, PayDirect enables banks and fintechs to reach customers during critical bill payment windows and offer real-time, actionable support.

About Atomic

Atomic is a market leader in embedded financial connectivity, trusted by over 195 financial institutions and fintech firms, including 9 of the top 10 financial institutions and 12 of the top 20 fintechs. Since launching with its pioneering direct deposit switching solution, Atomic has expanded into a connected suite that helps users move, manage, and make payments with clarity and control through products like payment method updating, and bill and subscription management. For more information, visit https://atomic.financial.

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