Third Party Payment Services

Third Party Payment Services


Using third-party services with Simple

There are many third-party payment and budgeting services out there. Some specialize in sending money internationally, others allow you to send money to friends or family, and new ones are being developed all the time.

In most cases, you'll set up the connection on their end, and they'll usually ask for your Simple account and routing numbersSimple account and routing numbersSimple account and routing numbers or your card number. Some services will verify the link by sending tiny deposits to your Simple account. They might also offer the option of verifying with your Simple username and password (which should work fine) or with security questions (which won't work with Simple, because we don't use security questions).

Here are a few common and useful services:

Google Pay
With Google Pay, you can send money to anyone in the U.S. with their email address or phone number. You can link your Simple account with your card number or your account and routing numbers.account and routing numbers.account and routing numbers.

PayPal
PayPal offers a wide variety of services. If you’re planning to use PayPal with your Simple account, here’s what you need to know: We cannot link to Paypal accounts under a business name, since your Simple account is for personal use. Some PayPal services may incur a fee. One thing to keep in mind when linking your Simple account to Paypal is that when you're asked for the bank name, you'll need to enter the name of our partner bank, BBVA USA, rather than Simple.

Square Cash
Square Cash allows you to send money for free with your debit card. You don't need a username or a password—just the email address for the person you'd like to pay and your debit card number. Transfers are often instant, but they can take up to 1-2 business days.

Venmo
With Venmo, you can send money to friends and even authorize other people to withdraw funds from your Venmo balance. Venmo can be hooked up to Simple with your card number (make sure it's marked as debit, not credit), your bank account number, or both.

Xoom
Xoom primarily used to send money internationally. They do charge fees, which is typical for this type of service.

Questions?

Hit us up if you have questions about how Simple interacts with any payment services, or if you're interested in a service and you're not sure if it will integrate with your Simple account.

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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