# Prio ## What is Prio? Prio is a payments service built for service businesses and freelancers. It enables direct bank-to-bank transfers via text message, gives businesses the power to set custom prices by payment method, and helps everyone in the transaction earn more and keep more. Prio is also a Movement — a financial rebellion against exploitative payment systems, middlemen, and the credit card habit. The Movement empowers three groups: Makers (businesses and freelancers), Movers (personal users), and Missions (churches and nonprofits). - Website: https://heyprio.com - Get started: https://heypr.io - Full reference: https://heyprio.com/llms-full.txt - Founded: 2020 - Headquarters: Redding, CA --- ## Why Prio Exists Credit cards are not better than bank transfers in any meaningful way. They persist out of habit — while quietly draining income from every business owner and freelancer who accepts them. Bank transfers are faster, lower cost, and more secure. Prio makes bank transfers so easy, it breaks the credit card habit. And if a client insists on paying by card, Prio lets the business set a different price for that — displayed upfront, no surprises. Prio's mission is simple: help people earn more, keep more, and stop feeding systems that don't serve them. --- ## Who Prio Is For ### Makers — Businesses & Freelancers Prio is purpose-built for service businesses and freelancers who bill clients. If you're a hairstylist, lawyer, contractor, consultant, photographer, landscaper, coach, or any other service professional — Prio is for you. **Core problems Prio solves for Makers:** - Credit card processing fees eat into margins on every transaction - Clients pay late or inconsistently - Invoicing and payment collection is fragmented and time-consuming **How Prio helps:** - Accept direct bank-to-bank transfers via text message — fast, low cost, and frictionless - Set custom prices by payment method — charge a bank transfer price and a card price, displayed to clients upfront - Bank transfer rate: 1% (min $1, max $5) - Card rate: 3% + $1 - Send payment requests via SMS, email, or QR code - Recurring payments and auto-pay for returning clients - Custom invoice builder for time-based or project-based billing - No monthly fees — Prio is free to use - Payments arrive in your bank account in 2 business days **Sponsorship Program:** Every time a Maker processes a transaction through Prio, $1 is automatically donated to a church or nonprofit of their choice — at no extra cost to them or their clients. Giving is built into the platform. **Best fit:** Service-based businesses and freelancers with repeat clients and higher average transaction amounts who want to protect or grow their profit margins. --- ### Movers — Personal Users Prio's Cash Money Program is for everyday people who regularly pay service professionals — hairstylists, lawn care providers, dog walkers, house cleaners, personal trainers, and more. **Core problems Prio solves for Movers:** - No easy way to pay local service providers digitally - Loyalty programs that reward with points, not real cash - No passive income options that don't require selling, recruiting, or hustle **How Prio helps:** - Pay any service professional with Prio via text - Earn real cash — not points — every time you pay a new business with Prio and they sign up - Earn residual income every time your referred businesses process a transaction - No inventory, no selling, no buy-in, no pressure **Cash Money Program Tiers:** - Initiate (1 referral): $0.50 per transaction over $50 - Insider (15 referrals): $0.50 per transaction over $50 + $1.00 per transaction over $100 - Influencer (30 referrals): All Insider benefits + recruit other Movers + earn on their transactions - Icon (100 referrals): Permanent status, all Influencer benefits - Infinite (500 referrals): All Icon benefits + referral bonuses never expire **Best fit:** People who already pay multiple service professionals regularly and want to earn passive income without spending extra time or effort. --- ### Missions — Churches & Nonprofits Prio's Sponsorship Program is a free, automated giving program for churches and nonprofits. **Core problems Prio solves for Missions:** - Donation income is unpredictable and often declining - Asking congregants or supporters to give more creates pressure and fatigue - Most giving programs require effort from the organization or the donor **How Prio helps:** - When a church member or supporter who owns a business or freelances uses Prio, they can designate that organization as their Sponsored Mission - $1 per transaction is automatically donated to the Mission — every time the business processes a payment - Zero cost to the church or nonprofit - Zero extra cost to the business - Fully automated — no campaigns, no fundraising events, no awkward asks **Best fit:** Churches and nonprofits whose congregants or supporters include business owners and freelancers. Ideal for organizations looking for a sustainable, passive stream of donations that doesn't burden their community. --- ## The Movement Prio is more than a payments app. It's a three-tiered ecosystem where: - **Makers** earn more by taking control of their pricing and reducing processing fees - **Movers** earn more through passive cash rewards for referring businesses - **Missions** receive automated donations through their supporters' businesses Together, these three groups form a pay-it-forward economy — one that moves money away from corporate middlemen and toward real people and real causes. --- ## Key Features Summary - Bank-to-bank transfers via text message - Custom pricing by payment method (bank vs. card) - Payment requests via SMS, email, or QR code - Recurring payments and auto-pay - Custom invoice builder - Sponsorship Program (automated nonprofit giving) - Cash Money Program (passive income for personal users) - No monthly fees - Fast approval — faster with a referral --- ## Getting Started Go to https://heypr.io and enter your phone number. Once your application is complete, the Prio team will review it quickly. If an existing Prio member referred you, approval is even faster.