Authvia, a leader in messaging-based payments, has announced the issuance of its fifth U.S. patent (No. 12,211,018), which covers business-to-consumer payouts over messaging and reinforces its intellectual property position in the evolving digital payments landscape.The new patent solidifies Authvia’s role as a platform and intellectual property leader in the next era of digital payments. As the U.S. mobile payments market is projected to reach $4.5 trillion by 2033, according to iMark Group, Authvia aims to remain at the forefront by enabling real-time, secure, and app-free payments and payouts through widely used communication channels.With five foundational patents now granted (Nos. 12,211,018; 12,106,272; 11,989,708; 11,734,659; and 11,144,895), Authvia states it is the sole platform with protected intellectual property for frictionless, PCI-compliant message-based payments across SMS, RCS/RBM, WhatsApp AI-powered chatbots and virtual agents, and CPaaS and omnichannel enterprise messaging platforms. This latest patent aims to strengthen Authvia’s position in secure, message-based payment authorization, supporting its partners in future-proofing their offerings and mitigating IP risk as conversational payments gain traction.Justin Rumpf, Director of IT at Resale1, commented on the development: “As digital payouts and pay-ins evolve, IP protection matters more than ever. Authvia’s patented platform gives us the confidence to scale this new technology without legal uncertainty or technical limitations.”Authvia highlights its infrastructure and intellectual property as key differentiators in delivering compliance and trust in messaging commerce. Enterprise organizations across sectors such as healthcare, financial services, retail, and utilities utilize Authvia’s TXT2PAY® platform to address consumer demand for secure, real-time transactions without the need for apps, logins, or redirects.Chris Brunner, Founder & CEO of Authvia, stated, “As RCS, AI, and SMS converge to reshape customer communication, in-message payment isn’t a feature, it’s a future-proof strategy. Our fifth patent puts a stake in the ground: Authvia is the platform enterprises can trust to lead them into the future of digital commerce and bill payments.”Authvia’s patented platform is designed to provide strategic advantages for various players in the payment ecosystem. For banks and processors, it aims to reduce development time and IP exposure by offering a compliant solution for messaging-based payment flows. ISVs and SaaS Platforms can embed tokenized payments into existing workflows using white-labeled APIs and low-code tools. ISOs and VARs are presented with an opportunity to differentiate their offerings through patented capabilities that aim to drive faster payments, reduce churn, and enhance customer experiences.Brunner further added, “This is our Amazon OneClick moment. We’ve taken the complexity of compliance, security, customer experience, and made it invisible. That’s the benefit of listening to the market and inventing the future.”The platform is engineered for scalability and future developments, featuring full tokenization, PCI compliance, and integrations with over 250 processors and gateways. It supports enterprise deployments across healthcare, retail, insurance, and field services, among other sectors. With a white-labeled, API-first architecture, it ensures channel scalability and maintains PCI, SOC2, and HIPAA compliance, operating as a cloud-based integrated wallet. Authvia is utilized by financial institutions and platforms, enabling partners to innovate and connect with their customers through preferred communication channels.Authvia specializes in omnichannel, conversational bill payment, facilitating secure, app-free transactions via SMS, RCS, WhatsApp, AI chatbots, and email. Its TXT2PAY® platform converts conversations into compliant, tokenized payment experiences. With five issued U.S. patents and over 250 processor integrations, Authvia provides mobile bill payment solutions for ISOs, ISVs, financial institutions, and enterprise merchants.