Our financial products and services focus on cash consumers who rely on retail locations rather than banks for their financial support. Our customers are single-store and small chain owners who diligently serve their communities.

No monthly fees, US-based customer service and low item fees.

Fidelity Express’s PayHereNetwork has access to thousands of billers.

Your customers can top-up their prepaid phone minutes and data in seconds.

We work with hundreds of companies and have a nationwide retail footprint.

Netspend provides the benefit of a debit card with the convenience of cash.

Digital Gift Cards require no inventory, only a smartphone and phone number.

All our PayHereNetwork products include Age Verification.

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BEST-IN-CLASS WALK-IN PAYMENT SERVICES FOR RETAILERS

Our products require little to no additional counter space or inventory, are easy to use, and provide immediate value. If you have a PC or laptop with an AMD or Intel chipset and a receipt printer, you’re ready.

Competitive pricing.

We are built for retail.

The best customer service in the business.

WHAT OUR AGENTS SAY

“When I call Fidelity for support I am on the phone with the person that I need to speak with within 2 minutes. That person is friendly, knowledgeable and helpful. I cannot tell you how valuable that is to me.”
Mini Mart
“I am happy with the PayHereNetwork and I have seen growth since I joined.”
Houston’s Discount
“We love the PayHereNetwork. Our Rep gets back to us as soon as possible when we are needing help. It’s fast and convenient; it makes it easier on us and the customer that it saves their information. Fidelity Express is GREAT!!!”
Angelina Check Express
Back to School for Independent Retailers and C-stores

Back-to-School Convenience Starts Here: Everyday Money Services for Your Store

Back-to-school season is one of the busiest times of the year for retailers. Families are shopping for school supplies, new clothes, classroom essentials, and everything in between. With more customers coming through your doors, August gives you a timely chance to deepen customer relationships and encourage engagement by offering services that support everyday needs. One of the best ways to do that is by offering convenient money services. As consumers tackle their back-to-school to-do lists, they’re also managing monthly expenses, paying bills, purchasing gift cards, and staying connected through prepaid wireless services. By offering these everyday services in one place, your store can provide added convenience while creating more reasons for customers to return. The strategy is simple: start with what customers already do, then expand. Convenience Drives Customer Loyalty in Stores Today’s consumers expect convenience. They’re looking for ways to complete multiple tasks in a single trip, especially during

Read More »
bill pay

Summer Bill Payment Creates Reliable Weekly Store Foot Traffic

Summer is already a high-traffic season for many retailers, but stores offering bill payment services can turn that seasonal surge into consistent, week-after-week foot traffic. As temperatures rise, so do utility bills, creating a steady stream of customers looking for a convenient place to pay.  If you’re looking for a practical way to increase store visits and build stronger customer habits, summer bill payment demand is a reliable opportunity available. By offering Fidelity Express Bill Pay through the PayHereNetwork platform, your store can tap into this demand and turn it into a reliable source of traffic, transactions, and revenue. Higher Summer Bills Drive More Frequent Visits, Not Just More Customers Customers must pay their bills whether they’re high or low, but summer changes how they pay them. When utility bills increase, many customers don’t pay the full balance all at once. Instead, they break larger amounts into smaller payments based

Read More »
financial services for cash customers in convenient store

How Independent Retailers and Check-Cashing Stores Can Boost Revenue with Financial Services

Why Financial Services Are Growing in Retail Locations Independent retailers and check cashing stores are always looking for practical ways to increase revenue without adding major costs or operational complexity and financial services continue to deliver on both. One of the biggest drivers behind this growth is customer demand. According to the FDIC, an estimated 5.6 million U.S. households are unbanked and rely on alternative financial services for everyday transactions. Millions more are considered underbanked, meaning they still depend on in-person services like bill payment, money orders, and prepaid products. For retailers, this presents a clear opportunity. By offering financial services through platforms like PayHereNetwork, locations can meet essential customer needs while creating consistent, incremental revenue streams. How Bill Pay and Money Orders Drive Consistent Revenue Offering bill pay for stores is one of the most effective ways to generate steady, repeat income. Fidelity Express Bill Pay, available through the

Read More »
PayHereNetwork 2.0 software for cash payment services

PayHereNetwork 2.0: The Next Evolution of Walk-In Payment Services for Independent Retailers

For years, Fidelity Express’s PayHereNetwork Software (PHN) has been more than a bill payment solution, it’s been a powerful way for agents to drive foot traffic, build customer loyalty, and create consistent revenue inside their stores. Now, with the launch of PHN 2.0, we’re taking everything agents already trust about PayHereNetwork and elevating it to meet the demands of today’s faster, smarter, and more connected marketplace. Why the PayHereNetwork Matters to Agents The PayHereNetwork was built with one core idea in mind: make your store a destination. By offering essential bill payment and financial services, PHN helps agents: The PayHereNetwork has consistently helped agents turn everyday bill pay into a long‑term growth channel. And now, PayHereNetwork 2.0 takes that foundation and removes friction so agents can move faster and serve customers better. https://www.youtube.com/watch?v=D76VlTGZm3Q Introducing PHN 2.0: Built for Speed, Visibility, and Growth The payments landscape has changed, and agent technology

Read More »
cstores foot traffic ramp-up

Capitalizing on the April Foot Traffic Ramp-Up with Fidelity Express

April is a transition month in retail. People start moving around more, routines shift, and many stores feel the early lift that leads into the busier summer season. Convenience stores in particular tend to slow in winter and peak in summer, so spring is often the runway where you want operations tight and the counter experience smooth. Broad retail data supports the idea that April can bring a measurable traffic lift. Colliers reported overall U.S. foot traffic up 2.5% year over year in April 2025, and noted calendar effects like a later Easter influencing behavior. Colliers also reported April 2024 foot traffic up 3.5% year over year, tying some of the lift to higher average tax refunds supporting consumer spending. For Fidelity Express agents, the play is straightforward: when visits ramp up, we help retailers turn more of those visits into repeat habits using services customers already ask for. Why

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Walk-in Payment Services for Retail helping Financial Inclusion

Everyday Payment Services at Community Stores That Support Financial Inclusion

Financial inclusion means having reliable ways to manage money for daily life. For many households, this starts with access to practical, in‑person payment services that are easy to understand and easy to use. Retail locations, such as convenience stores, neighborhood retailers, and many other brick-and-mortar locations, offering walk‑in financial services play an important role in supporting everyday financial needs. By providing trusted payment options close to home, community stores help customers stay current on obligations, manage expenses, and remain connected. Fidelity Express supports this work by delivering dependable walk‑in payment solutions to retail locations nationwide. Financial Inclusion Is Built on Daily Payment Activities Financial inclusion does not require complex financial products. It begins with simple services people use regularly, such as: Everyday financial activity is essential to household stability and long‑term planning. When people can reliably manage these routine payments, they are better able to meet basic needs and plan.

Read More »
Back to School for Independent Retailers and C-stores
blog

Back-to-School Convenience Starts Here: Everyday Money Services for Your Store

Back-to-school season is one of the busiest times of the year for retailers. Families are shopping for school supplies, new clothes, classroom essentials, and everything in between. With more customers coming through your doors, August gives you a timely chance to deepen customer relationships and encourage engagement by offering services that support everyday needs. One of the best ways to do that is by offering convenient money services. As consumers tackle their back-to-school to-do lists, they’re also managing monthly expenses, paying bills, purchasing gift cards, and staying connected through prepaid wireless services. By offering these everyday services in one place, your store can provide added convenience while creating more reasons for customers to return. The strategy is simple: start with what customers already do, then expand. Convenience Drives Customer Loyalty in Stores Today’s consumers expect convenience. They’re looking for ways to complete multiple tasks in a single trip, especially during

Read More »
bill pay
blog

Summer Bill Payment Creates Reliable Weekly Store Foot Traffic

Summer is already a high-traffic season for many retailers, but stores offering bill payment services can turn that seasonal surge into consistent, week-after-week foot traffic. As temperatures rise, so do utility bills, creating a steady stream of customers looking for a convenient place to pay.  If you’re looking for a practical way to increase store visits and build stronger customer habits, summer bill payment demand is a reliable opportunity available. By offering Fidelity Express Bill Pay through the PayHereNetwork platform, your store can tap into this demand and turn it into a reliable source of traffic, transactions, and revenue. Higher Summer Bills Drive More Frequent Visits, Not Just More Customers Customers must pay their bills whether they’re high or low, but summer changes how they pay them. When utility bills increase, many customers don’t pay the full balance all at once. Instead, they break larger amounts into smaller payments based

Read More »
financial services for cash customers in convenient store
blog

How Independent Retailers and Check-Cashing Stores Can Boost Revenue with Financial Services

Why Financial Services Are Growing in Retail Locations Independent retailers and check cashing stores are always looking for practical ways to increase revenue without adding major costs or operational complexity and financial services continue to deliver on both. One of the biggest drivers behind this growth is customer demand. According to the FDIC, an estimated 5.6 million U.S. households are unbanked and rely on alternative financial services for everyday transactions. Millions more are considered underbanked, meaning they still depend on in-person services like bill payment, money orders, and prepaid products. For retailers, this presents a clear opportunity. By offering financial services through platforms like PayHereNetwork, locations can meet essential customer needs while creating consistent, incremental revenue streams. How Bill Pay and Money Orders Drive Consistent Revenue Offering bill pay for stores is one of the most effective ways to generate steady, repeat income. Fidelity Express Bill Pay, available through the

Read More »
PayHereNetwork 2.0 software for cash payment services
blog

PayHereNetwork 2.0: The Next Evolution of Walk-In Payment Services for Independent Retailers

For years, Fidelity Express’s PayHereNetwork Software (PHN) has been more than a bill payment solution, it’s been a powerful way for agents to drive foot traffic, build customer loyalty, and create consistent revenue inside their stores. Now, with the launch of PHN 2.0, we’re taking everything agents already trust about PayHereNetwork and elevating it to meet the demands of today’s faster, smarter, and more connected marketplace. Why the PayHereNetwork Matters to Agents The PayHereNetwork was built with one core idea in mind: make your store a destination. By offering essential bill payment and financial services, PHN helps agents: The PayHereNetwork has consistently helped agents turn everyday bill pay into a long‑term growth channel. And now, PayHereNetwork 2.0 takes that foundation and removes friction so agents can move faster and serve customers better. https://www.youtube.com/watch?v=D76VlTGZm3Q Introducing PHN 2.0: Built for Speed, Visibility, and Growth The payments landscape has changed, and agent technology

Read More »

LEARN MORE ABOUT OUR PAYMENT SERVICES FOR INDEPENDENT RETAILERS

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