Smart global payments
Pay-ins by bank.
Pay-ins by bank.
Payouts in seconds.
Instant payouts, same-day settlement, and bank pay-ins that beat cards on cost and approval rate.
90%+Approval on verified pay-ins
T+0*Merchant settlement
17+Currencies, in & out
24/7Incl. holidays
Pay-ins
More approvals, lower cost
Pay by bank: card-free collection straight from the customer's account. No interchange, and approval rates cards rarely match.
Instant account verification
Secure account connection and ownership checks, before a single dollar moves.
One embedded flow
Customers connect, authorize and pay in a single step. Funds start moving immediately. No card entry, no typos.
Guaranteed funds
Eligible transactions are protected against insufficient funds and reversed transfers. You ship the goods; the risk is ours.
Lower cost than cards
Bank rails carry no interchange. The savings compound on repeat customers and high tickets.
Pay-ins fund your payouts
What you collect in a currency is what you pay out with. Hold a balance per currency and settle locally.
Payouts
Money out, in seconds
Payroll, marketplace earnings, refunds and winnings, delivered over the fastest rail in each market, every day of the year.
Instant local rails
RTP, FedNow and SEPA Instant reach recipients in seconds, at any hour. More than 85% of U.S. deposit accounts sit at banks reachable over the two U.S. instant rails- and we deliver over both.
The Clearing House, 2026Verified before funds move
Recipient details pass local confirmation-of-payee checks first, so irrevocable rails stay safe to use.
Least-cost routing
Every payout takes the cheapest rail that meets its deadline. Instant when it matters, same-day ACH when it does not.
Delivered when banks are closed
Payouts keep landing on Saturdays, Sundays and holidays- days when ACH would have parked them until Monday.
Four ways to deliver
Each recipient chooses how they get paid. Same integration, same settlement view.
Local bank
Wallet
Prepaid & branded cards
Stablecoin
Settlement
T+0*
not
T+2
Merchant settlement the same business day over domestic real-time rails. Finance teams plan around settlement; we compress it.
New markets enabled in days
One ledger for treasury
*Subject to banking partner approval and transaction eligibility.
Coverage
One integration, global reach
Local payment experiences in the markets that matter to you. Verified accounts, local currency, local rails.
Pay-ins & payouts
Payouts live
Rest of world
5B+ people reachable
17+ currencies in & out
80%+ of banked adults
100% of native English-speaking markets
United StatesRTP · FedNow · ACH
Europe / SEPASEPA Instant
United KingdomFaster Payments
BrazilPix
MexicoSPEI
ColombiaTransfiya
AustraliaBECS
New ZealandBECS
CanadaInterac · EFT
United Arab EmiratesAani · UAEFTS
ArgentinaTransferencias 3.0
IsraelMasav
IndiaUPI · IMPS
PhilippinesInstaPay · PESONet
JapanZengin
SingaporePayNow · FAST
Hong KongFPS
Pay-ins run in the markets where collection volume concentrates; payout coverage is near-global today.
Go live
Live in days
Built for teams that measure integration time in engineer-days, not quarters.
01 · Day one
Sandbox in minutes
Keys on signup. Simulate pay-ins, payouts and webhooks against realistic bank behavior.
02 · Week one
Onboarding in parallel
KYB and compliance review run while you build. One agreement covers every rail and market.
03 · Launch
First live payout
Start with a volume cap, then scale as you watch the numbers. Enabling another market later takes days.
Company
Built like infrastructure
We are payments people. The boring parts are the product: compliance, verification, reconciliation.
KYB, AML and sanctions screening
Every counterparty is screened at onboarding and continuously afterwards, through the same licensed partners that serve regulated institutions.
No card data, less attack surface
Pay by bank keeps card numbers out of your systems entirely. Data is encrypted in transit and at rest. Access is least-privilege by default.
Verified before, visible after
Accounts and payees are verified before money moves. A real-time ledger and full audit trail follow after. Finance reconciles in minutes, not days.
Certifications underway
ISO 27001 and ISO 27701 (GDPR-aligned privacy) certifications are in progress. Payment flows run through tier-1 and tier-2 banking partners.
Live today
Global payouts
Pay-ins in 8 markets
Account & payee verification
Real-time local rails
Prepaid & branded cards
Stablecoin in & out
Next
Automated balance management
Payment initiation in India and Israel
Advanced analytics
Tell us what you move
Volumes, markets, methods. Pricing is flat per-transaction with competitive FX- and the first conversation is about real numbers, not a demo invite.