A better than FinTech product from Banks

We power a unique cross-border payment product through an easy and safe alternative to correspondent banking that delights regulators, business payers and recipients.

“Better than FinTech” for B2B and B2C cross-border payments

Compete and Win

Enabling businesses to pay anyone, anywhere through a simple API from their local bank. Using our PCI-compliant, proprietary software external to your bank’s core, you can simplify how businesses make international payments and give those they pay never-before-offered, valuable options to manage and access their money.

Solving big problems for all parties

Our tech & business paradigm is very different
Compliance & Safety First

Business Payer

  • Up to 90% reduction in total fees & costs
  • BPO automation is possible. ACH, RTP, FedWire, SWIFT, SEPA, MC send, CHAPS, etc.
  • 1 API = Pay Anyone, Anywhere
  • We eliminate the risky, costly collection & handling of bank & personal details for recipients

Sending Bank

  • Innovative, new and better than FinTech product
  • External to core
  • 1 API = Pay Anyone, Anywhere or modern/easy web
  • Impossible to deliver our Last-Mile options
  • Corresponded bank problem is solved
  • Nostro-Vostro costs & hassles are eliminated

Receiving Bank

  • Risky-opaque source of funds and KYB risks are eliminated
  • Drive customer acquisition, deposits and fee income
  • Innovative, new & better than FinTech product
  • External to core
  • Leverages bank assets (card issuance, domestic transfers)


  • Payments are instant
  • Differentiated, valuable options - not just “bank transfers”
  • Many are free and others are up to 90% less

Payall cross-border payments

From days to seconds


1-2 min

Sending Bank

Enter recipient email, mobile & amount

5-10 sec

Receiver account created on ledger
Receiving bank matching

10-30 sec

Email and SMS sent to recipient


Receiving Bank

No action - not a part of the process - except to sponsor our tech and provide an omni-bus Account Holding Fiat

30-60 sec

Progressive KYC processed, receiving bank matching account created, ledger funded - email/SMS sent to recipient

can be instant

Chooses what to do with their money

30-120 min

Response to email & SMS to enter personal details

20 sec – 180 min

Funds received and accessed

Payall’s automated software

Payall = Fedwire + SWIFT + + +

single shared

Similar to Fedwire &
TARGET2 architecture

Banks globally have “Reserve” accounts in multiple currencies

Enhanced KYB & KYC

External Core-like
account ledgers for all

Specialized software
for payment routing,
fx, liquidity & more

Local, last-mile
payment options, globally

ACH, SEPA, prepaid processors,
CHAPS, cash disbursers,
alternative systems

Payments INSTANTLY reconcile and reflect on our platform, thus INSTANT PAYMENTS

LAST-MILE decisions are at the discretion (choice) of recipients and most are real-time

Unmatched choices for recipientsto get their payments from our Universal Payment Account

Last-Mile options

Save to ewallet or phone
Share with others
Get cash
Transact & Pay
Transfer to bank

We’ve reimagined correspondent banking with our global network of regulated entities and bank partners who are committed to delivering instant cross-border payments that give recipients unprecedented options to receive and manage their money and ensuring 100% payment transparency and communal sharing of KYB through our platform.

Contact Us

Let’s talk!  We’re eager to help you delight your business clients with modern, instant and unique B2B and B2C global payments

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