Transfers to people
Send money to anyone with an account, using their phone number or payment alias, and it arrives in seconds.
Payments
Move money in real time, inside and outside your ecosystem.
Transfers between customers and to other banks, bill payments, QR and payments with a reference, from your app, your website or WhatsApp. The everyday operations that make customers open your app instead of someone else's, with payouts and reconciliation handled by your treasury in the back office.
Every way your customers move money
Transfers to other banks
Move money to accounts at other banks, through instant payments or standard bank transfers.
Bill payments
Electricity, water, gas, internet and mobile bills, paid from the app.
QR payments
Scan and pay in shops, or show a code to get paid.
Payments with a reference
Pay a business using its reference code; the business receives the payment already matched.
All of them also work over WhatsApp, with the AI assistant.
Every payment is a reason to come back
Transfers and bill payments are what customers do most often. When they do them in your app, your brand becomes the centre of their financial life, and the volume of money moving through your operation grows with every payment.
18,240Payments today
Behind the counter: payouts and reconciliation, handled
While customers pay and transfer, your treasury team sends payouts in batches from the back office, and every movement is matched automatically, whichever payment network carried it.
Batch payouts
Loan payouts and other payments go out in batches, tracked one by one.
Every movement reconciled
Movements from every payment network are matched automatically, and anything that doesn't match is flagged.
Smart routing AI
Each transaction goes through the best available network.
Straight into the books
Every payment lands in the accounting as it happens.
Payments that look after your customers
Spending sorted AI
Every payment is sorted into a category automatically, so customers see where their money goes.
Reminders AI
Customers get reminders before recurring payments are due.
Suspicious payments flagged AI
Unusual transactions are detected in real time and flagged for your team.
AI services are switched on per client and billed by use.
See AI for financial servicesQuestions about payments
Instant payments, bank transfers, online bank payments and QR; in Colombia, that means Bre-B, ACH and PSE. In other countries, we connect the local networks during implementation.
Instant payments arrive in seconds. Standard bank transfers follow their network's schedule.
Yes. The AI assistant can pay bills and send transfers, with a confirmation and receipt in the chat.
Yes. With payments by reference, each payment arrives already matched to its bill.
Yes. Movements from every network are matched automatically, and anything that doesn't match is flagged.
It depends on your country. Businesses without a license can work with a licensed partner bank from our network. For retailers & platforms
Show us how your customers pay
In one session we'll show transfers, bills and QR payments with your brand, and how your treasury team sees every movement.