From Payment to Settlement
A 6-step flow that turns incoming customer money into verified merchant liquidity.
Create Payment
Start a payment with one simple API request.
Create Payment
Start a payment with one simple API request.
Show Payment Details
The customer gets the right payment instructions and banking details.
Show Payment Details
The customer gets the right payment instructions and banking details.
Customer Pays
The customer completes the payment through their preferred banking method.
Customer Pays
The customer completes the payment through their preferred banking method.
Payment Confirmed
PayFlow detects and verifies the incoming payment.
Payment Confirmed
PayFlow detects and verifies the incoming payment.
Funds Settled
Verified funds are settled to the merchant in the supported currency.
Funds Settled
Verified funds are settled to the merchant in the supported currency.
Everything in Sync
Payment records, status updates and transaction data stay synchronized automatically.
Everything in Sync
Payment records, status updates and transaction data stay synchronized automatically.
Three Rails. One Platform.
Choose the payment rail that fits your business. One integration connects them all.
Local Bank Transfers
Accept payments and send payouts directly through local banking rails.
- Local payment collection
- Automated payment matching
- Fast merchant payouts
Fiat to USDT
Accept local fiat payments and settle your funds in USDT.
- Convert supported fiat into USDT
- Faster cross-border treasury movement
- Support for major stablecoin networks
Cash on Delivery
Collect cash from customers and turn it into a digital merchant balance.
- Verified cash collection
- Secure OTP-based handover
- Digital transaction records
One Integration. Multiple Ways to Pay
Connect once to PayFlow and access bank transfers, USDT settlement, and cash collection through a single platform.
const deposit = await payflow.deposits.create({
amount: 1000.00,
currency: "USD",
method: "bank_transfer",
customer: {
name: "Alex Morgan",
email: "customer@example.com",
phone: "+1 (555) 234-5678",
},
});
// PayFlow handles routing, checkout, and settlementYour Platform
POST /deposits (Single Request)
PayFlow Core Router
● Auto-Dispatches Payment
See PayFlow in Action
Select a rail and run a simulation to see instant settlement from customer to merchant in real time.
Customer Account
Direct Local Bank Wire
PayFlow Engine
Automated Reference Matching
Merchant Treasury
Local Commercial Bank Settlement
Payment authorized via online banking
PayFlow matches rail reference code
Deposit verified by clearinghouse
Funds credited to merchant account
Reliable Technology
Engineered for mission-critical financial workloads. A distributed event-driven engine providing sub-second settlement, strict double-entry guarantees, and zero downtime.
Sub-Second Settlement
Low-latency routing engine connecting customer checkout directly to merchant settlement across local banking and stablecoin rails.
Strict Double-Entry Guarantees
Engineered for zero float loss. Every balance shift is recorded as an immutable paired debit-credit transaction with deterministic verification.
Zero Downtime Engine
Distributed event-driven architecture deployed across multi-region active-active clusters with instant partner failover.
Security by Design
Security is embedded into every layer of PayFlow. Built to institutional banking standards to safeguard your transactions, customer data, and treasury.
Cryptographic Data Protection
All sensitive financial data is protected with AES-256-GCM encryption at rest and TLS 1.3 in transit. Master keys are sealed inside FIPS 140-2 Level 3 Hardware Security Modules (HSMs).
Logical Tenant Isolation
Strict multi-tenant partitioning ensures complete isolation across customer databases, API keys, and ledger transactions with zero cross-tenant visibility or leakage.
Webhook & API Authenticity
Every outbound event and inbound request is validated through cryptographic signatures, preventing replay attacks, request tampering, and unauthorized callbacks.
Immutable Audit Trails
Every administrative action, balance adjustment, and API call creates a permanent, append-only audit record streamed to redundant SIEM monitoring nodes.
Integrate in Minutes, Not Months
Connect via official type-safe SDKs or direct REST APIs. Authenticate with your API key and secret key to start accepting payments and settling funds in minutes.
Unified API Access
Every integration uses a dual-credential security architecture: your public API Key identifies the account, while your Secret Key securely signs transactions.