Home › Products
The stack

Six products,
one rail.

Pay-ins, routing, payouts and crypto on/off-ramp are the story we tell everywhere. Card issuing and multi-currency IBANs are the two we've never named on this site — until now. All six run on the same integration.

01 — Pay-ins

Accept the way
each market pays.

Pay-ins are the front door: whatever a customer uses to pay — a card, a bank transfer, a local wallet, a stablecoin — arrives through one integration rather than a different connection per method. Coverage runs to 73 markets, each added on its own terms: Visa and Mastercard where the network supports them, Open Banking and iDEAL across Europe, PIX in Brazil, Fawry in Egypt, mobile money across parts of Africa.

A checkout built around a single method quietly turns away customers who don't hold it. Pay-ins solves that by adding the rails a market actually uses, rather than asking every customer worldwide to adapt to a card form — the result shows up as a higher share of attempted purchases actually clearing, market by market.

Landmarks across every world region connected by payment routing paths
02 — Smart routing

Sent to whoever's
best placed to say yes.

Smart routing is the part of the stack that decides where a transaction actually goes. Each attempt is scored and sent to the acquirer with the strongest record for that traffic, rather than down a single fixed rail regardless of fit — one acquirer underwrites a market well, another doesn't, and routing is how that difference stops costing you approvals.

This is routing, not recovery. A transaction is scored and sent once, to the best-fit path, before it authorizes — we do not resubmit a declined transaction hoping a second attempt clears. Automatic retries on declines read as exactly the kind of transaction laundering acquiring banks screen for, and it isn't something we do or offer.

Payment inputs routed through smart approval into cleared payments
03 — Payouts & disbursements

Money moves
the other way, too.

Payouts run in the other direction: money out to sellers, creators, partners, talent or suppliers, scheduled or triggered on demand. A platform paying a handful of vendors and one paying thousands of creators use the same integration — the difference is volume, not a different product.

Any method, any market: a payout lands through whatever rail the recipient's own market supports, in their own currency where that's available, rather than forcing every recipient onto the same disbursement method regardless of where they actually bank. Because payouts run on the same connection as pay-ins, both sides reconcile together, on one report.

Mass payouts and disbursements routed to recipients worldwide
04 — Crypto on/off-ramp

Fiat and tokens,
both directions.

Crypto on-ramp and off-ramp move a business between fiat and tokens in both directions: card or bank pay-ins convert into crypto, and the reverse pays fiat out from a token balance. Stablecoin settlement — USDC, USDT — is available as an alternative to fiat settlement where that suits the business better.

This sits alongside the standard pay-in and payout rails rather than replacing them. A platform can accept a card payment from one customer and a stablecoin payment from another, on the same integration, with both settling through the same reconciliation — and on-chain payouts follow the same logic, sent directly to a wallet.

Fiat and crypto flowing in both directions through one settlement layer
05 — Card issuing

Put a card in
someone else's hands.

Card issuing puts a card — physical or virtual — in someone else's hands: a customer, a staff member, a partner. It's funded and controlled from the same account as the rest of the stack, the payout direction turned into a card rather than a bank transfer or wallet credit.

We place issuing programmes across a range of providers rather than routing every business through a single issuer, so a programme is matched to the business rather than the business squeezed into whichever one issuer's appetite and geography happen to allow. Where a business already holds its own BIN or an existing issuing relationship, we can work with that directly rather than asking it to start over.

This is a newer part of the stack, and availability is not blanket: issuing depends on the business profile and the jurisdiction involved, reviewed the same way any other product is — case by case, not assumed as a default everywhere pay-ins or payouts already run. Talk to us about what fits, rather than assuming a card programme is live in every market from day one.

Physical and virtual cards issued outward to customers, staff and partners
06 — Multi-currency IBANs

A dedicated account
of your own.

Multi-currency IBANs are dedicated account numbers for collecting money directly — a business gets its own IBAN per currency, rather than only ever receiving funds indirectly through a processed transaction. It's the collections version of the same underlying rail: money still lands in one place, reconciled the same way.

This is aimed at collections that don't look like a typical checkout — recurring B2B invoices, marketplace float, treasury operations — where a business benefits from holding a dedicated account number a payer can send to directly, in the currency that fits.

As with issuing, availability depends on business profile and jurisdiction and is reviewed individually rather than promised everywhere. Talk to us about whether dedicated IBANs fit your collection flow and which currencies apply to your business.

Dedicated multi-currency account numbers collecting inbound payments
How it fits together

Six products.
One integration.

Every product above runs on the same underlying connection. A business doesn't integrate pay-ins, then integrate payouts separately, then bolt on crypto or issuing as a fourth and fifth system — one integration reaches all of it, and what a business actually uses depends on what it needs, not what's technically separate.

One reconciliation

Collection, routing, payout, on-chain activity, issued-card spend and IBAN activity — whichever combination a business runs — settle through one report rather than several matched by hand.

Add as you grow

Most businesses start with pay-ins and routing, add payouts once they're disbursing to more than a handful of recipients, and bring in crypto, issuing or IBANs when they need them. Nothing has to be bought in full upfront.

Questions

Products — FAQ.

Do I need to integrate separately for each product?

No. One integration reaches pay-ins, routing, payouts, crypto, and — where available — card issuing and multi-currency IBANs. What a business uses is a configuration decision, not a separate build.

Is routing the same as retrying a declined transaction?

No. Routing scores and sends each transaction once, to the acquirer best suited to clear it, before it clears. We don't resubmit declined transactions and don't offer decline recovery.

Is card issuing available for my business?

It depends on your business profile and jurisdiction, and we place programmes across a range of providers rather than one — talk to us and we'll confirm what's available, including whether we can work with a BIN you already hold.

Are multi-currency IBANs available for every business?

Availability depends on business profile and jurisdiction, reviewed case by case rather than guaranteed everywhere pay-ins run. Talk to us about your specific collection needs.

Do pay-ins and payouts cover every market the same way?

Coverage runs to 73 markets by local method — see the coverage hub for what applies where. Card issuing and IBAN availability are narrower and reviewed individually.

Can I start with one product and add more later?

Yes. Most businesses start with pay-ins and routing and add payouts, crypto, issuing or IBANs as they need them, on the same integration.

Talk to us about your stack.

Tell us which products fit your business and where your customers, recipients or accounts need to be. We'll confirm what's available and how it fits together.

Talk to us