Payall Payment Systems

Name

Payall Payment Systems

Legal name

Payall Payment Systems, Inc.

Website

https://payall.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Cross-Border Payments Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Cross-border payments infrastructure
• Banking software platform
• Payment orchestration software
• Compliance automation fintech
• Correspondent banking technology

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Infrastructure Software Licensing: Payall provides enterprise-grade B2B infrastructure software to financial institutions, charging for access to its platform capabilities including compliance automation, payment orchestration, and disburser tools. Multiple deployment options include white-label apps, API integration, Treasury Pay, and custom constructs for correspondent banks.
2. Transaction Processing Fees: Revenue generated from payment processing across the platform, with capabilities reaching approximately 90% of the world's adult population through various payment channels and corridors.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Payall Payment Systems provides purpose-built global banking infrastructure software for cross-border payments, automating compliance, risk management, and payment orchestration for financial institutions. The platform serves originating institutions (banks, credit unions, EMIs, brokerage houses), clearing institutions, central banks, and payment channels with multiple deployment options including white-label apps, API integration, Treasury Pay, and custom constructs.

Product overview

Payall Payment Systems offers a comprehensive Global Banking Infrastructure Platform that enables financial institutions to provide institutional-grade, safe, fast, low-cost, transparent, and inclusive cross-border payments. The platform consists of Compliance & Risk Automation (including XB Precision KYT, XB Perpetual KYC, XB Click for KYCC, XB Qualifying and Boarding, and XB Consent), Payment Orchestration (featuring XB Compliance Connector, XB Universal Payment Account, XB Secure Funding, XB Foreign Exchange and Global Liquidity, XB Last-Mile Switching & Delivery, XB Transaction Monitoring, XB Smart Payment Routing, XB ID Tokenization, and XB Global Directory Service), the XB Universal Payment Account as a modular utility, and Disburser Tools with white-label end-user apps. The platform covers approximately 130 countries with bank transfers in 40+ countries in real-time, supports 90+ foreign currencies, and reaches 90% of the world's adult population through various payout channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Payall Global Banking Infrastructure Platform Purpose-built banking infrastructure that eliminates pain points across the entire cross-border payment ecosystem, automating risk, compliance, and operating tasks and orchestrating complex multi-currency payments for financial institutions.
• Compliance & Risk Automation Suite of automation products that automates data and document collection and applies risk rules before payment execution, including XB Qualifying and Boarding, XB Consent, XB Precision KYT, XB Click for KYCC, and XB Perpetual KYC.
• Payment Orchestration Harmonizes manual functions with capabilities including XB Compliance Connector, XB Universal Payment Account, XB Secure Funding, XB Foreign Exchange and Liquidity, XB Last-Mile Switching & Delivery, and XB Transaction Monitoring.
• XB Universal Payment Account (XB UPA) True double-entry account serving as a core account for cross-border fund sending or receiving deposits, similar to a U.S. Federal Reserve Master Account, supporting subledgers for disbursers and receivers with cascading parent/child constructs.
• Disburser Tools (End-User Apps) Self-service disburser tools with white-label end-user apps enabling individuals and businesses to send and receive cross-border payments, with features including pay one or pay many, multiple payout options, and intuitive self-service interfaces.
• White-Label Apps No-tech, turnkey deployment option for financial institutions to get live quickly with branded disburser apps, with customized UX/UI for the financial institution and optional handling of due diligence, customer boarding, and payment initiation.
• Treasury Pay Deployment option for institutions with existing correspondent banks; replaces the current correspondent banking interface without changes to existing UX/UI, core system, or APIs.
• Your Construct, Our Software White-label deployment option for financial institutions supporting global correspondent banks, their own FX, and preferred payment rails; harmonizes correspondent banking operations by configuring and automating compliance and risk rules for every jurisdiction.
• FedNow Service Support Payall's capability as a service provider on the Federal Reserve's FedNow instant payment rail, enabling U.S. deposit institutions to access fast, easy, low-cost, and safe instant payment capabilities.

Quantifiable outcome

• Payments processed in milliseconds (vs. days/weeks for traditional correspondent banking)
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability7 records

Feature15 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Federal Reserve (FedNow Service)coreTechnology or Integration · 16 September 2025Payall completed multi-step customer testing and certification to become a service provider on the FedNow instant payment rail. This enables Payall to offer U.S. deposit institutions fast, easy, low-cost and safe access to the FedNow Service, supporting instant payment capabilities for financial institutions across the country.
• Monex USAcoreGTM or Marketing Partner · 4 February 2025Referral partnership for global B2B payments enabling Monex USA to offer Payall's cross-border payment infrastructure to their customers requiring international payment capabilities.
• TranscardminorStrategic or Co-development PartnerIntegration partnership with Transcard for cross-border payment capabilities. Transcard is a payments technology company.
• MastercardcoreTechnology or IntegrationPayall connects to Mastercard Cross-Border Services providing single point of access to global payout network. Collaboration with PXP and Mastercard to solve cross-border payment pain points.
• PXP FinancialcoreStrategic or Co-development PartnerCollaborative partnership including Mastercard to solve cross-border payment challenges. PXP provides payment processing expertise and Payall provides infrastructure capabilities.
• The Payments AssociationcoreStrategic or Co-development PartnerCollaborated on 'Navigating the Next Wave of Cross-Border Payments' whitepaper. Payall contributes expertise to Cross-Border Payments Working Group developing industry insights.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• SWIFT (gpi): SWIFT gpi is the dominant cross-border payments messaging and tracking standard used by 11,000+ institutions globally. Payall is positioned as a modern orchestration alternative to the SWIFT correspondent-banking model that gpi has improved but not replaced.
• Visa Direct: Visa Direct is Visa's real-time push payments platform for cross-border P2P, P2B, and B2B disbursements across billions of endpoints. Payall actually integrates with Visa Direct, but Visa Direct competes with Payall wherever FIs choose a network-led orchestration solution.
• Mastercard Move (Cross-Border Services): Mastercard Move / Cross-Border Services is Mastercard's cross-border payments platform reaching 200+ markets. Payall is both an integration partner and a competitor, making Mastercard a critical benchmark for FI-side cross-border orchestration.

Direct peers

• Nium: Nium is a global cross-border payments infrastructure provider offering real-time payouts to 200+ markets via APIs. Like Payall, it targets FIs and platforms needing multi-currency, multi-rail cross-border orchestration — making it one of the closest direct competitors.
• Wise Platform: Wise Platform offers banks and enterprises access to Wise's cross-border infrastructure under their own brands. Directly comparable to Payall's white-label B2B deployment model for regulated FIs and a key competitor in the embedded cross-border space.
• Thunes: Thunes operates a global payments network enabling FIs, mobile wallets, and corporates to send cross-border payments to 130+ countries. Comparable to Payall in its focus on FI-side cross-border infrastructure and broad last-mile coverage.
• TerraPay: TerraPay provides cross-border payments infrastructure connecting banks, mobile wallets, and remittance operators across 100+ receiving countries. Directly comparable in target customer (FIs and payment channels) and last-mile payout model.
• Currencycloud (Visa): Currencycloud, now owned by Visa, provides cross-border payments APIs for FIs and fintechs. Competes with Payall in the B2B infrastructure layer for multi-currency payouts and FX.
• Ripple: Ripple provides cross-border payments infrastructure for banks and payment providers, including RippleNet messaging and stablecoin-based settlement via RLUSD. Competes with Payall for FI customers seeking faster, lower-cost cross-border rails.

Emerging players

• Circle: Circle provides USDC-based cross-border settlement infrastructure to FIs and corporates. While emerging/stablecoin-led rather than correspondent-led, Circle represents a competing approach to cross-border payments that Payall explicitly addresses in its own DeFi whitepaper.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/payallps
• LinkedInlinkedin.com/company/payall-payment-systems

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds3 records

Investors12 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Payall Payment Systems