Platform
Singular Platform, Expansive Ways to Pay
We designed the PayNow™ Platform to meet your business’ unique disbursement needs
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Instant Payouts
Pay Recipients Directly (Cash Equivalent)
Originator
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Authenticate the recipient and initiate a payout within your native workflow or UI.
Recipient
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Instant payouts are immediately activated and available in your UI for a fully-branded, white-label experience.
Digital Credits
Pay After Qualifying Transaction (Controlled Spend)
Originator
Authenticate the recipient and trigger a digital credit allocation based on service criteria.
Qualifying Merchant
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Recipient completes a qualifying transaction at a designated merchant or service location.
Recipient
After the transaction is verified, funds are released directly to the recipient’s preferred card or account.
Pay with Points
Pay to Reward Loyalty (Controlled Spend)
Qualifying Merchant
Recipient initiates a qualifying purchase at a participating merchant.
Points Bank
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Available points are validated and converted to a statement credit or reward value.
Recipient
Redemption is completed automatically, with funds applied to their account or card in real time.
Solutions
Instant Payouts
(Cash Equivalent)
Pay your customers Instantly with complete control
Originator
Recipient
Disbursement Method
Funds are transferred directly to a recipient's account of choice.
Funds available 24/7/365
Domestic or Cross Border
Domestic or Cross Border
Supported Networks
Example Industries & Use Cases
Service recovery
Instant loan funding
Wallet to account transfers
1099 disbursements
Compensation
Incentives and rewards
Send
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Send via turn-key console or REST API
RBAC, SSO, and custom user rules
Built-in disbursement approval workflow
Real-time transaction data and reporting
Flexible programmatic controls and metadata
Receive
Branded email and SMS delivery
White-label, turn-key claim flow
OCR Card scanning and validation
Automatic deposit and payee profile
Identity verification
Solutions
Digital Credits
(Controlled Spend)
Automatically reimburse your customers when they spend at a qualifying merchant location or category
Originator
Recipient
Disbursement Method
Funds are transferred directly to a recipient's checking account via debit or reloadable prepaid card
Funds available 24/7/365
US Only
US Only
Supported Networks
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Example Industries & Use Cases
Airline and hospitality vouchers
Customer or employee rewards
Insurance reimbursements
Customer incentives
Casino rewards and incentives
Send
Send via turn-key console or REST API
Define redemption locations or MCCs
RBAC, SSO, and custom user rules
Real-time transaction data and reporting
Flexible programmatic controls and metadata
Receive
Branded email and SMS delivery
White-label, turn-key claim flow
Instant redemption notifications
Flexible redemption locations
Card management
Solutions
Pay with Points
Enable your customers to redeem points for cash on everyday purchases
Originator
Qualifying Merchant
Points Bank
Recipient
Disbursement Method
Funds disbursed via statement credit to linked credit or debit card in exchange for loyalty points.
Funds available 24/7/365
US Only
US Only
Supported Networks
Example Industries & Use Cases
Credit and debit cards
Payroll cards
Reloadable prepaid
Co-brand cards
Marketplaces
Send
Enroll customers via REST API
Define redemption locations or MCCs
Built-in disbursement approval workflow
Real-time transaction data & reporting
Receive
Branded email and SMS delivery
White-label, turn-key claim flow
Instant redemption notifications
Flexible redemption locations
Card Management via API
