Smarter payment solutions start here.

By combining powerful performance with a sleek, modern interface, Payrailz has created an experience that goes beyond user expectations. From voice interactions to mobile functionality to “do it for me”, Payrailz delivers intuitive, intelligent and elegant solutions for both consumers and businesses.

Consumer Solutions

  • Smart Pay

    Smart Pay is a new generation of electronic bill presentment and payment with all the features you’ve grown to expect from a bill-pay solution plus the ability to interact conversationally with digital assistants and messaging bots. Our AI-driven capabilities alleviate the stress of making payments by delivering insights about your bills and payment accounts.

  • Bill Pay

    Our forward-thinking electronic bill presentment and payment experience offers the beautiful design, ease of use and security needed to engage customers. View your billing information and pay anyone with a choice of delivery times – emergency/immediate, same day, next day, future date, recurring schedule or simply “set it and forget it” with our auto-pay capabilities – and payment methods.

  • Person Pay (P2P)

    Person Pay enables frictionless digital payment experiences between consumers. It provides the freedom to send, request and split money electronically with friends, family or any individual with an account at a financial institution in the United States – simply by providing their email address or mobile phone number. Payments can be delivered in real time, same day, next day, or on a future date.

  • External Transfers (A2A)

    Responding to consumer expectations requires being able to facilitate transactions across any banking relationship. This service lets consumers transfer money between accounts at your financial institution and accounts they hold at other financial institutions in the United States. With our advanced authentication solutions, you can rest assured that transfers are delivered accurately and securely. Transfers can be delivered in real time, same day, next day, on a future date or a recurring schedule.

  • New Account Funding

    With our advanced authentication and account funding solutions, you can rest assured that new account opening deposits are delivered accurately and securely so you can reduce your operating costs and lower abandonment rates.

Business Solutions

  • Business Smart Pay

    Business Smart Pay is a new generation of electronic bill and invoice presentment and payment with all the features you’ve grown to expect from a business bill pay solution plus the ability to interact conversationally with digital assistants and messaging bots. Our AI-driven capabilities can improve your cash flow and deliver insights about your invoices and payment accounts.

  • Business Bill Pay

    Businesses need smarter payment solutions that allow them to spend less time on their finances and more time on their business. Payrailz Business Bill Pay’s intuitive design makes interactions for bill and invoice presentment and payment simple and engaging. Businesses can establish user entitlements, view their billing information, make one-time, future-dated, recurring and automatic payments, as well as invoice payments to their business partners – or anyone they need to pay.

  • Customer Pay (Disbursements)

    Customer Pay enables frictionless digital payment experiences between your business clients and their customers. It provides them the ability to disburse payments electronically to their customers holding accounts at financial institutions in the United States – simply by providing an email address or mobile phone number. Payments can be delivered in real time, same day, next day, or on a future date.

  • External Transfers (A2A)

    Responding to your business clients’ expectations requires being able to facilitate transactions across any banking relationship. This service enables your businesses to move money between accounts at your financial institution and accounts they hold at other financial institutions in the United States. Transfers can be delivered in real time, same day, next day, on a future date or recurring schedule.

  • New Account Funding (A2A)

    Make getting started with your financial institution as easy as possible with solutions like New Account Funding, which allows businesses to fund newly opened deposit accounts from checking and savings accounts they hold at other financial institutions in the United States. With our advanced authentication solutions, you can rest assured that transfers are delivered accurately and securely.

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