Local-first payment infrastructure for global digital businesses
Stage
Not given
Startup
Founded
Not given
2025
Based in
IL
HK
Pricing model
Not given
Paid
Pricing
Not given
US-issued cards from 2.5% + US$0.30 per transaction; cards issued outside the US from 4.0% + US$0.30 per transaction; local payment methods from 1.2%; US$0 setup fee, US$0 annual fee, no minimum monthly billing.
Key features
Personalized financial insights and recommendations based on customer transaction data
Transaction Intelligence that creates unified financial context across banking channels
Banking Console for relationship managers to identify and prioritize customer engagement
AI governance and full-lifecycle model management
Spending pattern analysis and cash flow intelligence
Enterprise-grade secure infrastructure for banking environments
Integration with core banking systems and Open Banking data
Engage Suite for personalized customer experiences across digital channels
Enterprise Studio for designing and activating customer journeys
Global card acquiring with direct connection to major card networks
Support for 150+ local payment methods including UPI, Pix, MoMo, Alipay and WeChat
Subscription and recurring billing management
Mass payouts to 50+ markets with minimum fee of 0.1 USD
Multi-currency wallet and settlement
USD virtual card issuing for advertising and AI subscriptions
24/7 multilingual customer support
Local payment settlement as fast as T+1 in selected markets
What makes it different
Reaches over 150 million monthly banking users, enabling massive scale for financial institutions
Transforms transaction data into actionable financial intelligence using AI and machine learning
Enables banks to drive measurable business outcomes including deposit growth and customer engagement
Serves hundreds of financial institutions globally from major banks to community credit unions
Proven track record with leading global banks including BMO, Santander, Huntington, and KBC
Local payment methods reach 90% coverage in target markets with localized interfaces
Dispute resolution 50% faster than traditional providers
Fee reduction of 30-50% through transparent pricing and volume-based rates
Capital efficiency improvement of 3-5x with fast local settlement
98% payout success rate with direct connection to local clearing systems
Personetics
HaiPay