The network institutions query to execute payments

Merchants register once. Every institution on the network can reach them instantly.

payware is the neutral resolution layer connecting merchants and payment institutions. When a customer pays, their institution queries payware to resolve the transaction - returning merchant name, amount, currency, and the optimal merchant bank account for the querying institution. No card networks. No middlemen. Just direct account-to-account payments at 0.5% fees, initiated through 7 innovative methods.

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3-minute signup. Instant sandbox access.

Built for everyone in payments

Universal infrastructure serving institutions, merchants, ISVs, and developers

For Payment Institutions

Query the network to execute A2A payments. You keep full control of authentication, approval, and funds movement - payware handles transaction resolution.

For Merchants

Register once, accept payments from customers at any institution on the network. Fees as low as 0.5% with instant settlement.

For ISVs

Embed payment infrastructure into your platform and enable your customers to accept payments across the entire network.

For Developers

Build on the open standard with comprehensive APIs, SDKs, and AI-native integration tools.

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The power of exponential network value

Every merchant registered with payware is reachable by every institution on the network - without bilateral agreements or custom integrations. Each new institution adds value for all existing merchants. Each new merchant creates a reason for every institution to participate.

Geometric network nodes growing in density from left to right, illustrating how each new participant in the payware network exponentially increases connections and value for all.

Payment experiences that feel like magic

Every interaction method delivers the same transaction ID that any institution can resolve

Soundbite

Payment triggers via audio broadcast - enabling new sales channels through media, movies, radio, and live events. Purchase featured products instantly while consuming audio content.

QR & Barcode

Instant scanning for seamless in-store and online payments

Text & Link

Instant payment from banners, conversational commerce via messaging, and delegated payments through shareable links

NFC & BLE

Tap-to-pay convenience with instant authentication and truly contactless fast checkout through proximity payments

Seven different ways to initiate a payment. One protocol to resolve it. Any institution on the network can execute it.

How the resolution layer works

payware four-step transaction resolution process: initiation, resolution, authorisation, and execution

1. Initiation

Merchant generates a transaction ID via any of 7 methods: QR, NFC, BLE, soundbite, text, link, barcode

2. Resolution

Customer's institution queries payware with the transaction ID - payware returns merchant name, amount, currency, and the optimal merchant bank account for that institution

3. Authorisation

Institution presents payment details to the customer. Customer authenticates with their institution's SCA - payware never touches this step

4. Execution

Institution executes the direct account-to-account transfer. Funds move immediately between institutions

Infrastructure built to be depended on

Global Reach

Fully developed technology available worldwide

Domestic Focus

Optimised for where most payment value flows

7 Initiation Methods

QR, NFC, BLE, soundbite, text, link, barcode - all resolving through one protocol

AI-Native Integration

Model Context Protocol for natural language payment operations

Bank-Grade Security

Reversed information flow - no sensitive data exposed at point of initiation

Merchant Registry

Every registered merchant strengthens the network - and the reason for every institution to connect

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