P2P & H2H software
Trader panels, order automation, payment reconciliation.
TIS
TIS is a cloud platform for corporate B2B and H2H payments, bank connectivity and protection against payment fraud. The company was founded in 2010 and works…
Tink
Tink is a European platform for direct bank payments (Pay by Bank) and account verification, connecting more than 6,000 banks. The company was founded in 2012…
Yapily
Yapily provides pure API infrastructure for Open Banking, in white-label or headless form, for direct account-to-account (A2A/H2H) payments and data…
Token.io
Token.io is an infrastructure platform for Pay by Bank (A2A) that gives PSPs and banks white-label access to more than 5,000 banks across Europe. It was…
Mastercard Send / Mastercard Move
Mastercard Send / Mastercard Move is the Mastercard Move platform for instant P2P transfers and global payouts, combining Mastercard Send and the Cross-Border…
Fin.do
Fin.do is a platform for instant cross-border card-to-card and P2P transfers in more than 150 currencies without hidden double conversion. It was founded in…
Ivy
Ivy is a global API for instant bank payments and payouts with built-in conversion between stablecoins and fiat. Founded in 2021, it is based in Berlin and…
Banked
Banked is a Pay by Bank (account-to-account) network that, according to the company, lets PSPs and merchants accept instant bank transfers at a low cost. It…
Electrum
Electrum is a cloud-native platform for processing instant P2P and A2A payments (PayShap, RTC, EFT) and digital vouchers for banks and retail. The company is…
Icon Solutions
Icon Solutions is a developer of the low-code IPF framework for the fast assembly of host-to-host and real-time payment systems. It was founded in 2009 and is…
Form3
Form3 is a cloud-native platform for connecting to national real-time payment schemes, including Faster Payments, SEPA, FedNow and TCH RTP. It was founded in…
Kevin.
Kevin. is a payment infrastructure company for account-to-account payments made directly between bank accounts, whether on the web, in mobile apps or at…
Finverse
Finverse is an open banking infrastructure for the Asia-Pacific region, covering bank statement automation and payments. It was founded in 2020 and operates…
Brankas
Brankas is a software provider for open finance, direct account-to-account and host-to-host bank transfers and instant payouts in Southeast Asia. It was…
Lean Technologies
Lean Technologies is an open banking and instant account-to-account payments infrastructure, also known as Pay by Bank, serving the Middle East and North…
Khipu
Khipu is a Chilean developer of bank transfer automation technology, offering simplified A2A and P2P transfers through an assistant terminal. Founded in 2012…
Belvo
Belvo is an Open Finance and direct bank-payment initiation infrastructure for Latin America, covering Pix, AutoPix, PSE and SPEI. It was founded in 2019 and…
Fintoc
Fintoc is a platform for instant interbank payments (account-to-account, or Pay by Bank) and automated reconciliation in Latin America. It was founded in 2020…
Related subsections
Software behind P2P processing
P2P processing depends on software that matches a customer's payment to a trader's card, phone number or account in seconds. This subsection lists vendors of white label P2P platforms, H2H processing software and tools that automate the work of traders and teams. They sell technology; the payment flows, traders and liquidity remain the operator's responsibility.
Typical modules
- Merchant API and H2H: create pay-in and payout orders, callbacks, status checks.
- Trader panel: requisites (cards, SBP, UPI IDs), limits, balance, insurance deposit tracking.
- Order distribution: rules by amount, bank, method and trader rating; timeouts and reassignment.
- Payment confirmation: parsing of bank SMS or push notifications, statement uploads, manual review queue.
- Appeals and disputes: evidence upload, freeze handling, chat between operator and trader.
- Settlement: USDT accounting, team commissions, reconciliation reports.
What to check before buying
- Supported payment methods and banks in your GEO, e.g. UPI, SBP, bKash.
- Accuracy of automatic matching and how unmatched deposits are handled.
- Delivery model: SaaS, white label with your domain, or source code licence.
- Security: role access, audit log, 2FA, protection of trader credentials.
- Load: orders per minute and behaviour at peak hours.
- Who supports the system at night and in your time zone.
Neighbouring hubs
H2H processing providers often run this kind of software themselves. For settlement, look at stablecoin settlement and OTC desks; for compliance tooling, AML & KYT. Use the country filter, check Offers for licence terms and post a request if you need a custom build.