P2P & H2H software
Trader panels, order automation, payment reconciliation.
Modern Treasury
Modern Treasury is a payment operations system, an operating system for moving money, with direct host-to-host and API integrations to banks, a ledger and…
Kyriba
Kyriba is a global platform for liquidity management, payment factories and direct host-to-host and API bank connections. Founded in 2000, it operates from San…
Embat
Embat is a cloud platform that automates bank connectivity (H2H and Open Banking APIs), payment orders and AI-based statement reconciliation. It has offices in…
Bottomline Technologies
Bottomline Technologies is a software provider for interbank settlement automation, the Paymode-X network, SWIFT and host-to-host gateways, and transaction…
Cobase
Cobase is a cloud platform for multi-bank connectivity that brings Host-to-Host SFTP, SWIFT, EBICS and bank APIs into one place. It is based in Amsterdam…
Atlar
Atlar is a modern API and H2H platform for treasury operations automation, mass payouts and direct connectivity with banks. It was founded in 2022 and works in…
AccessPay
AccessPay is a payment automation platform and managed Host-to-Host (H2H) connectivity service that links ERP and back-office systems to banks worldwide. It is…
Swan
Swan is a European embedded banking platform, founded in 2019 and operated by SWAN SAS, a French electronic money institution authorised by the ACPR, with its…
Nium
Nium is a financial infrastructure provider that offers cross-border payouts, currency conversion and card issuing through one API. It operates through…
Moov
Moov is a US software provider of payment infrastructure for receiving and sending money and embedding payments inside applications. Founded in 2020 and based…
LHV Bank
LHV Bank is a UK bank that provides payment infrastructure to financial intermediaries, fintechs and crypto platforms. The wider LHV group operates between…
Cross River
Cross River is a US bank, Cross River Bank, that combines banking services with API infrastructure for payments, accounts, lending and card issuing. Its…
Column
Column is a US chartered bank, Column N.A., that gives developers banking infrastructure for payment products, accounts and card programmes. It was founded in…
ClearBank
ClearBank is a clearing and infrastructure bank founded in 2015, with offices in London and Amsterdam. It operates through ClearBank Limited and ClearBank…
Increase
Increase offers APIs for holding and moving money, issuing cards and automating banking operations. It was founded in 2020 and is headquartered in San…
Griffin
Griffin provides regulated banking infrastructure for embedded accounts, savings and payments. The legal entity is Griffin Bank Ltd, an England and Wales…
Decentro
Decentro is an Indian financial infrastructure company, founded in 2020, that provides APIs for payments, banking integrations and onboarding. It is a…
Banking Circle
Banking Circle is a licensed technology bank for payment service providers, banks and other institutions, founded in 2015 and operating from Luxembourg, London…
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.