P2P & H2H software
Trader panels, order automation, payment reconciliation.
Brite Payments
Brite Payments is an instant bank-payment network from Sweden, headquartered in Stockholm and operating since 2019. It is described as a second-generation…
Currencycloud
Currencycloud is a cloud B2B platform for embedded cross-border accounts, currency conversion and local or SWIFT settlement. It was founded in 2012, is…
Dwolla
Dwolla is a US bank-transfer platform founded in 2008 and based in Des Moines, Iowa. It offers programmable account-to-account (A2A) and person-to-person…
GoCardless
GoCardless is a London-based provider of bank debit and instant bank payments, founded in 2011. It collects one-off and recurring payments account to account…
Noda
Noda is a platform for instant open banking account-to-account payments, payment cascading and AI-based user analytics, built for high-conversion verticals. It…
Ozow
Ozow is a South African platform for automated instant bank-to-bank payments, covering Automated EFT, account-to-account transfers and P2P. It was founded in…
Plaid (plaid.com)
Plaid (plaid.com) is a bank connectivity and payments infrastructure company founded in 2013 in San Francisco. It links bank accounts, moves money account to…
Stitch
Stitch is a payment infrastructure provider and orchestrator for Africa, founded in 2019 in Cape Town. It specialises in Pay by Bank (instant EFT), PayShap…
Thunes
Thunes is a B2B infrastructure for international payouts used by banks, PSPs, platforms and wallets. Through a single connection, it delivers payouts to bank…
TrueLayer
TrueLayer is a London-based open banking platform, founded in 2016, for instant bank-to-bank payments and payouts. The company describes itself as a European…
Volt
Volt is a London-based payments orchestrator, founded in 2019, built on real-time account-to-account payments. According to the company, it connects SEPA…
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.