P2P-Lab / Pay2Me Software

P2P-Lab / Pay2Me Software is modular software for automating Host-to-Host (H2H) and card-to-card (C2C/P2P) transactions without a redirect, with payments distributed across receiving details. The company dates to 2018 and is based in Riga, Latvia.

Components Listed products are Host-to-Host Direct API, C2C/P2P Routing, an Automated Callback and Webhook Engine, and Cascading across Providers. The company states that payments can be made directly in the merchant's interface (H2H), so the payer does not move to a third-party domain. Cascading lets traffic fall through to another provider when the first one declines or fails.

Target segments The stated verticals are high-risk PSPs, iGaming, forex and aggregators. The geography covers Europe, the CIS, Asia and Latin America.

Commercial terms The software is available under a licence or for a per-transaction fee. Fee levels, licence structure and the list of supported providers are not published. Operators in regulated or high-risk categories should clarify how the product handles reconciliation, dispute flows and the compliance obligations that remain with the operator.