Railpays

Omni-Channel Banking Platform

Redefining what is possible

We are helping banks move closer to their customers and deliver new Fintech products to the right customers at the right time. Our Digital Banking platform and integration layer supports banks in their digital transformational journey faster than even their Fintech competitors.

FLEXIBILITY

Program Examples

QR Payments

Payment acceptance using QR codes (Static, Dynamic, Branded and Unified scheme QR). With our platform you can now become the Rails and charge merchants a fee.

Virtual Cards

Single and multiple use virtual cards with multi-currency cards integrated with FX to allow currency matching between POS and BIN.

Loyalty Cards

Issue loyalty cards with earn and burn capability. Customer can pay with their card and top up with points if the card does not have sufficient funds all pre-configured by the customer in-app.

Parent Child

With individual or shared balances you can issue parent / child cards or Director / employee. Our rules engine allows the creation of unique rules to ensure a child or employee cannot abuse their cards.

Delight Your Customers

Omni-channel is much more than just providing multiple ways for customers to transact. It is about a seamless and consistent interaction between customers and their financial institutions across multiple channels. While multichannel is focused on transactions, omni-channel focuses on interactions.

By integrating various banking channels, banks can collect a wealth of customer data that provides valuable insights into customer behavior, preferences, and needs. This data can be leveraged to improve marketing strategies, product offerings, and customer support, leading to a more targeted and effective approach to customer engagement.

PSI Compliant
Our systems work to the highest standards including ISO (20022)
Financial Wellness
We deliver financial wellness by educating our customers and making it easier for them to manage their finances.

WHY CHOOSE US

Flexible Payment Processor

Freedom to design and launch digital payments products with unmatched speed in any form, any way, and to anyone. Our in-market presence in Asia, Australia, Europe, South America, North America and India will support your global ambitions.

Super App

Launch your own Super App tailored to your bank and market within months not years. With a number of sticky features customers use our apps daily allowing banks to build on customer relations with intelligent data.

System of Record

Universal payment authorization and settlement across any fiat, Gold, Loyalty Points, or any other value unit.

Digital Wallets

We provide banks with company data in the format required to provide faster decisions and deliver new lending products to SME's.

SME Ecosystem

Fast-to-market financial offerings across deposits, credit, and savings with boundless product configurability.

FRAUD PREVENTION

Risk Engine Drive
by Preset Rules

Our Fraud prevention technology enables each program to establish specific preset rules for authorisation and blocking of payments. These can be established based on KYC status by tier or customer.

65+

Avarage Program Preset Rules

FLEXIBILITY

Program Examples

Managing Feeds

• Flexible fee config (e.g. trnx type/volume, CCY, fixed amount or age, sender or receiver, 1x/recurring)
• Multiple fee plans, assigned to customer tiers and/or per customer
• Versatile FX conversion margin setting by buy/sell CCY and CCY pairs

Report Analytics

• Built in reconciliation and account management reports
• Flexible time zones, settlement periods and cutoff setting management
• Add-on C4 database designed specifically for extensive reporting and data analysis

Managing Digital Wallets

• Multi-level hierarchy
• Multiple wallets per account
• Single currency
• Multiple currencies
• Reward/loyalty
• Gold
• Corporate
• Parent Child

Processing Transactions

• Flexible fee config (e.g. trnx type/volume, CCY, fixed amount or age, sender or receiver, 1x/recurring)
• Multiple fee plans, assigned to customer tiers and/or per customer
• Versatile FX conversion margin setting by buy/sell CCY and CCY pairs

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