Connecting Every Rail — Across Every Network
Buyers, suppliers, payment processors, and issuers move money across different payment rails —
systems that rarely speak the same language.
Payvaro bridges the gap with an AI-powered, open-loop network that learns,
adapts, and routes every transaction through the fastest, most efficient path.
Tracks That Don’t Connect
ACH, wire, card, RTP — each runs on its own network, with unique rules and standards.
Money can’t move freely between them.
Every time a payment crosses a boundary, it must stop, be re-initiated on a different system, and re-routed — creating friction, delays, and cost.
One Network.
Endless Connections.
Payvaro unites what’s been divided.
Our open-loop network connects all major payment systems, enabling funds to move seamlessly across ACH, wire, card, and digital rails. Whether payments originate in one format or another, Payvaro routes them end-to-end — with no stops along the way.
• Pay or get paid through any rail—Cards, ACH, Wires, Checks, even STP.
• Eliminate manual work with straight-through automation.
• Unlock real-time visibility through interactive portals.
• Grow faster with a network effect that gets stronger every day.
Closed Loop
Each buyer must enroll separately to every supplier
creating limited access and fragmented scale.
Payvaro Open-Loop
Each buyer connects once into the Payvaro Network
gaining universal access to multiple suppliers.
One connection delivers universal reach.
Eliminating inefficiencies, reducing costs, and driving adoption at scale.
Payvaro fuses Advanced AI with Next-Gen Data Science
The network doesn’t just process transactions — it learns from them, optimizing every rail for speed, liquidity, and efficiency.
• Predict demand and optimize routing
• Manage liquidity in real time
• Reduce settlement times and cost
The Result?
Payments that move faster, smarter, and more efficiently
than ever before.
Every New Connection Strengthens the Network
Like global rail systems, Payvaro’s network gains strength with every connection.
Each buyer, supplier, or issuer that joins expands reach, speed, and efficiency — creating exponential value for all.
Built to Connect.
Not Compete.
Payvaro isn’t another closed-loop platform. It’s open infrastructure — a connective layer that links legacy systems with next-generation digital networks.
As payment technologies evolve, the Payvaro Network evolves with them, ensuring compatibility and speed across every channel.
Connected by One Network.
Empowered to Grow.
The Payvaro Network connects every rail.
But it’s the businesses, suppliers, and partners that bring it to life —
each empowered to move faster, smarter, and with greater reach.
For Businesses
Make AP work smarter, not harder.
One file, every rail
Cards, ACH, Wires, Checks, even STP.
Onboard at scale
Enroll suppliers without one-by-one setup.
Real-time visibility
Track and reconcile instantly in the buyer portal.
For Suppliers
Get paid faster, with less effort.
Flexible acceptance
Virtual Card, ACH, Wire, or Check.
Smarter receivables
Clear visibility and control through
the supplier portal.
Scale once
Onboard once, transact with many buyers.
For Issuers & Partners
Expand reach & deliver more value.
Transactions at scale
Cards, ACH, Wires, Checks, even STP.
Seamless integration
One connection to a growing ecosystem of buyers & suppliers.
Enhanced value
More payment options, faster adoption, simplified reconciliation.
Be Part of the First Truly
Open-Loop Payments Network
One connection. Unlimited potential.
Payvaro unites every payment rail, removing friction and powering the global flow of money
with the precision of AI and the simplicity of one connected network.
With every new participant — buyer, supplier, or issuer — the Payvaro Network grows faster,
smarter, and more valuable for all — creating exponential value for all.