Bulk payments
Upload a file or call the API. Validated before anything moves.
payroll_sept.xml Valid
- Payees
- 38
- Total
- €184,920.00
- Rail
- SEPA Instant
- < 10 s SEPA Instant end-to-end, 24/7/365
- 4 rails behind one payments API
- 99.9% straight-through processing, no manual touch
- 1 status model customers follow, on every rail
Smart routing The fastest rail
The fastest rail
that fits.
Each payment is checked against reachability, limits and cut-offs. If a rail can’t take it, the next one does - and the customer sees why.
- Reachability checked before sending
- Cut-off and holiday calendars per rail
- Automatic fallback with a new arrival time
Payment · €12,400 → DE89 3704 0044 0532 0130 00 Routed in 4 ms
- Is the recipient bank reachable by SEPA Instant? Yes SEPA Instant · arrives in ~6 s
- Is the amount within the instant limit? Yes Routed · SEPA Instant Stay on SEPA Instant
- Before today’s SCT cut-off (16:00)? If instant fails SEPA Credit Transfer · next business day
- Destination outside SEPA? Otherwise SWIFT gpi · tracked end to end
Coverage
Where the money can go.
Domestic euro rails across the SEPA zone, tracked cross-border payments everywhere else.
SEPA zone
36 countries
SEPA Instant, SEPA Credit Transfer and direct debits in euro.
SWIFT gpi
200+ countries and territories
Cross-border payments with end-to-end tracking and fees shown upfront.
Card schemes
Global acceptance
Cards you issue work online, in-store and in mobile wallets worldwide.
Tracking
A delivery status for money.
One status model on every rail - pushed to the app the moment it changes.
- Created 14:02:10.012 In the business app
- Screened 14:02:10.318 Sanctions & fraud · clear
- Sent 14:02:11.004 SEPA Instant
- Credited 14:02:16.441 Recipient bank confirmed
Payment delivered · €12,400.00 Northwind Supplies received it in 6 seconds. now
Five seconds, four states, zero support tickets asking “where is my money?”
Business banking
Bulk, scheduled and approved.
The same rails, with the controls finance teams expect.
Scheduled
Recurring and future-dated payments with rate and rail locked in.
- 1 Oct Office rent €8,400.00
- 5 Oct Supplier · Kestrel €2,150.00
- 15 Oct VAT payment €31,760.00
Approvals
Rules by amount and payee - approve from the phone.
€184,920.00 · payroll
- Finance lead Approved
- CFO Pending
Send a payment on every rail.
See routing, fallbacks and tracking live in the demo - retail and business.