Embedded Finance

INNOVATIVE EMBEDDED FINANCIAL SERVICES HELP YOU BUILD EXTRAORDINARY STRENGTH

By providing platform-based economies with more flexible income and expenditure solutions and end-to-end financial management solutions, PhotonPay empowers enterprises to comprehensively upgrade financial management operational efficiency and create new growth opportunities.

Embedded finance Create Account After creating your account, you can easily invite your employees to join your matrix accounts through the "Settings" section, enabling them to act as operators. Matrix account name Mercantile agent CREATE Create Success Mercantile agent DJ8199010000001 Me USD GBP JPY EUR 1000.00 $ 1000.00 $ 1000.00 $ 1000.00 $ Mercantile agent DJ8199010000001 Me USD 192.00 GBP 0.00 EUR 10.00 JPY 0.00 Subsidiaries DJ8199010000002 SU Under a single corporate entity, if there is a need for independent fund management across multiple business units or projects, the matrix account structure allows for the establishment of independent sub-accounts linked to the main account, enabling the separation and refined control of funds. This setup not only facilitates clear division of business funds but also enhances financial transparency and operational efficiency. Embedded finance Embedded finance

Embedded Financial Solutions with a Completely Upgraded Experience

By integrating our advanced technology, we facilitate the creation of a personalized global financial payment ecosystem, quickly solidifying a formidable market presence. Users can conveniently oversee their global financial assets via an integrated platform solution.
Optimize fund management chains to create new profit models
Our comprehensive asset management infrastructure empowers effortless global fund "collection," "management," and "payment" for your users. It enables the automation of financial flows within the platform's ecosystem, provides customizable visual data reporting, enhances the reconciliation process, and offers monetization strategies for services, paving the way for innovative business growth.
Develop your payment business quickly and flexibly
Leverage our infrastructure and pre-built development components for rapid deployment, seamlessly integrating into your existing products to enhance user experience. Benefit from our revenue-sharing program by collecting fees for payment services and generating income from each transaction conducted
Efficiently go live while meeting compliance standards
Boasting multiple global payment licenses, we possess top-tier global compliance and risk management technologies along with bank-level security measures. Leave the payment KYC procedures to PhotonPay, assisting you in confidently and efficiently expanding your business
Sub members 2 Main Fund Sweep + 400.00 Sub members 3 Main Fund Sweep + 200.00 Sub members Main Fund Sweep + 200.00 Trade limited Main Fund Sweep/Distribution - 800.00

An All-in-One Global Financial Payment and Asset Management Service Designed for the Platform Economy

"amount": 210 ,”currency": “ USD ”, "expiredMinutes": 0, "goodsInfo": [ASUS rt-ax88u wireless router full Gigabit / game router / MU-MIMO / Wi… "notifyUrl": "https://www.photompay.com", "payMethod": "Credit Card", "redirectUrl": "https://www.photonpay.com" , "remark": "string", "reqId": "string", "risk": { "airLine": {}, "fingerprintId": " string ", "recharge": {}, "rentalCar": {}, 1 5 3 7 2 6 4 8 Server to Server Embedded finance Issuing Payouts
Advanced Financial Management System
Tailor access permissions for various roles within your organization to safeguard information security and bolster financial management capabilities, thereby enriching the employee experience. Leverage PhotonPay's global payment routing and disbursement engine to efficiently process payments to users, minimizing operational expenses.
Trade limited Main Fund Sweep / Distribution + 800.00 + 200.00 Sub members Revenue Sub members 3 Payment + 400.00 + 200.00 Sub members 2 Collection
Effortless Global Account Integration.
We offer the most straightforward and efficient method to embed payment functionality into your platform or marketplace. Our API empowers you to dynamically construct and scale your payment solutions, seamlessly collecting international funds via global acquiring and receipt accounts, thereby unlocking a multitude of new revenue channels.
Mercantile agent DJ8199010000001 Me 1000.00 0.00 300.00 0.00 USD GBP EUR JPY Subsidiaries Subsidiaries2 DJ8199010000002 DJ8199010000003 SU SU
Multi-tiered wallet system for efficient fund circulation.
By utilizing the embedded financial infrastructure of PhotonPay, platform consumers and service providers can seamlessly establish fund transfers between any two or more members, enabling automatic aggregation and saving time, effort, and costs.

Innovative Embedded Finance, Forging Boundless Opportunities

SaaS-based Payment Processing
On a SaaS platform, after a buyer completes a transaction, the platform automatically deducts service fees and forwards the remaining amount to the seller. For example, in a ride-hailing app, the platform collects its service fee from the payment and then pays the driver, ensuring a transparent and efficient process.
SaaS Platform Subscription Billing
Our platform facilitates both one-time and recurring payment transactions, providing a seamless and integrated payment experience that allows your platform to effortlessly accept payments from consumers worldwide. For instance, in the digital content subscription sector, users can subscribe to and pay for literary services on your platform with ease, without navigating away or encountering complex payment procedures.
E-commerce Platform Payments
Consumers and merchants transact without necessarily being aware of the platform's presence, where the platform may charge fees for the transactions. For example, a consumer purchases items from a brand's standalone website established through the Shopify platform.