Faster Setup with Programmatic Control
at Lower Cost
Open multi-currency accounts instantly, collect globally, and reconcile every transaction via API.
Open an account in minutes
Set up local and multi-currency accounts programmatically quickly, complete with account details. Start receiving domestic and international payments via local transfers or SWIFT without long onboarding delays.
Avoid hidden fees
Convert balances at competitive FX rates with no hidden fees. Save money on every transfer and protect your margins.
Streamline your global cash management
Hold and manage balances across multiple currencies. Convert balances across currencies in just a few clicks and view all transactions in a fully integrated platform.
Know your funds are safe and secure
Keep money protected with end-to-end encryption, bank-level safeguards, and globally compliant infrastructure.
Smarter Fund Flows That Work for You
PhotonPay automates payouts and reconciliation, giving you real-time visibility.
One dashboard for every balance
View accounts, ledgers, and balances across subsidiaries or entities in real time, switching by region, team, or project.
Flexible fund flows
Top up, receive, convert, and transfer between accounts easily. Match cash flows to your business model without extra friction.
Clear records for reconciliation
Generate clean statements, export transaction data, or connect directly via API. Simplify month-end closing.
Empower Your Platform with Embedded Accounts
Embed accounts to unlock new revenue and scale faster
Offer accounts to your users
Embed PhotonPay to let customers open, hold, and pay out from accounts in multiple currencies.
Scale onboarding and compliance
Leverage built-in KYC/AML checks and ongoing monitoring to handle account creation at scale while staying compliant.
Unlock new revenue streams
Combine accounts with payouts, FX, and issuing to build financial services into your platform and grow revenue.
Designed For Developers, By Developers
Best-in-class developer tools
Integrate in a fraction of the time with our high-quality developer capabilities, libraries, and APIs.
Simplify complex scenarios
Our comprehensive APIs can be tailored to suit your most complex requirements, all supported by our world-class technology.
Flexible deployment options
Decrease time to market with pre-built components and elements or build natively with full API integration.
