PayAPI
Cross-border payment routing and settlement for businesses of every size.
Send money anywhere in under 3 seconds
PayAPI is Paymonx's core payment routing API. A single REST endpoint connects your business to 190+ countries, 60+ currencies, and dozens of local payment methods — ACH, SEPA, SWIFT, and instant local rails.
Smart Routing
Automatically selects the fastest and cheapest payment corridor for each transaction. Dynamic routing reduces costs by up to 35% compared to single-rail solutions.
Real-Time FX
Live foreign exchange rates with mid-market pricing and transparent spread. Lock in rates for up to 72 hours for predictable treasury management.
Webhook Events
Subscribe to real-time status updates: payment initiated, cleared, settled, or failed. Build reliable payment flows with retry logic and reconciliation endpoints.
Compliance Coverage
Built-in AML screening, KYC orchestration, and sanctions list monitoring across 60+ jurisdictions. Compliance handled so you can focus on growth.
PayEmbed
Embed financial products into your platform without building from scratch.
Financial products as building blocks
PayEmbed gives software platforms, marketplaces, and SaaS businesses the infrastructure to offer financial services under their own brand. Offer wallets, transfers, virtual cards, and payment acceptance as native features of your product.
Branded Wallets
Issue multi-currency wallets to your users. Support deposits, withdrawals, and peer-to-peer transfers with full ledger visibility.
Virtual Cards
Issue single-use or recurring virtual Visa/Mastercard cards to users or employees. Perfect for expense management and controlled spending.
Automated Payouts
Trigger scheduled or event-driven payouts to any bank account globally. Ideal for marketplace seller payouts and gig economy disbursements.
PayShield
Real-time fraud detection and risk scoring for every transaction.
Stop fraud before it costs you
PayShield monitors every transaction across your payment stack in real time. Adaptive machine learning models trained on billions of transactions deliver industry-leading fraud detection with a false-positive rate below 0.1%.
Adaptive ML Models
Models continuously retrain on your transaction data to adapt to new fraud patterns. Each business gets customized risk profiles rather than generic rules.
Instant Alerts
Block suspicious transactions in under 50 milliseconds. Receive real-time alerts with detailed risk signals and decision explanations for your compliance team.