Programmable payments for banks, processors, and fintech
The trust layer for the AI economy. Ship conditional payments on your existing rails to reduce disputes, unlock new revenue, and lead the future of commerce.
Start with flagship PayNotes
Ship conditional payments fast with production-ready templates for card, marketplace, and bank rails.
Card Payment PayNote
Guarantee card purchases with conditional capture and evidence-backed release for merchants and marketplaces.
- Card auth + reserve
- Shared timeline
- Chargeback prevention
Marketplace PayNote
Collect once from the buyer and orchestrate automated split payouts to every seller and service provider.
- Multi-merchant
- Programmable splits
- Delivery proof
Bank Transfer PayNote
Run conditional A2A transfers on existing bank rails with milestones, escrow-style holds, and instant refunds.
- ACH / SEPA ready
- Milestone release
- Audit-friendly
Built for every partner
Whether you operate a bank or process card transactions, PayNotes adapts to your workflow.
Banks
Add programmable agreements to your own rails without replacing core banking systems.
Payment Processors
Productize conditional capture, reduce disputes, and launch new premium SKUs for enterprise merchants.