Available PayNotes
Programmable payment agreements for banks, processors, and fintech platforms.
Card Payment PayNote
✓ AvailablePayer:Customer
Payee:Merchant
Guarantor:Regulated Provider
“Card auth → conditional capture”
Card Marketplace PayNote
✓ AvailablePayer:Customer
Payee:Seller
Guarantor:Marketplace
“Marketplace-guaranteed buyer protection”
Push-to-Card PayNote
✓ AvailablePayer:Merchant
Payee:Customer card
Guarantor:Regulated Provider
“Instant payout to card”
Merchant Transfer PayNote
✓ AvailablePayer:Merchant A (from payouts)
Payee:Merchant B
Guarantor:Regulated Provider
“Reserve & release from settlement”
Custom PayNote
✓ AvailablePayer:Any
Payee:Any
Guarantor:Any trusted party
“Bring-your-own guarantor”
Bank Transfer PayNote
⏳ Coming SoonPayer:Customer
Payee:Merchant
Guarantor:Your Bank
“A2A transfer with conditions”
Digital Wallet PayNote
⏳ Coming SoonPayer:Wallet user
Payee:Merchant on platform
Guarantor:Wallet provider
“Programmable wallet escrow”