Prefund any corridor.
Settle faster.
Lock up nothing.

PayMate is purpose-built for Payment Service Providers, Remittance Service Providers, and OTC Desks that require on-demand prefunding liquidity to settle local and cross-border transactions executing every order instantly, efficiently, and without capital constraints.

$640M+

Transaction Volume Processed

$115M+

Credit Deployed

800+

Facilities Originated

Locked Capital

Your own funds sit in advance accounts 1 to 3 days before every settlement, earning nothing in return. You are not just losing yield, but actively constraining your own growth. The larger your volume gets, the more capital gets trapped, and the harder it becomes to take on new corridors or clients without stretching your balance sheet thin.

Growth Capped

You cannot scale volumes beyond your prefunding capacity. Every new client, every new corridor, every spike in transaction demand requires more capital parked upfront. Liquidity Constraints shouldn't cost you growth, but right now, it does.

Slow Bank Facilities

Traditional bank lines take months to approve, require extensive collateral, and with Higher Covenants making it difficult for fast growing businesses to grow. By the time the facility is live, the opportunity has moved on. You need credit that moves at the speed of your settlements, not at the speed of a credit committee.

PayMate Credit Line

KYR Verified Settlement

Available facility: on demand

PayMate

On-demand settlement liquidity, draw when you need it, settle as usual, and scale without constraints. PayMate provides prefunding facilities against your verified settlement receivables. No lengthy approvals. No equity dilution. No interference in how you run your business. Just capital that moves at the speed of your transactions so you can take on more volume and open new corridors.

Unlock Settlement Capital in 5 Steps

From your first drawdown request to a replenished credit line, here's exactly how PayMate works.

You
Request

Once you are onboarded
on PayMate, submit a drawdown against your
confirmed settlement order. Fast, simple, and fully digital, no paperwork,
no queues.

We
Validate

Your settlement order,
counterparty, and corridor are verified in real-time through our KYR (Know Your Receivable) engine. Every drawdown is
assessed before capital is deployed.

We
Deploy

Capital is transferred to your settlement account within hours through a licensed Conversion Agent. Your credit line is debited
accordingly, no approval committees, no back and forth, no delays.

You
Settle

Process your transaction
as you normally would, through your existing
exchange house partners on the approved corridor. PayMate works entirely within your existing infrastructure. Nothing changes operationally on your end.

You
Replenish

Once your settlement clears, upload your
remittance receipt and send the replenishment from your whitelisted wallet. Your credit line reinstates automatically, and the cycle begins again, keeping your capital in continuous motion.

Why Liquidity Teams Choose PayMate

Fast capital, flexible limits, and no operational rebuild for settlement-heavy businesses.

Access Capital
in Hours,
Not Weeks

API-driven drawdown validation replaces multi-week bank approval processes. From request to funds in your account; measured in hours, not business days.

Grows
With Your
Volume

Your facility limit is reviewed every 90 days based on repayment history and volume growth. Start with a pilot facility and scale to the capacity your operation demands.

Zero
Equity
Dilution

PayMate is a pure financing facility. No equity given up, No Warrants Demanded no interference in how you run your business. You retain full ownership and full control; we're purely your liquidity partner.

Works With Your Existing Infrastructure

PayMate integrates directly with your payment platform and settlement network. No new banking partners to onboard, no operational overhaul, just liquidity embedded into your existing flow.

Ready to Unlock Full Business Potential?

Tell us about your operation and we'll take it from there.

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Prefund any corridor.
Settle faster.
Lock up nothing.

$640M+

$115M+

800+