The Universal Payment Initiation Standard
An open, neutral standard enabling seamless payment initiation across all channels. Built for interoperability, designed for innovation.
Why a universal standard matters
Payment infrastructure has been fragmented for decades. Different methods, incompatible systems, and proprietary protocols create friction, increase costs, and limit innovation. payware changes this.
Interoperability First
One standard connecting all payment institutions, eliminating fragmentation and creating universal compatibility.
Open Architecture
Built on open standards, enabling innovation while maintaining compatibility and compliance.
Network Effects
Every new participant multiplies value for all, creating exponential growth in connectivity and capabilities.
Standard components
Universal Protocol
The core protocol enabling payment initiation across all channels. Built on industry standards with extensibility for future innovation.
- Open standard messaging
- Multi-modal initiation support
- Real-time processing and settlement
- End-to-end encryption
Technical Specifications
Comprehensive technical documentation for implementing the payware standard in your infrastructure.
- API specifications and schemas
- Security and encryption standards
- Implementation guidelines
Certification Programs
Ensure compliance and interoperability through our comprehensive certification process.
- Payment institution certification
- ISV partner certification
- Compliance verification
Implement the standard
Join the growing network of institutions and partners implementing the payware standard.