The resolution layer for account-to-account payments
Query payware. Resolve the transaction. Execute directly. No card networks. No middlemen.
What is payware?
payware is the neutral resolution infrastructure that connects merchants and payment institutions. A merchant registers once. When a customer pays, their institution queries payware to resolve the transaction - receiving merchant name, amount, currency, and the optimal merchant bank account for the querying institution. The institution executes the direct account-to-account transfer. payware never holds funds, never authenticates customers, and never competes with the institutions that depend on it.
Neutral Infrastructure
payware serves all institutions equally - no bias, no favorites. The network has no stake in which institution executes a payment, only that resolution works for all of them.
Multi-Sided Platform
Connecting payment institutions, merchants, ISVs, and consumers. Every new participant strengthens the network for all existing participants.
Built on Existing Infrastructure
No new cards, no new payment accounts needed. payware works with existing banking rails and authentication - institutions add a resolution query, not a new payment system.
Open Standard
Standards-based protocols that enable ecosystem growth. Transparent, documented specification. Any institution can integrate.
How It Works
A payment flows through five steps. payware handles the resolution - your institution handles the rest.
Core Principles
Six foundational principles that define the payware standard
Universal
Works with any payment institution worldwide - one integration covers every registered merchant
Interoperable
Seamless cross-institution transactions without bilateral agreements
Neutral
Independent resolution infrastructure - no bias, no favorites, no stake in which institution executes
Secure
Reversed information flow: institutions pull from payware, no sensitive data is pushed at initiation. No account details exposed at point of payment.
Instant
Real-time A2A payments - funds move on existing instant payment rails
Innovative
7 different payment initiation methods, all resolving through the same protocol layer
Technical Architecture
Built on modern, proven technologies with a minimal integration surface for institutions
API Design
- RESTful API architecture
- JSON data format
- Versioned endpoints
Security
- OAuth 2.0 authentication
- TLS encryption standard
- Certificate-based signing
Multi-Sided Platform
Equal access. Shared infrastructure. Mutual success.
Payment Institutions
Query the resolution network to reach every registered merchant. You keep authentication, customer relationships, and fund execution.
Merchants
Register once. Every institution on the network can resolve your transactions. Universal acceptance at 0.5% fees.
ISVs
Generate transaction IDs on behalf of your merchants through a single API. Every initiation method included.
Developers
One resolution standard. Every connection. Build once, reach the entire network.
Trusted Infrastructure
Enterprise-grade reliability for the payment ecosystem
Connected Institutions
Growing network of payment institutions
Transactions Monthly
Processing volume growing daily
Countries Supported
Global payment infrastructure
99.9% Uptime SLA
Enterprise-grade reliability
AI-Native Protocol Access
Model Context Protocol (MCP) enables natural language payment operations
Transform Integration from Code-First to AI-First
payware implements native Model Context Protocol support, enabling AI assistants to directly operate payment services through natural language commands. This represents a fundamental shift in how payment systems are integrated and operated.
Instead of weeks spent learning APIs and writing integration code, developers can now prototype payment flows in minutes through conversational commands. AI assistants become payment operations partners, understanding context and executing complex multi-step workflows autonomously.
Technical Implementation
MCP Server Architecture
- 60+ Payment operations exposed through MCP interface
- JSON-RPC 2.0 Standard messaging protocol for AI communication
- OAuth2 Secure authentication maintaining bank-grade security
Compatible AI Platforms
MCP is an open standard developed by Anthropic and adopted by OpenAI and Google DeepMind, ensuring broad AI platform compatibility.
Join the universal transaction resolution network
One integration. Every merchant. Every institution. Every initiation method.