The universal language of payments
Where every institution stands equal. Where every transaction flows freely.
What is payware?
The neutral universal interoperability standard enabling instant A2A payments globally through 7 innovative payment initiation methods
Neutral Infrastructure
Infrastructure that serves all institutions equally—no bias, no favorites. Standing apart as the truly impartial layer.
Multi-Sided Platform
Connecting payment institutions, merchants, ISVs, and consumers. Every new participant multiplies network value.
Built on Existing Infrastructure
No new cards, no new payment accounts needed. Works with existing payment infrastructure.
Open Standard
Standards-based protocols that enable ecosystem growth. Transparent, documented specification.
How It Works
Universal interoperability connecting any payment institution
Payment Institution A
payware Protocol
Payment Institution B
7 Initiation Methods
QR • Barcode • Text • Link • NFC • BLE • Soundbite
Merchants
ISVs
Consumers
Core Principles
Six foundational principles that define the payware standard
Universal
Works with any payment institution worldwide
Interoperable
Seamless cross-institution transactions
Neutral
Independent infrastructure provider—no bias, no favorites
Secure
Reversed information flow architecture
Instant
Real-time A2A payments
Innovative
7 different payment initiation methods
Technical Architecture
Built on modern, proven technologies
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
Expand reach and capabilities. Every customer touchpoint becomes seamless payment moment.
Merchants
Universal acceptance. Minimal fees. Maximum reach.
ISVs
Transform your platform into a revenue engine with embedded payments.
Developers
One standard. Every connection. Endless possibilities.
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 payment network
Where innovation meets infrastructure. Where every connection multiplies value.