Formerly Brightwell
Embedded payment solutions, built for financial institutions.
Keep account holders in-app.
Keep deposits with you.
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Formerly Brightwell
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The opportunity
The opportunity
Most financial institutions have no visibility into how their account holders move money outside their walls. It doesn't show up as a lost transaction. It shows up as silent attrition, a gradual erosion of engagement, primacy, and trust, all going somewhere else, quietly.
We built PayMitto to change that.
We sit behind your brand, not in front of it.
Your institution owns the account holder relationship.
We exist to make sure you keep it.
From Integration to Adoption
The integration work with your digital banking platforms is already done. With limited technical configuration required, there’s no heavy lifting for your technology team and no lengthy buildout standing between your institution and a live program.
Every transfer happens inside your digital environment, fully branded to your institution and optimized for account holder flow. Your account holders interact with your brand at every step, reinforcing the trust and account primacy your institution has already earned.
Through regulated sponsor bank partners, the program manages Reg E Subpart B, KYC, BSA/AML program oversight, and sanctions screening on every transaction. Your compliance and risk teams stay focused on oversight and alignment rather than designing policies and scorecards from scratch.
Every transaction runs through layered controls configured to your institution’s risk appetite, concentrating oversight at the point of origination. Your institution maintains full configuration authority over transaction limits, velocity thresholds, corridor availability, and sender access, with ongoing monitoring and dedicated Tier 2 investigative support.
PayMitto doesn’t just launch your program, we run it. From integration through go-live and beyond, we manage the network, monitor performance data, deliver quarterly business reviews, surface emerging payment methods, and make proactive recommendations to keep your program growing.
Launching payments is a behavior change project, not just a technical one. PayMitto’s product growth team provides proven playbooks, compliant messaging frameworks, and performance insights to move your program from feature live to feature used.
Our network reaches over 90% of the global population.
We reach over 195 countries in our global network.
Cards & bank accounts
Cash-out locations
Currencies
Our team has spent more than 15 years and processed billions of dollars in annual cross-border volume building the infrastructure, compliance framework, and global network that makes embedded money movement possible for banks and credit unions.
Global Payments
Embed cross-border P2P payments directly inside your digital banking platform. Account holders send globally without ever leaving your app, and without ever opening a third-party service that could capture the relationship.
Disbursements
Deliver refunds, insurance claims, and reimbursements, with speed and precision that reflects well on your organization. Move disbursements from a back-office function to a brand-building moment.
Payments
Embed cross-border B2B payments directly inside your banking platform. Businesses pay suppliers, settle invoices, and fund operations globally, without leaving your ecosystem, and without handing that relationship to a competitor.
Recognition & Awards
Recognized for our dedication to innovation and impact, PayMitto strengthens the connections that matter most, one transaction at a time.
Named as one of Inc. 5000's Fastest-Growing Private Companies
Selected as one of FXC Intelligence's most promising global cross-border payment companies
Named by ACG as one of Georgia's 40 fastest-growing companies
Shortlisted for CrossTech Innovation honoring leading-edge innovation and performance
Winner of the Fintech ADVANCE award that recognizes innovation in fintech companies
Awarded Top Workplaces six years in a row
Behind the name
Behind the name
Mitto comes from the Latin "to send." In Spanish, mito means myth, or story. That's not a coincidence we stumbled upon. It's a truth we recognized.
A mother covering her son's first rent abroad. A brother splitting his parents' medical bills from two countries away. These are not transactions — they are acts of love, commitment, and trust.
We built PayMitto so those moments happen inside your institution, under your brand, where the relationship has always belonged.