Solutions

Global P2P
Payments

PayMitto delivers a cross-border payment solution that integrates seamlessly into your digital banking experience with built-in compliance and fraud prevention.

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Unlock new revenue streams

Your account holders are sending remittances;
they’re just not doing it with you

PayMitto global transfers experience shown on a mobile phone

Financial institutions must modernize global payment offerings to protect account primacy.

The global remittance market is booming, yet many financial institutions lose this volume as account holders turn to third-party apps. PayMitto helps FIs reclaim this opportunity with a seamless, compliant, and scalable cross-border payment solution embedded directly into your digital banking experience—strengthening loyalty and protecting account primacy.

Our solution supports payouts to over 195 countries in 160 currencies through regulated providers like Visa® and Mastercard®. With built-in compliance and fraud prevention, PayMitto streamlines regulatory adherence and reduces operational burden and cost. Financial institutions can expand their service offerings, deepen customer relationships, and unlock new revenue potential in the rapidly growing global payments landscape.

Integration can be completed in as little as 90 days, enabling same-day payments to many destinations.

Maximize global impact with our extensive
partner network

Accelerate market entry
with tech-first approach

Traditionally, standing up a remittance infrastructure is very arduous, time-consuming work that often takes over a year to complete. PayMitto offers a rapid white-label integration into existing platforms in 90 days. Our easy-to-integrate APIs and comprehensive SDKs streamline setup without months of system stitching or backend integration hassles. Detailed documentation and client libraries ensure a smooth start, while customizable SDKs ensure a seamless brand experience for users.

SDK

Ideal for prioritizing speed-to-market and cost-efficiency, especially for mobile-centric applications without diverting resources from core business needs or managing global corridor changes.

API

Suitable for projects with available development resources and a need for front-end UI control and capable of managing ongoing compliance updates efficiently.

APIs or SDKs
Which Is the right option for your business?

When integrating a remittance solution, understanding the difference between APIs and SDKs can help you make the best choice for your business. Both options allow you to enhance your platform with new features and streamline user experiences, but they offer different levels of control, customization, and development effort. This guide breaks down the key differences to help you decide which path—API or SDK—is right for your team’s capabilities and business goals.

SDK Rapid speed to market

If you're aiming for a quick, low-tech integration, our SDKs (available for mobile and web) offer a fully built-out front-end experience with compliant, user-tested flows—ideal for clients looking to launch rapidly with minimal development effort.

Here’s why our SDKs might be the right choice for you:

Quick to market with a fully tested solution: Our SDKs come with pre-built, streamlined workflows that enable a faster launch. We’ve conducted extensive user testing to ensure the greatest success with payment flows, so you can go live with confidence.
Fully compliant: Integrated compliance with regular updates ensures you’re always aligned with regulatory needs without the extra effort.
Simplified integration: SDKs are perfect for teams with limited development resources, making it an efficient, plug-and-play solution.
White-label global experience: With full branding capabilities, and multi-language support, SDKs provide a polished, global-ready solution that aligns with your brand’s identity.

API Customization and flexibility

For clients who need complete control and customization over their remittance flow, our APIs provide flexibility but require more dedicated development time and resources.

Choose the API route if you:

Need full control: APIs allow you to shape your integration to fit your specific business needs and create a tailored experience for end-users. This is especially beneficial if you need to integrate into an existing payments experience.
Full brand customization: With API integration, you have the ability to customize each part of the user experience, controlling the design to align perfectly with your vision. (Note: Certain flow requirements must also be followed to ensure compliance.)
Have development resources: APIs demand ongoing maintenance, including regular updates for compliance, making a dedicated development team essential for long-term success.

Note: API integrations require a longer time to market and an additional review period prior to launch, so careful planning and resource allocation are crucial.

Infrastructure to meet all global requirements

Built-in comprehensive compliance engine

In today's dynamic digital financial landscape, global compliance regulations are constantly evolving. PayMitto offers built-in program management with dedicated full-time teams for compliance and fraud monitoring, ensuring ongoing regulatory adherence and operational security. The product fulfills all BSA/AML policies, has KYC, tier-based risk management, sanctions screening, exception handling, limit management, field validations, and payment verification.

Smiling man with coffee and phone stands in front of a blurred bridge and US map with $250 USD label.

Indian woman in traditional attire using smartphone with India map and currency value above.

Empowering
human connections
through seamless cross-border payments

At PayMitto, we understand that a human connection lies behind every remittance transaction. Your commitment to serving members who need to send support across borders is vital, and we’re here to help you make that process as smooth as possible. Our cross-border payment product aims to streamline this process, making it as frictionless as possible with the same ease as domestic transactions.

Mobile banking app screen showing greeting, total balance $8,247.79, checking and savings accounts, and transfer options.

Mobile screen showing money transfer to India with $250 USD converted to ₹23,414 INR via bank account.

Mobile screen showing a ₹23,414 INR transfer to Sandhya Deshpande with status and delivery details.

Man holding phone and coffee with $250 USD and woman in saree using phone with ₹23,414 INR transfers.

The foreign exchange rates shown in images are for illustration purposes only and do not reflect actual rates. They are provided solely as an example and shall not be relied upon for any purposes whatsoever.

A truly white-label integration

Your brand, your application

PayMitto integrates seamlessly into your platform, allowing you to offer cross-border payment services under your own brand. Our white-label solution ensures you maintain control over the user experience, enhancing consistency and brand loyalty. This strengthens customer relationships, reinforces trust, and sets you apart from competitors with a cohesive and engaging customer journey.

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White-glove implementation and service

We offer an end-to-end solution covering compliance, fraud prevention, and user experience. Our dedicated team ensures your remittance program meets regulatory requirements and exceeds customer expectations, driving growth and long-term success.

Pricing strategy & management

Built-in pricing and limit management ensures precision across all currencies. Access scalable settlement, reconciliation, and reporting engine to enhance financial operations.

Proactive security

Secure, encrypted protocols, continuous monitoring, and regular audits protect your customers. Additionally, PayMitto’s iFrame technology eliminates the need for PCI certification for the payer.

Every account holder has somewhere to send.

We make sure you can get them there.

Our network reaches over 90% of the global population.

90%+

We reach over 195 countries in our global network.

195+

Cards & bank accounts

11B

Cash-out locations

290k

Currencies

160 Vast delivery options to serve your members

Cash Pickup

Bank Account

Debit Card

Mobile Wallet

Stablecoin

Industries

Learn how PayMitto empowers our customers

Credit unions

Explore how PayMitto empowers credit unions to streamline cross-border payments, enhancing member services and expanding global financial accessibility.

Traditional banks

Discover how PayMitto revolutionizes cross-border payment solutions for traditional banks, optimizing efficiency, compliance, and customer satisfaction on a global scale.

Fintechs

Uncover how PayMitto accelerates fintech innovation in cross-border payments, offering flexible integration, robust compliance, and rapid market entry.

Ready to get started?

Book a demo with our team and dive into how PayMitto's innovative solutions can transform your cross-border payment experience.

Global P2P Payments