Product

One Solution.

The Tools You Need.

One solution to integrate your existing systems, manage payments and
fund movement, and increase productivity across your business.

Integrate. Upgrade. Expand Your Payment Operations.

Swirepay works alongside your existing infrastructure to streamline workflows, automate reconciliation, and introduce modern capabilities that strengthen control and scale with your operations.

Orchestrate Workflows

Structure approvals, routing, and oversight to standardize how payments move from initiation through settlement.

Multi-rail Connectivity

Connect card, ACH, RTP, FedNow, PayPal, Venmo, and stablecoins through one operational layer.

Real Time Reconciliation

Real time 3 way reconciliation across transactions, settlements, and bank activity with structured exception handling and audit ready records.

Integrate Without Disruption

Enhance existing systems and workflows, working alongside systems of record and banking partners without replacing core infrastructure.

Operational Coverage Across Your Stack

Channels

All digital & physical channels

  • Web & Mobile
    • Access Instant Payments (RTP & FedNow)
    • Embedded payment flows
    • Digital wallets & Pay By Bank
    • Invoicing and subscriptions
    • Online Checkout
  • Physical Channels
    • POS transactions
    • In-person card payments
    • Tap and contactless payments
    • Location-based payment activity

Systems

Unified operations

  • ERP and accounting sync
  • Processor and gateway connectivity
  • Bank account connections
  • Settlement file ingestion
  • Ledger and data exports

Teams

Personalized journeys

  • Role-based access
  • Approval workflows
  • Exception review queues
  • Audit-ready activity logs
  • Shared operational visibility

Analytics & Insights

Data-driven decisions

  • Reconciliation status insights
  • Exception and variance tracking
  • Settlement and funding timelines
  • Volume and trend reporting
  • Operational performance reporting

AI-Powered Reconciliation. Built In

AI-powered reconciliation matches transactions, settlements, and bank activity in real time, automatically flags exceptions, and reduces manual effort while improving accuracy and auditability across systems.

Connect and Ingest

Sync transactions, settlements, and bank activity across your stack.

Intelligent Matching

AI highlights likely matches and anomalies to reduce manual investigation.

Exception Workflows

Review, approve, and clear exceptions with controls and audit-ready history.

Audit-Ready Reporting

Accurate outputs for accounting, operations, and month-end close.

Expand Capabilities Without Rebuilding

Modular tools that plug into the same orchestrated operational framework.

Smart Disbursements

Orchestrate money movement across instant rails with ACH fallback and end-to-end tracking.

Invoice

Improve your business flow when you create invoices allowing your customers to pay online instantly.

Subscription

Offer your customers subscription plans with automated recurring transactions on various payment modes.

Payment Pages

Accept payments with your customized pages using our easy-to-integrate Swirepay API.

Payment Links

Get paid instantly with payment links that could comfortably be shared via email, social media, or SMS.

POS

Simplify cash and cardless POS with customer-scannable in-store QR codes at check-out counters.

It's time to run in real time — move to Swirepay.

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