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The AI-Powered Digital Payment Suite

Built for
 Credit Unions Community Banks FinTechs

Built for

Credit Unions Community Banks FinTechs

PayOnward empowers financial institutions to fight back with modern, AI-driven solutions, fully branded to keep you at the heart of your customers’ financial lives

Trusted by Industry Leaders

Invested in and Built by Credit Unions…for Credit Unions and FIs

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You’re Losing Control of the Payment Relationship

PayOnward is a fully embedded, AI-powered, digital suite that restores your institution as the trusted center of daily financial activity. 

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Declining Growth Rate

Lower margins, slower deposit growth, and loss of revenue

Rising Fraud Threats

Targeting accounts, P2P, and card transactions

Dependence on Third Parties

Third-party apps (and big banks) are pulling deposits and trust away

Outdated Bill Pay Systems

Existing bill pay and AR is outdated, fragmented, and cumbersome

0 %

SMBs desire to pay vendors with one click or less

0 %

SMBs plan to move to another FI in a year due to lack of digital solutions

0 %

SMBs still doing accounts receivable (AR) manually

According to PYMNTS July 2024 “The Digital-First Banking Tracker® Series” Report

One Suite

Four Intelligent Solutions

AI-Driven Accounts Receivable (SMBs)

Automates invoicing, collections, and reconciliation, keeping deposits and loyalty with your FI.

Intelligent Bill Pay (SMBs + Customers)

Reimagined by the founders of Payveris. AI-driven automation for businesses and customers alike.

P2P + A2A Money Movement

Fast, secure transfers on modern rails—FedNow, RTP, ACH, and Card-to-Card—branded to your FI.

Custom Payment & Money Movement Services

Quickly launch new services, close product gaps, and compete head-to-head with fintechs.

AI-Driven Accounts Receivable

Help business clients get paid faster and easier, while deposits flow into your financial institution. PayOnward automates invoicing, collections, reconciliation, and fraud prevention in a FI-branded dashboard.

  • Sync with AR/AP (Quickbooks, etc.)
  • Secure MFA Fraud tools
  • Recurring billing
  • Role-based permissions

The Most Advanced Bill Pay Ever Created for SMBs

  • Modern, AI-powered vendor payments that automate cash flow management.
  • Alerts for duplicate invoices, due dates, fraud attempts.
  • Optimized timing → discounts captured, late fees avoided.

Smart Bill Pay for Customers... Finally Reimagined

  • Traditional bill pay hasn’t innovated in years.
  • AI-driven scheduling that aligns bills with income deposits.
  • Proactive reminders, fraud detection, mobile-first experience.

Keep Customer Payments Inside Your Ecosystem

  • FI-branded P2P transfers and account-to-account movement.
  • Built on modern rails: FedNow, RTP, ACH, Card-to-Card.
  • Secure fraud detection using advanced multi-factor authentication and biometrics.

Custom Payment & Money Movement Services

Build a payment strategy that’s uniquely yours to meet the needs of your institution and community.

Quickly launch new FI-branded services.

Fill product gaps without heavy dev or vendor costs.

Reduce fraud exposure across emerging rails.

Your Customers.
Your Brand.
Your Payments.

Reimagine payments with PayOnward

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