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PayOnward Solutions

AI-Powered Payment Solutions

Built for Credit Unions Community Banks FinTechs

Built for

Credit Unions Community Banks FinTechs

Bring Invoicing, Bill Pay, and Money Movement Back Under Your Brand

Over 80% of digital transactions now bypass local institutions as members use apps like Venmo and PayPal. 

PayOnward brings those payments, deposits, and relationships back to your Credit Union.

Our AI-powered, white-labeled platform combines invoicing, bill pay, and money movement under your brand.

Built by the creators of Payveris and Open Solutions, PayOnward helps Credit Unions compete directly with national platforms.

Bring Payments, Data, and Members Back to Your Credit Union

One intelligent platform. Two connected solutions (Business Suite and Member Suite) powered by shared AI intelligence, analytics, and enterprise-grade security. 

Business Suite
(For SMBs)

Automate cash flow, manage vendors, and forecast payments—all within your Credit Union. 

  • AI-Driven Invoicing 
  • AI Smart VendorPay 

Fix Invoicing Delays with AI-Powered Accounts Receivable Automation

PayOnward’s AI-powered Business Suite replaces outdated invoicing systems with a unified platform built for Credit Unions.

Invoices are created, tracked, and paid in minutes while keeping every transaction, deposit, and data point inside your institution.

AI predicts cash inflows, identifies payment patterns, and applies smart early-payment incentives that accelerate revenue.

Key Highlights

  • One-click invoice creation, tracking, and reconciliation
  • AI-powered collections and cash-flow forecasting
  • Integration with QuickBooks, Xero, and NetSuite
  • Multi-biometric authentication and geofenced fraud protection
  • Proprietary “Flex Inflow Engine” for faster, smarter payments

With PayOnward’s Business Suite, invoicing becomes engagement. 

Every transaction builds loyalty, boosts visibility, and keeps business deposits within your Credit Union. 

Member Suite
(For Individuals)

Deliver modern payment experiences that keep members engaged and deposits local. 

  • AI Manage My Bills 
  • Custom Money Movement (P2P | A2A | Cross-Border) 

AI-Driven Bill Pay That Keeps Members Engaged and Deposits Within Your Credit Union

Most members now pay bills through apps pulling funds and engagement away from your Credit Union. 

PayOnward’s Intelligent Bill Pay brings that activity back under your brand. Powered by the AI Manage My Bills engine, it schedules payments, sends smart reminders, and detects fraud in real time. 

Key Highlights

  • AI-synced scheduling aligns bill payments with income deposits 
  • Smart reminders prevent late or missed payments 
  • Real-time fraud detection and multi-channel alerts 
  • Seamless mobile and online banking integration 
  • Behavioral insights that adapt to each member’s spending habits 

Custom Money Movement, P2P, A2A, and Cross-Border Transfers

Traditional P2P tools feel slow and inconsistent. 

Built on FedNow, RTP, ACH, and card-to-card rails, PayOnward’s Custom Money Movement delivers real-time transfers across accounts and borders. 

The AI Smart Movement Engine verifies every transfer, detects anomalies, and personalizes future transactions for faster, safer money movement.

Key Highlights

  • Instant P2P, A2A, and cross-border transfers 
  • AI-driven fraud prevention with geo-fenced authentication 
  • Configurable limits and white-labeled integration 
  • Predictive AI for personalized, repeat transfers 

Shared
Intelligence

Most Credit Unions operate on disconnected systems for AR, AP, P2P, and Bill Pay, losing visibility into cash flow, deposits, and member behavior.  

PayOnward’s Shared Intelligence unifies data, reporting, and fraud protection across every payment experience, giving your institution real-time control and actionable insight. 

AI-Powered Reporting and Analytics That Turn Payment Data into Actionable Growth

PayOnward’s AI Recommendation & Support Engine learns from every transaction to anticipate what members or businesses need next.  

It predicts shortfalls, suggests liquidity timing, and flags potential fraud. 

Key Highlights

  • Predicts payment delays or cash shortages 
  • Detects anomalies and recommends early intervention 
  • Offers guided workflows for staff and users 
  • Converts raw data into real-time financial guidance 

Advanced Fraud and Security Framework

Fraud evolves fast but PayOnward’s Advanced Fraud & Security Framework, stays ahead, with geofencing, biometric verification, and behavioral AI to approve transactions only from trusted devices and locations. 

Key Highlights

  • Geofencing and device fingerprinting for secure access 
  • Behavioral AI that flags suspicious activity instantly 
  • Dynamic access controls based on transaction risk 

Integration and Interoperability Layer for Seamless Core Connectivity

Legacy systems shouldn’t limit innovation. 

PayOnward’s Integration & Interoperability Layer connects directly to your core banking and fintech tools through open APIs and cloud connectors, ensuring fast deployment and secure data exchange.