Local P2P pay-ins and instant OCT payouts to cards. One reliable partner for merchants, PSPs and wallets.
Your customers already send money to each other every day. FinIQ turns that habit into a deposit method, then pays their withdrawals straight back to the card they use.
Accept local deposits where cards get declined, and pay out in seconds.
Add P2P and OCT to your cashier through a single connection.
Top-ups and withdrawals on rails your users already trust.
Pay sellers and freelancers directly to their cards.
Deposits through card-to-card transfers, bank transfers and local instant-payment rails. Each payer is matched with a verified counterparty and the deposit is confirmed automatically.
Original Credit Transactions push funds straight to Visa and Mastercard cards. Withdrawals, refunds and rewards arrive in seconds instead of days.
Everything around the two products that keeps your payment flow running.
Every transaction goes to the counterparty or channel with the best approval odds at that moment.
Behavioural scoring, velocity limits and manual review for disputed transfers.
Settlements in fiat or stablecoins on your schedule, with balances that update in real time.
Transactions, refunds, balances and reports in one dashboard, with role-based access for your team.
A named account manager and a shared chat with the team, at any hour.
Statements and exports that match your ledger line by line.
Encrypted card data, signed notifications, IP allow-lists and two-factor access.
A reliable partner from the first call: one integration, a dedicated team and transparent settlements.
Share your markets, volumes and the methods you need. We come back with terms that fit.
One integration covers pay-ins and payouts. Our team guides you through every step and tests with you.
Start processing and follow every transaction, balance and payout in the back office.
Your customer pays by sending money to a verified counterparty with a method they already use, such as a card-to-card or bank transfer. FinIQ matches the transfer to the order, confirms it and credits your balance.
An Original Credit Transaction is a card-network transfer that pushes money to a Visa or Mastercard card. Funds usually reach the cardholder within seconds.
Merchants, payment service providers, wallets and marketplaces that need local deposits and fast payouts to cards.
It depends on your setup. With the hosted payment page it can take a few days; a full integration takes longer. Our team supports you the whole way.
Coverage grows as we add partners. Send us your target markets and we will share the current list of methods, limits and rates.
Settlements run on an agreed schedule in fiat or stablecoins. Your balance and every movement on it are visible in the back office.
Tell us about your project and target markets. We reply within one business day.
Prefer to write directly?
PartnershipsPricing, terms and new markets@finiq_bizdev