PayQuanta · Worldwide Payment Layer

One payment layer to unify cards, APMs, bank rails and crypto* for complex businesses.

PayQuanta is a multi-rail payment gateway and wallet layer designed for PSPs, FX & trading companies, platforms and payment-intensive merchants that need structured, bank-friendly flows instead of fragmented connections, We provide a secure payment gateway specializing in cross-border payments and advanced PSP routing for FX, crypto, and high-risk industries.

Cards · APMs · bank · crypto* PSPs · FX & trading · platforms High-risk & complex verticals
Schedule an architecture workshop Explore Quanta Wallet
Multi-rail routing Cards, APMs, bank rails and crypto* under one logic
Wallet layer Client, merchant and operational balances
Bank-conscious design Flows explainable to banks, EMIs and regulators

What PayQuanta provides.

A single layer that combines gateway, wallet and operational tooling – so payments become a governed part of your business, settlement structure, not an improvised connection between providers.

Multi-rail payment gateway

One technical layer over card acquirers, APMs, bank rails and crypto partners, with routing aligned to risk, geography and vertical.
  • Cards, APMs, bank transfers and crypto*
  • Routing by country, currency, BIN and risk profile
  • Fallback logic across providers

Wallet & balance layer

Structured wallets for merchants, clients and operations, creating a clear view of who owns what and when funds can move.
  • Client, merchant and operational wallets
  • Multi-currency and multi-entity balances
  • Support for reserves and blocked funds

Operational & reporting backbone

Tools for finance, risk and operations teams to reconcile flows and explain them internally and to counterparties.
  • Reconciliation-ready transaction and balance views
  • Exportable reports for finance, tax and audit
  • Configurable roles and access control

Payment rails, connected through one architecture.

PayQuanta does not replace your banks or PSPs – it connects them in a coherent, governed way so your business, partners and regulators see the same picture.

Card acquiring high-risk merchant processing

Multiple acquirers and card-processing setups routed via one logic, tuned to BINs, regions and risk appetite.

Alternative payment methods as trading platform payments

Local APMs and wallets integrated as part of a single APM layer, not as one-off additions.

Bank & account-to-account

Bank transfers, pay-ins and pay-outs aligned with your treasury and settlement structures.

Crypto rails*

Crypto-fiat EMI payment flows via regulated partners, strictly for payment use cases and subject to risk and jurisdiction checks.

How we work with you.

A structured onboarding that starts from your model and counterparties – not from generic product features.
1

Model & rails mapping

We analyse your verticals, countries, volumes and existing partners to understand what is realistic and where the gaps are.
2

Architecture workshop

Together we design flows, wallet structures and responsibilities that can be explained to banks, EMIs and regulators.
3

Configuration & integration

We configure routing, wallets, limits and reporting, then integrate with your stack and selected partners.
4

Go-live & ongoing support

We stay involved as your flows evolve, counterparties change and new verticals or regions come into scope.

Who PayQuanta is built for.

We focus on businesses where payments are mission-critical and where banking relationships, compliance and governance matter as much as conversion.

PSPs & payment institutions

Add new rails, APMs and wallet logic over your existing infrastructure without breaking your current merchant base.

FX, trading & brokerage

Structure account funding, wallets and withdrawals in a way that can be understood by banks, EMIs and internal risk teams.

Platforms & marketplaces

Manage balances for multiple sellers, partners or users and release funds based on clear, documented rules.

Payment-intensive merchants

Move from a single-PSP setup to a governed multi-rail architecture without losing operational control.

High-risk & niche verticals*

Use a structured architecture to make complex verticals more acceptable to partners and easier to explain.

Advisors & partners

Work with us to design realistic payment setups for your clients, backed by operational tools and ongoing support.

Risk, compliance and governance built in.

PayQuanta is not just a technical layer. It is designed to help you maintain credible relationships with banks, EMIs and regulators over time.

Governed architecture, not a workaround.

We start from what your counterparties can accept. Wallet structures, flows and reporting are designed to withstand scrutiny from risk, compliance and finance teams. Documentation, diagrams and narratives help internal and external stakeholders understand how money moves and who is responsible at each step.

AML, sanctions ,crypto considerations and liquidity routing.

Crypto-related flows, where available, are provided only through regulated partners and are subject to KYB, risk scoring, jurisdictional limits and ongoing monitoring. No speculative trading or custody services are offered by PayQuanta. The focus is on payment-related use cases that support your underlying business model.

Frequently asked questions.

A few of the questions we typically address in early conversations with PSPs, FX platforms, banks and complex merchants.
Are you a bank or EMI?
No. PayQuanta is a payment gateway and wallet layer that works together with banks, EMIs, PSPs and other regulated partners. Regulated activities remain with those institutions.
Can you work with our existing PSPs and banks?
In many cases yes. We map your current partners and flows, then design an architecture that uses them more effectively, while allowing for additional rails where appropriate.
Do you support high-risk or niche verticals?
We specialise in complex and higher-risk verticals, but always within the boundaries of what banks, EMIs and regulators can accept. Part of our work is to say “no” when something is not realistic.
What is the best way to start?
The best first step is an architecture workshop. We review your business model, rails, partners and constraints, then propose a realistic multi-rail, wallet-based setup and next actions.