Available PayNotes
Programmable payment agreements for banks, processors, and fintech platforms.
Why PayNotes
Digital payment agreements all parties trust: payer, payee, and a guarantor.
Payer
Knows what they pay for and when.
Payee
Knows what to deliver to get paid.
Guarantor
Follows the rules exactly.
Available PayNotes
Explore types and scenarios.
Card Payment PayNote
✓ AvailablePayer:Customer
Payee:Merchant
Guarantor:Regulated Provider
“Card auth → conditional capture”
Card Marketplace PayNote
✓ AvailablePayer:Customer
Payee:Seller
Guarantor:Marketplace
“Marketplace-guaranteed buyer protection”
Push-to-Card PayNote
✓ AvailablePayer:Merchant
Payee:Customer card
Guarantor:Regulated Provider
“Instant payout to card”
Merchant Transfer PayNote
✓ AvailablePayer:Merchant A (from payouts)
Payee:Merchant B
Guarantor:Regulated Provider
“Reserve & release from settlement”
Custom PayNote
✓ AvailablePayer:Any
Payee:Any
Guarantor:Any trusted party
“Bring-your-own guarantor”
Bank Transfer PayNote
⏳ Coming SoonPayer:Customer
Payee:Merchant
Guarantor:Your Bank
“A2A transfer with conditions”
How PayNotes Work
See the full flow of a conditional payment agreement.
You ask for a professional hair dryer with constraints. The assistant lists eligible shops to contact.
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