AiPay is an AI-optimized cross-border payment infrastructure — multi-currency accounts, bulk payments, a self-reconciling ledger and open APIs, built to cut cross-border payment costs by up to 80%.
Whether you run a travel platform, trade cross-border, manage overseas payroll, or run corporate finance — AiPay routes each payment through the fastest compliant path automatically.
Multi-currency settlement, deposit management and real-time rate locking for travel platforms and hotel groups — cutting exchange losses and manual reconciliation.
Local account opening, dual SWIFT/SEPA channels and rate locking for trade enterprises — collection costs down 80%, arrival time down to T+1.
Batch cross-border salary transfers with automatic multi-country tax compliance — shrinking disbursement time from 3 days to 2 hours.
Visa / Mastercard physical and virtual cards with batch issuance, spend controls and real-time reconciliation — no more manual reimbursement.
From accounts to ledgers, from payments to APIs — AiPay covers every daily need of a modern finance team, with AI routing underneath every transfer.
Open local accounts in major global financial centers for local collection and settlement — eliminating intermediary bank fees and exchange rate loss.
Learn detailsUpload a spreadsheet or integrate via API to process hundreds of outgoing payments at once — payroll, supplier settlement, commission distribution.
Learn detailsA built-in multi-currency, double-entry ledger engine maps every transaction automatically and generates IFRS/GAAP-ready reports — saving 80% of month-end time.
Learn detailsComplete REST API documentation, webhook push and SDKs for Node, Python, Java and PHP — integrate your business system with AiPay, typically live in 3 days.
View docs"After connecting to AiPay, our OTA platform's cross-border settlement efficiency increased fivefold, and exchange loss dropped from 2.1% to 0.3%. Our finance team saves 200+ hours a month."
"It used to take 3–5 days to remit through traditional banks. With AiPay it arrives T+1, and the fee is a fifth of what it was — genuinely cost effective."
"We manage 3,000 outsourced employees across 5 Southeast Asian countries. AiPay compressed monthly payroll from 3 days to 2 hours — the HR team can finally clock out on time."
Have more questions? Our enterprise support team usually responds within 2 hours.
You'll typically need a business license, legal representative ID, director and beneficial-owner information, and proof of a corporate bank account. KYB verification usually completes in 1–3 business days; larger enterprises or complex ownership structures may take 5–7 days. A dedicated onboarding consultant assists throughout.
AiPay holds an MSB (Money Services Business) license. Customer funds are strictly segregated from operating funds and held with licensed custodian banks. All transactions are supervised by the relevant financial regulators, giving corporate funds legal protection.
AiPay supports remittances to 180+ countries and regions, and collection/payment in 50+ currencies — including USD, EUR, GBP, HKD, SGD, JPY, AUD, CNH, plus Southeast Asian currencies such as THB, VND, PHP, MYR and IDR.
AiPay provides full REST API documentation for integration with SAP, Oracle, Kingdee, Yonyou, QuickBooks and more, along with webhook notifications and batch reconciliation exports (CSV/Excel/MT940). No-code integration tools are also available, and our technical team typically completes integration within 3 days.
AiPay is transparent: no monthly fees, no account management fees, no minimum balance. Charges come only from remittance fees (starting at 0.3%) and exchange rate spread, close to real-time market rate — graded by enterprise size and monthly volume. Contact sales for a tailored quote.
Join 20,000+ enterprises trusting AiPay. Complete your account application in 3 minutes — a dedicated consultant follows up within 24 hours.
