Launch Request to Pay services in weeks, not years
White-label infrastructure that enables instant payments, creates new revenue streams, and retains merchant relationships. Zero capex, full regulatory compliance, launch in weeks.
Built for banks ready to lead
Proven payment platform designed for regulated environments
Grow non-card payments revenue
Turn SEPA Request-to-Pay and instant payments into a priced merchant service with bill presentment, e-invoices, instalments and recurring flows. Replace shrinking card economics with new, scalable account-to-account fee income.
Deliver what corporates actually want
Provide corporates with RTP-based solutions that improve cash flow and working capital: payment certainty, structured invoice data, easier reconciliation and flexible due dates or instalments. Integrate these capabilities directly with their ERP and treasury systems.
Defend your merchant franchise in an A2A world
Offer Pay-by-bank-like, programmable A2A services under your own brand instead of leaving the checkout to wallets and PayTechs. Keep merchant relationships, data and economics on your rails as real-time A2A volumes grow.
Standardised and scheme-compliant by design
Use an ISO 20022-native platform fully aligned with the SEPA Request-to-Pay rulebook. Implement RTP once with standardised messages and workflows that interoperate seamlessly across the SEPA ecosystem.
Partner with an agile, low-lock-in provider
Combine bank-grade security with startup-level speed, flexibility and responsiveness. Our modular architecture and open APIs avoid heavy vendor lock-in and let you evolve your RTP offering as the market changes.
Launch in months, not years
Plug a modular, API-first RTP layer into your existing cores instead of running 18-24-month build programmes. Reduce capex and delivery risk while keeping full control over the customer experience in your own channels.
Launch Request to Pay services in 8-12 weeks
From discovery to full launch with white-label infrastructure. We handle the technology, you own the merchant relationships.
Discovery & scoping
Assess your payment setup and define a go-to-market strategy. We tailor the solution to your bank, map integration with core systems, and build an implementation roadmap.
Technical integration
Connect ToriiPay to your core banking via secure APIs. Configure white-label branding, set up merchant onboarding, and complete full sandbox testing.
Pilot launch
Go live with select merchant partners. Fine-tune processes based on real transactions, gather merchant feedback, and train your internal teams on operations and support.
Full launch & scale
Roll out Request to Pay services to your full merchant base. Access ongoing technical support, regular feature updates, and dedicated partnership management as you scale.
Security and compliance built in, not bolted on
Built on European standards from day one. Solution that meets the highest banking requirements.
Built for partnership,designed for your success
White-Label benefits
Revenue model
Technical integration
Ongoing support
See how banks are using ToriiPay as adventage
E-invoicing
The biller initiates the request from ERP system, banking platform, or by providing an invoice with a QR code.
Banks provide customers with corporate banking functionality for sending requests and initiating payments via scanned QR codes from invoices.
Recurring payments
The biller bundles requests for one-off acceptance or sends automated requests triggering automated customer approvals.
Banks offer customers a new payment method alternative to direct debit, giving more financial control with logic provided by technical solution providers.
E-commerce
At checkout, the customer selects request to pay as their payment method, enabling seamless one-tap payment for default users.
E-commerce requests create new revenue streams versus open banking APIs, with additional opportunities for offering payments by instalments to customers.
Point of sales
The request is initiated at the checkout counter via QR code or NFC exchange, enabling instant payment confirmation.
Bank could transform mobile banking app into mPOS devices allowing merchants, being bank customers, to initiate requests without any other devices required.
Frequently asked questions
Clear answers to help banks understand our instant payment infrastructure
What is white-label deployment?
You brand the entire customer experience - from payment requests to merchant dashboards. We provide backend infrastructure and technical support. Your customers see only your bank's brand. You control customer relationships and data.
How secure is the platform?
We meet European banking security standards: ISO 20022-native, SEPA-compliant, PSD2/SCA-aligned, bank-grade encryption. Every transaction is authenticated and logged. We undergo regular security audits and penetration testing. Your compliance team can review our security documentation.
Can we customize the solution?
Yes. White-label UI/UX, custom workflows, integration with your existing systems, configurable business rules. We work with your team to adapt the solution to your specific needs and banking processes.
What support is available?
Dedicated partnership manager, 24/7 technical support, regular business reviews, compliance updates, and feature roadmap input. We treat you as a strategic partner, not just a client.
How fast is implementation?
Most banks go live in 8-12 weeks: 2 weeks discovery, 4-6 weeks integration, 4 weeks pilot. Timeline depends on your internal systems complexity and change management process. We've had banks launch in as little as 6 weeks.
What about data ownership and customer relationships?
You own all customer data and relationships. We process transactions securely but you control the data. Merchants are your customers, not ours. We never compete with our banking partners for customer relationships.
Ready to launch Request to Pay services?
Discover how ToriiPay can help you launch instant payments and create new revenue streams