Funds transfer & payments
Payment processing, connected funds accounts, and privacy-protected transaction data.
Raytio Payments connects the platform to external payment processors, represents the payment instruments customers use, and records accounts retrieved from account-information providers - balances, parties, statuses and transactions. Account and transaction data is exposed through privacy-protected views, so financial detail can be shared without leaking exact identifiers or positions.
Capabilities
Processors register as named providers; keys and secrets are managed separately so credentials rotate without changing the processor.
Cards, direct debits, wallets and transfers are stored without full numbers. Only the last four digits, a fingerprint and a processor token are kept.
Address, postal-code and CVC verification results are recorded per method, along with 3-D Secure support.
Accounts retrieved from providers follow open-banking patterns for status, currency, usage and type.
Access consents record the provider, granting institution, permission set and access period before any data is retrieved.
Balances follow standard balance types, and each transaction carries full detail.
- Amounts and a running balance.
- Dual provider and institution references.
- Standardised categorisation.
- Currency conversion detail.
Public views protect privacy in four ways.
- Identifiers are replaced with privacy-safe values.
- Amounts are rounded.
- Timestamps are reduced to dates.
- Free-text descriptions are omitted.
Notable details
Every transaction carries a three-level bank transaction code plus a merchant category code.
Provider and institution references allow reconciliation between two views of the same transaction.
Part of Operate · Read the documentation →
Verified customers, protected data, and agents you can hold to account.