Unify Bill Pay, AR, P2P/A2A, Cross-Border, and Custom Payment Workflows under your brand. Bring daily financial activity, member engagement, and deposit flow back into your ecosystem.
More than 80% of digital transactions occur outside traditional FIs. PayOnward brings daily interactions back into your ecosystem and restores ownership of payments, data, and engagement.
Automatically aligns payments with income and due dates.
Identifies potential issues before they impact members.
Provides timely guidance based on individual behavior.
Monitors activity in real time to flag unusual patterns.
When payments move to third-party apps, you lose visibility, data, and the primary financial relationship.
SMBs desire to pay vendors with one click or less
SMBs plan to move to another FI in a year due to lack of digital solutions
SMBs still doing accounts receivable (AR) manually
According to the PYMNTS July 2024 “Digital-First Banking Tracker® Series” Report
For decades, digital payments have been delivered through fragmented systems, manual workflows, and reactive tools that were never designed for how members and businesses actually manage money today.
PayOnward was created to change that.
Instead of layering AI onto legacy infrastructure, PayOnward was built from the ground up as an AI-native payment engine. Intelligence is embedded into every workflow, continuously learning from payment behavior, cash flow patterns, and risk signals to proactively guide decisions in real time.
This is the foundation that allows PayOnward to move from static payments to adaptive, predictive, and self-optimizing payment experiences for members and SMBs.
PayOnward is a fully AI-native payment engine designed to transform how Credit Unions deliver digital payments.
Every workflow benefits from embedded intelligence that:
Predicts cash flow
Aligns payments with income
Detects anomalies and fraud
Optimizes routing across FedNow, RTP, and ACH
Automates routine tasks
Delivers personalized insights for SMBs and members
On top of this engine, PayOnward offers modular AI agents that tackle specific member and operational needs:
Manage My Bills
Flex Inflow
Smart VendorPay
Smart Routing
Business Suite
Modernize SMB financial operations with AI-driven Accounts Receivable, intelligent SMB Bill Pay, cash flow predictions, vendor risk alerts, and accounting integrations.
Explore Business Suite
Individual Suite
Deliver a next-generation member experience with self-managing Bill Pay, instant P2P/A2A transfers, transparent Cross-Border payments, and personalized financial intelligence.
Explore Individual Suite
Custom Payment Solutions
Configure unique payment workflows – internal operations, disbursements, vertical-specific payments, and real-time routing – without costly custom development.
Explore Custom Solution
Leading credit unions trust our infrastructure to deliver modern payment experiences while maintaining absolute control and security.
Designed specifically to meet the operational, regulatory, and member experience needs of Credit Unions.
Supports modern and traditional payment rails, including FedNow, RTP, and ACH.
Configurable workflows reduce implementation time without heavy custom development.
Replace multiple point solutions with a single, unified payment platform.
Built to adapt as payment networks, regulations, and member expectations evolve.
Explore how AI-powered bill pay, P2P, and cross-border flows fit into your institution’s strategy.
