A payment business is defined less by what it supports today than by how quickly it can support the next thing a customer asks for, and the demand rarely waits. A merchant signs on who settles in a currency you do not yet hold. A client expands into a market where customers reach for a local wallet long before a card. A treasury team wants payouts in near-real time rather than a wire that takes days. Each of these can become a commercial opportunity, but only if the right integration is already in place.
The cost of that delay is often bigger than the initial build effort. Connecting a new provider means building against an unfamiliar API, certifying it and handling its particular behaviour around deposits, withdrawals and refunds. Then you maintain it indefinitely, as the provider keeps changing things underneath you.
One provider is a manageable project, but the dozens you need to stay competitive across multiple markets become one of the largest costs in the business. The impact often shows up gradually, through markets, merchants or methods the business cannot support quickly enough.
This is the gap we built the integration layer to close. We brought several new integrations live this quarter, across real-time bank rails, local methods, crypto and risk tooling, and what follows walks through it by region and by what each part changes for you. The more incremental work, such as additional card providers and HPP wrappers, is not covered here.
Europe and Australia: real-time bank rails
Account-to-account payment has moved from a niche alternative into something you can build around, and the reasons are practical rather than fashionable. There is no interchange, there are no chargebacks, and settlement is instant or same-day rather than landing three days later. If you are watching your cost of acceptance, that is worth a close look. The appeal was never the difficulty; the fragmentation underneath it was. Every market, and often every individual bank, exposes its own standards, redirect flows and cut-off times, so reaching account-to-account at any real scale has meant absorbing that complexity yourself, one bank and one market at a time.
- Token.io covers Open Banking payment initiation across 21 European markets through a single connection, with Token.io reporting reach of over 567 million bank accounts and success rates averaging above 95% in its top markets. If your European merchants want Pay by Bank as a genuine checkout option, this is the widest single point of access available, and the reach arrives pre-assembled rather than built bank by bank.
- Monoova is the Australian equivalent, and one of the most experienced PayTo providers in that market. It brings PayID and PayTo for real-time bank payments, alongside Account Transfer and Wallet Transfer for internal ledger management, so you get both the inbound rail and the back-office movement that usually have to be solved as separate problems.
Asia-Pacific: meeting customers on the methods they use
Card penetration across Asia-Pacific is uneven, and in many of these markets the card is simply not what customers reach for first. They use local wallets, QR codes and direct bank transfers, and that preference is well established. When customers prefer local wallets, QR codes or bank transfers, card-only coverage can create unnecessary friction at checkout. In these markets, coverage means supporting the methods customers already use.
- Einpays opens up Malaysia and South Korea with five local wallet and QR deposit methods, among them TouchN'Go, DuitNow, KakaoPay, PayCo and NaverPay, plus local bank transfer for withdrawals across MYR and KRW. It closes the distance between a card-first stack and the way customers there prefer to pay.
- NEPay covers Card-to-Card and QR Pay native to China, Vietnam and Thailand, flows that standard card acquiring cannot reach at all, so you can serve those markets directly rather than write them off.
- PagSmile consolidates a wide footprint into a single connection, carrying Alipay for China deposits, WeChat Pay across a broad international range, and PagSmile Vault, a tokenised wallet covering Latin America, Africa, MENA and Asia. That puts substantial emerging-market reach into one place to maintain rather than several.
- Paywho handles the payout side at scale, delivering B2C and C2C bank transfer payouts across 17 currencies from one integration, reaching from Kazakhstan through to Japan, Australia, New Zealand and Canada. That breadth matters most where card payout is unreliable, since settling in local currency over local rails is often the only practical way to pay recipients in those markets.
Latin America, Turkey, and underserved markets
Some markets are effectively gated by one or two dominant local methods. Support them and you can process; miss them and your presence stays theoretical, however strong the rest of the stack is. In these markets, the local method is the market.
- Unipay brings Argentina's dominant methods together in one integration, pairing direct bank transfer in ARS with Mercado Pago and Modo by redirect. If you serve Argentine merchants, that is the line between nominal coverage and the ability to actually convert.
- Pixyfast covers Turkey through Havale, the inter-bank wire system that customers there expect to use rather than the card. It handles TRY deposits and withdrawals and returns provider IBAN details directly in the response, sparing you the disproportionate effort of building that connectivity for a single market.
- MoneyMania reaches Azerbaijan, a market most global PSP stacks leave uncovered, with AZN and EUR card infrastructure and full deposit, withdrawal and refund support. Its value is in that rarity, since coverage is most useful exactly where alternatives are thin.
Crypto and US payouts
Two shifts shape this group. Crypto rails are maturing into genuine settlement infrastructure rather than a speculative add-on, and US payouts increasingly call for a spread of disbursement options rather than a single default. Together, the integrations here reflect a broader move toward giving recipients their money in whatever form they want it.
- Voltage enables near-instant, low-fee Bitcoin deposits and withdrawals on the Lightning Network. In January 2026, Voltage powered a $1 million transfer between Secure Digital Markets and Kraken, reported as the first publicly disclosed seven-figure Lightning payment, which shows the rail holds up at institutional scale rather than only for small transfers.
- ElenPay extends that into more mainstream territory, combining Bitcoin on-chain, Lightning and CashApp in a single integration, with deposit and withdrawal across all three. The CashApp support makes it a natural fit if you serve a younger, digital-native US base.
- MassPay consolidates five US disbursement rails into one connection, covering ACH, RTP, PayPal, Venmo and crypto. You can then offer every major option a US recipient is likely to want without wiring up each preference separately.
Risk and anti-fraud
The integrations above widen where and how you take in and send out money. The last two work differently, sitting behind the entire payment flow regardless of which method a transaction uses. They speak to something you already know, that acceptance without control is a liability, and that fraud and chargebacks erode the margin growth is meant to build. Expanding into new methods and markets increases your exposure as a matter of course, which is why the risk layer has to scale alongside the acceptance layer rather than lag behind it. Building that decisioning logic in-house is a substantial undertaking, and these integrations make it configurable instead.
- Neutralize is a transaction-level decision engine. It evaluates each transaction against configurable rule sets, such as velocity limits, geography restrictions and value thresholds, and returns a pass or fail before the payment proceeds. What sets it apart is that it decides in the flow rather than routing flagged transactions into a manual review queue, so you get programmable control over your payment logic without building the layer yourself, and risk management does not become a bottleneck as volume grows.
- Covery covers the wider lifecycle as a Dow Jones-certified risk and anti-fraud platform. It runs KYC and AML checks in under a second, drawing on a global reputational knowledge base of over 400 million user identifier records, with device fingerprinting at the point of interaction, card tokenisation, real-time transaction scoring and status feedback. Covery reports that businesses typically see a 62% reduction in chargebacks and a 79% increase in fraud declines after implementation, fewer chargebacks alongside more fraud caught, which protects both your scheme standing and your bottom line.
The bigger picture
Every integration here is development time you do not have to spend. paytech is the gateway and orchestration layer you run your payment business on, and each new integration becomes part of the platform's shared ecosystem. Where the provider setup, commercial terms and configuration allow, an integration built for one client can be enabled for another. A connection that exists because one operator needed a particular market may be exactly the one you switch on next. Coverage grows with the platform, and you are not building or maintaining it alone.
The effect is a shift in the question you face, from whether you can build something in time, to which of the available options you switch on. The limiting factor becomes your commercial readiness rather than your engineering capacity.
This quarter's additions point to where the coming ones are likely to go, with deeper local coverage where cards were never the default, more account-to-account rails as Open Banking matures, and risk tooling that keeps pace with the volume those methods bring in. None of it is fixed in advance, since what gets built is decided by what merchants are signing for and what you tell us you cannot yet reach. That is why the roster reflects real demand.
We will cover whatever lands next quarter in the following roundup. The full, current list of what paytech connects to lives in the PSP Integrations Catalogue, the in-product registry you browse by payment method, provider, supported operation and country, where each new integration appears the moment it goes live.
