Route every payment
through the smartest rail.
SmartyRails is an intelligent multi-rail switching platform that chooses the optimal route for every cross-border payment—balancing cost, speed, compliance, and risk across Visa, Mastercard, SWIFT, Thunes, local instant payment networks, wallets, and more.
Zero-risk pilot • Existing rails stay live • Deploy in weeks, not months.
LIVE OPTIMIZATION
Everything you need to orchestrate global payments.
SmartyRails sits between your channels and global payment rails. It evaluates cost, speed, success-rate history, compliance requirements, and risk scores—then routes each transaction through the optimal path automatically.
Smart Multi-Rail Routing
Real-time decision engine that picks the best rail for each transaction based on rules, data, and AI-enhanced scoring.
- Optimize for cost, speed, or success-rate—per corridor.
- Fallback and retry rules for failed or delayed payments.
- Custom business logic by country, amount, or customer type.
Unified Global Connectivity
One API connects you to the world’s leading rails and local networks—no more separate integrations or bespoke connectors.
- Visa Direct, Mastercard Cross-Border, SWIFT gpi, Thunes.
- Local instant payment systems (SEPA, PIX, FPS, Gulf & MENA networks).
- Digital wallets, mobile money, bank cores and ledgers.
Built-in Compliance & KYC/KYB
Reduce regulatory risk with embedded identity verification, sanctions screening, and AML rules—all orchestrated centrally.
- ID, document, and biometric verification providers.
- Sanctions, PEP, and watchlist screening.
- Configurable AML rules and velocity checks with full audit trails.
Fraud Detection & Risk Scoring
Orchestrate fraud engines and signals into a single risk decision per transaction.
- Device, behavior, and geolocation intelligence.
- Multi-engine fraud scoring with custom thresholds.
- Dynamic throttling for risky corridors and users.
Monitoring & Analytics
Full visibility across rails, countries, and partners with live dashboards and detailed reporting.
- Performance and success-rate by rail and corridor.
- Operational alerts and anomaly detection.
- Exportable reports for finance, compliance, and product teams.
Easy Integration, Enterprise-ready
Designed for banks, PSPs, and fintechs that require reliable, secure, and scalable infrastructure.
- Single modern API with SDKs and sandbox.
- Modular connector framework and webhooks.
- Cloud, hybrid, or on-prem deployment options.
From payment request to optimally routed settlement.
SmartyRails evaluates every transaction in milliseconds, combining your business rules with data from rails, fraud engines, and compliance services to make the best routing decision.
Your system sends a payment request to SmartyRails via a unified API. We normalize formats, currencies, and metadata.
We score available rails based on live fees, FX, settlement time, capacity, corridor history, and your configured priorities.
Parallel KYC/KYB, AML, sanctions, and fraud checks are run with your chosen vendors and rule engines.
The optimal rail is chosen and the payment is executed with built-in failover, retries, and full event logging.
Plug into global rails and risk tools with a single platform.
Out-of-the-box connectivity to leading card schemes, bank networks, payout partners, and compliance engines. Your team focuses on products, not plumbing.
SmartyRails can orchestrate your existing vendors—fraud engines, KYC tools, core banking systems—while adding new rails at your own pace.
What you get with SmartyRails
- Single technical integration instead of multiple direct connections to Visa, Mastercard, SWIFT, local rails, and wallets.
- Configurable routing strategies for cost, speed, risk, or blended optimization—per country, corridor, or product line.
- Centralized compliance layer across all rails, reducing duplicated work for AML and audits.
- Future-proof architecture for adding new payout partners or regions in days instead of months.
Built for banks, PSPs, and ambitious fintechs.
Whether you’re a bank modernizing cross-border payments, a PSP scaling to new markets, or a fintech building global products, SmartyRails gives you an enterprise-grade orchestration layer from day one.
Book a demo of SmartyRails.
Tell us a bit about your current cross-border setup and target markets. We’ll walk you through a tailored demo and model the impact of multi-rail routing on your corridors.
What to expect from a demo
- Deep dive into your current payment flows and pain points.
- Live walk-through of routing, compliance, and risk orchestration.
- Example of how SmartyRails could reduce costs and improve speed on your key corridors.
- Implementation timeline, architecture options, and next steps.
We’re currently onboarding a limited number of banks, PSPs, and fintechs as early design partners. If accepted, you’ll receive dedicated solution design support and priority on feature requests.