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Unique Demands, Flexible Solutions

Digital Payments Toolkit

Payment innovators want maximum flexibility to design and implement their own solutions. Limited variations in product offerings shouldn’t stand in the way.

QRails’ Digital Payments Toolkit enables financial innovators to design, build, and implement a payment solution that truly fits their specific needs. Our modular, comprehensive, and API-driven suite of core functions, additional features, and support services are designed to enable cutting-edge payment solutions that meet the specific needs of fintechs, credit unions, banks and other payment innovators. The QRails team offers unrivaled domain knowledge to clients in both North America and Europe. Access our extensive, RESTful API library and go live in as little as 45 days.

Flexible B2B Payments

  • Virtual cards: single load and reloadable, instant, just-in-time creation and delivery
  • Physical cards:  QRails has integrations with most leading manufacturers in US and Europe
  • Instant debit: instant payment to a US debit account, 24 hours a day, 7 days a week
  • Same day ACH: fast payment to a US bank account
  • Faster payments: instant payment to a UK bank account, 24 hours a day, 7 days a week
  • eChecks: electronic checks driving ACH transfers
  • Checks: QRails is integrated with a physical check processor

Earned Wage Access (AnyDay)

Enable employees to request instant payment for work performed via their existing Human Capital Management (HCM) or Workforce Capital Management (WFM) platform

QRails’ Earned Wage Access Solution keeps financial wellness at the forefront for both the employer and the employee.  The ability to empower employees to receive payment for work performs helps strengthen your relationship with the employee and enhances the employees lifestyle. The QRails Earned Wage Access platform seamlessly integrates with an employer’s existing Human Capital Management (HCM) or Workforce Capital Management (WFM) solution, with simple, one-time activations, requests, and alerts for the employee. Our solution includes an employer portal where spending limits, risk controls, and reports are easily accessible. Multiple choices of payment are also available, including payments by bank deposits, prepaid cards, and mobile wallet accounts.

Business Continuity Processing

Reliance on a single processor creates business and reputational risk. Having a back-up processing solution means never having to worry about your application going down.

QRails’ Business Continuity Processing Services means outages and operational incidences do not have to disrupt the day-to-day services offered by fintechs and financial service providers. Our solution allows for a continuously available alternative processing infrastructure. The switchover is seamless and the cardholder and issuer experience are unaffected; as is that of any security and compliance requirements. Both program management services and client reporting remain intact as well. This solution is low cost, fast and easy to implement.

Just in Time Funding

Making payments in high volumes and looking to mitigate balance sheet and operational burdens?

QRails’ Just in Time Funding Solution addresses the high-volume, high-velocity payment needs of today’s supply chain managers, gig economy workforce employers and innovative lenders. With QRails, payors can fund accounts at the time of the transaction, pay via a single-user virtual card, prepaid account, real-time payments, and integrate with POS for e-commerce or retail applications.