About us

Payment Rails is the next-generation API-first payouts platform that enables businesses to send payments to any individual or company in over 220 countries, in any currency and to any payment method. Through its powerful API, businesses can access Payment Rails’ global banking, international ACH, faster payment systems and real-time networks, on a pay-as-you-go basis with no setup costs.

Payment Rails’ infrastructure leverages Blockchain and Ripple to optimize treasury and liquidity management, and utilizes AI and machine learning to optimize payment routing based on speed, cost, partner, and FX rates. Payment Rails also incorporates AI and fuzzy logic for AML watchlist screening, and machine learning for fraud detection to deliver one of the most advanced payment platforms for businesses available.

Payment Rails simplifies global mass payouts for online marketplaces, on-demand and share economy platforms, ad networks, affiliate platforms, app stores, and growing businesses with international payout needs.


Payment Rails was founded in 2015 by a team of passionate financial technology and payments geeks that get up every day and go to work to fix a problem that nearly all businesses experience: sending international payments. Hassle free and without all the hidden fees.

We believe that through innovation and technology (and heaps of hard work) we can build a great payouts experience that businesses can offer to their users - a much better way of doing it at a fair and transparent price.


Payment Rails is a proudly Canadian business with offices in Toronto and Montréal.

Canada has been ranked by the World Economic Forum as having the world's most soundest banking system for the past 8 years.

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