PayAlma

PayAlma provides white-label payment processing infrastructure for PSPs, ISOs, banks, and platforms serving high-risk verticals. Operated by Palmex Group Inc., a FINTRAC-registered MSB in Canada.

What we do

• Card processing across multiple acquirers with intelligent transaction routing

• Local payment rails: UPI and IMPS (India), PayID (Australia), ACH (US), and more

• Smart gateway redundancy — traffic reroutes automatically when an acquirer degrades

• Fully white-labeled: your brand, your merchant relationships, our infrastructure

Why partners choose us

• Higher approval rates. Multi-acquirer routing means a decline on one path isn't a lost transaction.

• No single point of failure. Redundancy is built into the routing layer, not bolted on.

• Local rails included. Enter new markets without negotiating acquiring relationships one by one.

• Compliance credibility. FINTRAC-registered MSB, built for verticals other processors decline.

Who we serve

PSPs and ISOs expanding their merchant book, plus platforms in forex, iGaming, P2P trading, nutra, and CBD.

Getting started

Onboarding runs through a single technical integration. Routing rules, acquirer mix, and supported methods are configured to your portfolio — no re-integration when you add markets or acquirers.

PayAlma's gateway is the technology layer PSPs, ISOs, and banks deploy under their own brand. You own the merchant relationship and the interface; we run the routing, connections, and uptime underneath.

What's included

• Fully white-labeled merchant and admin dashboards under your domain and branding

• Smart routing engine with cascading retries across connected acquirers

• Hosted checkout, payment links, and API/SDK integration options

• Tokenization and vaulting, recurring billing, and multi-currency support

• Real-time reporting, reconciliation, and automated settlement

Why partners choose us

• Time to market. Deploy a production gateway in weeks instead of running a multi-year build.

• Redundancy by design. Traffic reroutes automatically when an acquirer degrades — no manual failover.

• Acquirer-agnostic. Bring your own acquiring relationships or use ours. Adding one doesn't mean re-integrating.

• Built for high-risk. Risk rules, velocity controls, and chargeback handling tuned for verticals other gateways decline.

PayAlma's wallet infrastructure lets platforms hold, move, and settle funds for their users without building ledger and treasury systems from scratch. Operated by Palmex Group Inc., a FINTRAC-registered MSB in Canada.

Core capabilities

• Multi-currency wallet accounts with real-time balance and transaction ledger

• Instant internal transfers between wallets — no rail cost, no settlement delay

• Top-up via cards and local rails (UPI, IMPS, PayID, ACH)

• Payouts to bank accounts, cards, and local methods across supported markets

• KYC/KYB onboarding flows, tiered limits, and AML monitoring built in

• Full API access, plus dashboards for operations and reconciliation

Why it matters

• Funds stay in your ecosystem. Internal transfers settle instantly and cost nothing to move.

• Payouts are the hard part. Local disbursement rails are already connected — the piece most wallet projects underestimate.

• Compliance is included. KYC, limits, and transaction monitoring ship with the ledger, not as a separate integration.

• Faster settlement cycles. Real-time rails change the working capital math for both you and your users.

Who it's for

Marketplaces and platforms paying out to users, P2P trading venues, brokers managing client balances, and PSPs adding stored-value products to their offering.

PayAlma enables merchants and platforms to accept cryptocurrency payments and receive settlement in fiat or stablecoin, with on-chain risk screening applied before funds are accepted. Operated by Palmex Group Inc., a FINTRAC-registered MSB.

Core capabilities

• Acceptance across major chains and stablecoins (BTC, ETH, USDT, USDC)

• Settlement to fiat, stablecoin, or a mix — configurable per merchant

• Volatility protection through rate locking at the point of payment

• On-chain analytics and wallet screening on every incoming transaction

• Crypto payouts and off-ramp to local bank rails

• Unified reporting alongside card and local-rail volume

Why it matters

• No crypto exposure unless you want it. Rate lock at checkout and automatic fiat conversion mean you quote in your currency and get paid in it.

• Screening is not optional. Wallet risk scoring and sanctions checks run before acceptance, not after.

• Genuinely borderless. Crypto reaches customers in markets where card acceptance is unreliable or unavailable.

• One reporting surface. Crypto volume sits next to card and local-rail volume rather than in a separate system.

• Regulated operator. FINTRAC-registered MSB, with AML controls applied to digital asset flows.

Who it's for

High-risk merchants in forex, iGaming, and P2P trading, plus platforms serving customers in markets with limited banking access.

PayAlma connects merchants and platforms to domestic payment rails in the markets they sell into, so customers pay the way they normally pay instead of defaulting to a card.

Coverage and capabilities

• India: UPI, IMPS, net banking

• Australia: PayID, POLi, bank transfer

• United States: ACH

• Brazil: PIX

• Local acquiring and domestic settlement where available

• Bank-rail payouts and refunds through the same connections

• One integration covers every method — adding a market doesn't mean adding an integration

Why it matters

• Conversion follows habit. Anything that isn't a market's default checkout method gets treated as friction.

• Better approval rates. Domestic rails aren't screened as cross-border risk, so fewer good transactions get declined.

• Lower cost per transaction. Bank-to-bank rails are structurally cheaper than international card interchange.

• Faster settlement. Real-time local rails clear in seconds rather than days.

• Expansion without the buildout. Local acquiring relationships normally take months to negotiate per market.

Who it's for

Merchants entering new geographies, PSPs and ISOs expanding coverage for their merchant book, and platforms serving customers across multiple regions.

Beyond the technology, PayAlma provides the operational side of payments: merchant onboarding, acquirer placement, risk management, and settlement — with a focus on verticals that struggle to get and keep approval elsewhere.

What we handle

• Merchant account setup and placement with acquirers matched to the risk profile

• KYC/KYB onboarding and underwriting support

• Routing strategy and acquirer mix configuration, tuned per merchant

• Chargeback management, dispute handling, and representment

• Fraud screening, velocity controls, and transaction monitoring

• Settlement, reconciliation, and multi-currency payouts

• Ongoing account management as volume and market mix change

Why it matters

• Placement is the bottleneck. Getting approved is harder than getting integrated, and it's where most high-risk merchants stall.

• Approval isn't the finish line. Accounts get closed. Redundancy across acquirers means one termination isn't an outage.

• Chargebacks decide longevity. Active dispute management keeps ratios inside acquirer thresholds.

• Regulated operator. FINTRAC-registered MSB under Palmex Group Inc., with AML controls applied throughout.

Who it's for

Forex brokers, iGaming operators, P2P trading platforms, nutra and CBD merchants, plus PSPs and ISOs that need underwriting and risk support behind their own offering.