B2B infrastructure · for licensed platforms

Peer to peer payment services — the infrastructure behind your platform.

topropay is the unified API and reconciliation layer that licensed financial-services platforms, marketplaces and money-transfer businesses use to build sender-to-recipient flows. We don't sell a consumer P2P wallet — we sell the rails behind one.

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Sender on your app topropay /transfers Push-to-card SEPA / Bacs ACH credit Crypto · VASP
One API · many recipient rails · per-transfer routing.
B2B infra
API for platforms building P2P, not a consumer wallet
Licensed only
Available to merchants holding the relevant operating licences
1 API
Send · Receive · Hold · Refund through one contract

Key benefits

Why platforms pick this peer to peer payment system shape

Four properties that show up the moment a licensed platform stops re-implementing each P2P rail and starts running them through one orchestration layer.

  1. 01

    Embed sender ↔ recipient flows in your product

    Expose send-from-A-to-B inside a licensed platform — marketplaces paying sellers, wallets moving balance between users, remittance products moving funds cross-border. topropay handles the per-rail mechanics; the platform owns the relationship with the end users.

  2. 02

    Multi-rail routing across card, bank rail and crypto

    A peer-to-peer payment can ride card (push-to-card via partner Visa Direct / Mastercard Send), bank rail (SEPA Credit Transfer, ACH credit, Faster Payments), or licensed crypto rails. The routing engine picks per recipient market, currency and speed requirement.

  3. 03

    PCI L1 vault and partner-licensed compliance

    PCI DSS Level 1 vault for the card legs, partner-licensed e-money / VASP / money-transfer authorisations for the held-balance and crypto legs. Each leg sits under the appropriate licence held by the platform or by a connected partner.

  4. 04

    Reconciliation across every P2P leg

    Send, receive, refund and dispute events normalise into one ledger. Each leg tagged with the rail it used, the connected partner, the fee schedule and the originating user / recipient reference for audit and regulator reporting.

How a peer to peer payment api call clears

From send instruction to settled transfer in five steps

What actually happens between the licensed platform's POST /v1/transfers and the recipient's account, wallet or card showing the receive entry.

  1. 01

    Platform authenticates the sender

    The licensed platform owns the user authentication and KYC. topropay's API takes the platform's auth context as the source of truth for who is sending.

  2. 02

    Send instruction issued

    POST /v1/transfers with sender ID, recipient identifier (handle, account, BIN, wallet, currency) and amount. The platform's idempotency key prevents double-spend on retry.

  3. 03

    Rail selected

    The routing engine picks the rail per recipient market and platform policy — push-to-card via partner, SEPA Credit Transfer, ACH credit, Faster Payments, or partner-routed crypto.

  4. 04

    Delivery + status events

    Signed webhooks fire on submitted, in-flight, delivered, failed and reversed. The platform updates its user-facing UI in real time off the same event stream.

  5. 05

    Reconcile + report

    Settlement files from each connected rail normalise into one ledger; per-transfer reporting feeds the platform's finance and regulatory reporting workflows.

Main use cases

Licensed platforms that build on peer to peer payment platforms infrastructure

Six recurring platform shapes that use the same underlying API with different routing configuration and connected-partner stacks.

  • Plat

    Marketplaces paying sellers in their preferred rail

    A marketplace pays sellers via push-to-card, SEPA Credit Transfer, Faster Payments or licensed crypto rails — per seller preference. The marketplace doesn't run a separate integration per rail.

  • Neo

    Neobanks and embedded-finance platforms

    Licensed neobanks and embedded-finance platforms expose 'send to friend' inside their app. topropay sits on the rails behind that send instruction.

  • Rem

    Licensed cross-border remittance products

    Money-transfer businesses with the right MTL / EMI / payment-institution licences route corridors through the connected rail panel — card-out, account-out or partner crypto.

  • Gig

    Gig economy payouts to workers

    Platforms paying gig workers (drivers, couriers, freelancers) via push-to-card same-day, or bank-rail next-day, with the worker choosing per payout.

  • Pool

    Group savings, splits and pools

    Apps that let users split bills, run group savings, or pool funds for a shared goal — held-balance leg sits with a partner-licensed e-money issuer; movements run through topropay.

  • Tip

    Tipping and creator payouts

    Creator platforms paying tips out to creators in their local rail, on the cadence the platform sets, with the rail picked per creator market.

Platform features

Capabilities behind the peer to peer payment solution layer

Twelve capabilities grouped into send / receive primitives, rails behind the API, and compliance / operations.

Send & receive primitives

  • Unified transfer API

    POST /v1/transfers with sender, recipient, amount, currency and idempotency key.

  • Recipient resolution

    Account number, IBAN, BIN, wallet address, partner-managed handle — resolved at submission time.

  • Held-balance support

    Partner-licensed e-money wallets for hold-and-forward flows when the recipient isn't ready to land funds immediately.

  • Reversal & refund

    Reversible while in-flight; refundable after delivery through scheme-specific or rail-specific recall mechanisms.

Rails behind the API

  • Push-to-card

    Partner Visa Direct and Mastercard Send connectivity for instant card-rail credits.

  • SEPA Credit Transfer & Bacs

    EU SEPA SCT / SCT Inst and UK Bacs / Faster Payments via licensed partner banks.

  • ACH credit

    US ACH same-day or standard credits via licensed partner ACH processors.

  • Licensed crypto rails

    Stablecoin and major-token corridors via licensed partner crypto gateways with VASP / MiCA-relevant authorisations.

Compliance & ops

  • Sanctions & AML alignment

    Sanctions screening on sender and recipient; AML monitoring tuned per platform's vertical and corridor risk profile.

  • Travel Rule support

    FATF Travel Rule metadata captured and forwarded via licensed partner crypto gateways where applicable.

  • Dispute & dispute-window timelines

    Per-rail dispute and recall windows surfaced in the dashboard; evidence-pack templates per dispute reason.

  • One reconciliation feed

    Sends, receives, fees, reversals and disputes normalised into one ledger; per-transfer audit trail with timestamps and actor identity.

Industry relevance

For licensed platforms across EU, UK, APAC and LATAM

topropay's peer-to-peer infrastructure is available exclusively to licensed platforms — neobanks, embedded-finance providers, marketplaces, licensed money-transfer businesses, EMI / PI / MTL holders and similar regulated counterparties. We do not onboard consumer-facing P2P apps without the relevant operating licences behind them.

Trust & compliance

Compliance posture across every P2P leg

One audited orchestration environment plus partner-licensed coverage for the held-balance, money-transfer and crypto legs.

PCI DSS Level 1
Card data (for push-to-card recipient resolution and reversal) captures into the platform vault before any acquirer sees it; sub-merchants inherit the posture.
Partner-licensed compliance
Held-balance, money-transfer and crypto legs sit with partner financial institutions holding the relevant EMI / PI / MTL / VASP / MiCA authorisations per jurisdiction.
SCA & PSD2 (EU)
Selective Strong Customer Authentication on the platform's authentication layer keeps user-initiated send instructions PSD2-compliant in Europe.
FATF Travel Rule (crypto)
Travel Rule metadata exchange supported on the crypto leg through licensed partner gateways; required for cross-VASP transfers above scheme thresholds.
Sanctions & AML alignment
Sanctions screening on sender and recipient; AML monitoring tuned per platform's vertical and corridor profile; SAR / STR support via partner banks where applicable.
Licensed verticals only
Available to licensed financial-services platforms, marketplaces, embedded-finance providers, MTL/EMI/PI-holders, gig platforms and similar businesses with the relevant operating authorisations. Grey and black-market verticals are out of scope regardless of integration shape.

Ready to build a P2P surface

Talk to us about the peer-to-peer infrastructure behind your platform.

A 45-minute platform review covers your licensing posture, the rails relevant to your corridors, the partner financial institutions you'd run behind, and a sandbox to test the transfer API against before any commercial commitment.

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Frequently asked

Platform questions about peer to peer payment services on topropay

Licensing requirements, rails coverage, sanctions / AML mechanics, balance-held vs send-only flows, and the practicalities of running P2P infrastructure through one orchestration layer.

  1. 01

    What does peer to peer payment services mean on topropay?

    Peer to peer payment services on topropay are delivered as B2B infrastructure: the platform exposes a unified API that licensed financial-services platforms, marketplaces and money-transfer businesses use to build sender-to-recipient (P2P-style) flows. topropay is not itself a consumer P2P wallet — it's the rails and orchestration layer behind one.

  2. 02

    Can I use topropay as my company's peer to peer payment system directly?

    A peer to peer payment system built on topropay needs a licensed platform sitting in front of it. The platform owns the end-user relationship, the user-side authentication and KYC, and the regulatory wrapper. topropay then provides the unified API across card, bank-rail and crypto P2P rails, plus reconciliation. We do not onboard end-users directly into a consumer wallet product.

  3. 03

    How does this differ from consumer peer to peer payment platforms?

    Consumer peer to peer payment platforms (Venmo, Zelle, Cash App, Revolut, Wise) onboard end-users directly and hold their balances under their own licences. topropay sits one layer beneath that — it's the API a licensed neobank, remittance product, marketplace or embedded-finance company integrates so they can build their own consumer-facing P2P surface.

  4. 04

    Is there a single peer to peer payment api endpoint for transfers?

    The peer to peer payment api on topropay centres on POST /v1/transfers — one endpoint takes sender, recipient, amount, currency, optional rail-preference and idempotency key. The routing engine picks the rail per recipient market and platform policy; the response carries the transfer ID and the events stream begins from there.

  5. 05

    What peer to peer payment solution shapes are supported?

    Peer to peer payment solution shapes on topropay include in-platform user-to-user transfers (within one licensed platform), marketplace payouts (platform to many recipients), licensed cross-border remittance corridors, gig-worker payouts, group savings / split flows and creator tipping. Each shape uses the same underlying API with different rail and routing configuration.

  6. 06

    Which rails are available for the receive side?

    Receive-side rails include push-to-card via partner Visa Direct and Mastercard Send (instant), SEPA Credit Transfer / SEPA Inst (EU), Bacs and Faster Payments (UK), US ACH credit (standard and same-day where supported), and licensed-partner crypto stablecoin / major-token corridors for cross-border.

  7. 07

    Does the platform itself hold user balances?

    topropay doesn't itself hold end-user balances. Held-balance flows (for example, money received and stored before forwarding) ride on partner financial institutions holding the appropriate e-money issuer (EMI), payment institution (PI) or money-transmitter (MTL) licences in the relevant jurisdiction.

  8. 08

    How are sanctions and AML handled on peer-to-peer transfers?

    Sanctions screening runs on both sender and recipient at transfer-creation time; AML monitoring patterns are tuned per platform's vertical, corridor risk and historical behaviour. Suspicious activity reports (SARs / STRs) are filed through the partner financial institution holding the relevant licence — topropay supplies the data, the partner files the report.

  9. 09

    What KYC is required of end-users?

    KYC of end-users is the responsibility of the licensed platform sitting in front of topropay. The platform's KYC posture must meet the relevant jurisdiction's requirements for the rail being used (e.g. money-transfer KYC for MTL-licensed remittance, EMI KYC for held-balance EU wallets). topropay's onboarding KYBs the platform itself.

  10. 10

    Are crypto P2P rails compliant in Europe?

    Crypto P2P rails on topropay sit with licensed partner gateways holding VASP / MiCA-relevant authorisations in their jurisdictions. FATF Travel Rule metadata exchange is supported above scheme thresholds; AML / sanctions screening applies to crypto legs the same as fiat. The platform doesn't operate unlicensed crypto rails.

  11. 11

    What's the typical onboarding timeline for a licensed platform?

    Onboarding a licensed platform onto the peer-to-peer infrastructure typically runs 4–8 weeks. Variables include depth of KYB on the platform itself, the rails it wants live at launch, the jurisdictions it operates in, and whether the platform brings its own e-money licence or uses a partner's. Sandbox testing covers the full transfer API from week one.

  12. 12

    Can a platform launch with one rail and add more later?

    Yes. Most platforms launch with one or two rails (typically SEPA Credit Transfer + push-to-card in Europe, or ACH credit + push-to-card in the US) and add additional rails as user demand or corridor coverage requires. Adding a rail is a routing-policy and contract update on the connected-partner side, not a re-integration.

  13. 13

    How does the platform handle failed or returned transfers?

    Failed or returned transfers (NSF, account-closed, recipient-bank-reject, sanctions-block) fire signed webhook events with the rail-specific reason code. The platform's UI surfaces the reason to the sender; the funds are returned to the sender's funding leg through the same rail; reconciliation tags the failure for audit.

  14. 14

    Are there volume or per-transfer limits?

    Per-transfer limits are set by the rail (e.g. push-to-card scheme caps, ACH same-day caps, SEPA Inst caps) and by the platform's own risk policy plus the partner financial institution's limits. The dashboard surfaces the live limit per rail per platform; limits can be tightened or relaxed per merchant tier.

  15. 15

    Who is NOT a fit for peer-to-peer infrastructure on topropay?

    Not a fit: unlicensed consumer money-transmission businesses, platforms without the relevant operating licences for the corridors they want, grey- or black-market verticals, and consumer-facing wallets without a licensed platform behind them. topropay's onboarding underwriting filters these out before any volume goes live.

Related

Related on the topropay platform