Platform Capabilities
Every layer of enterprise payments, engineered.
Steel Pay is a unified payments platform built for the demands of enterprise — global rails, real-time settlement, intelligent fraud controls, and compliance automation in a single, API-first stack.
Move money anywhere. Instantly.
Steel Pay maintains direct connections to local payment networks, card schemes, ACH, SEPA, SWIFT, and real-time bank rails across every major market. No correspondent banking chains. No hidden intermediary fees.
- Direct local network access in 60+ markets
- Multi-currency settlement in 135+ currencies
- Automated FX with live mid-market rates
- Same-day and next-day settlement options
- Fallback routing for maximum acceptance rates
Funds that move in seconds, not days.
Legacy T+2 settlement is a liability. Steel Pay's settlement engine processes and confirms transactions in under two seconds across supported corridors, with configurable settlement windows for every payment type.
- Sub-2-second settlement on supported rails
- Configurable T+0, T+1, T+2 windows per corridor
- Real-time balance and liquidity visibility
- Automated reconciliation and reporting
- Instant payment confirmation webhooks
ML-powered risk at transaction speed.
Every transaction is scored in real time by our multi-layer fraud engine — trained on trillions of enterprise payment patterns. Rules-based controls sit alongside adaptive ML models, giving your risk team full visibility and control.
- Real-time ML risk scoring on every transaction
- Configurable rules engine with custom thresholds
- Device fingerprinting and behavioral analytics
- Velocity checks and anomaly detection
- Chargeback management and dispute automation
Enterprise liquidity, fully automated.
Steel Pay's treasury layer gives finance teams real-time visibility across all accounts, currencies, and entities. Automated sweeps, pooling, and FX hedging tools reduce idle cash and eliminate manual treasury operations.
- Multi-entity, multi-currency cash pooling
- Automated sweeps and zero-balance accounts
- Real-time FX hedging and forward contracts
- Cash flow forecasting and liquidity dashboards
- ERP and TMS integrations (SAP, Oracle, Kyriba)
Built for engineering teams that demand reliability.
Every Steel Pay capability is exposed through a versioned, idempotent REST API with comprehensive webhooks. SDKs for every major language, a full sandbox environment, and 99.99% uptime SLA backed by contractual guarantees.
- Versioned REST API with idempotency keys
- SDKs: Node.js, Python, Java, Go, Ruby, .NET
- Full-featured sandbox with test data generation
- Real-time webhooks with retry and delivery guarantees
- OpenAPI spec, Postman collections, and interactive docs
Regulatory complexity, handled automatically.
Compliance is embedded in the payment flow — not bolted on. Steel Pay's compliance engine handles AML screening, KYB/KYC orchestration, sanctions monitoring, and regulatory reporting across 40+ frameworks automatically.
- Real-time AML and sanctions screening (OFAC, EU, UN)
- Automated KYB/KYC with global data providers
- PEP and adverse media monitoring
- SAR filing and regulatory reporting automation
- Audit-ready transaction logs and data retention
Certifications
Security and compliance at every layer.
See the full platform in action.
Our enterprise team will walk you through every capability and scope your integration.