Get paid instantly, not eventually

Request to Pay infrastructure that enables instant settlement, lower costs, and automated reconciliation. Built on the standards Europe trusts.

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BUILT ON
SEPA INSTANT
ISO 20022
PSD2/SCA

Traditional payments hold your business back. ToriiPay doesn't.

INSTANT SETTLEMENT

Waiting days for settlement?
Get paid in seconds.

Traditional bank transfers take 1-3 days. ToriiPay settles in seconds. Better cash flow, immediate certainty, no waiting.

Payments received list showing three requests from Tekla Industries, Baltic Commerce, and Bergman Logistics with amounts €24,250, €10,459, and €4,255 settled instantly in 2 seconds each.
LOWER TRANSACTION COSTS

Losing 2-3% to card fees?
Pay a fraction of that.

Card payments cost 2-3% per transaction. ToriiPay reduces fees significantly, letting you keep more of what you earn.

Payment confirmation message stating low fees and more profit, with options highlighting lower processing fees, better profit margins, and more money in your pocket; a note says significantly cheaper than card payments.
AUTOMATED RECONCILIATION

Reconciliation taking hours?
Automate it all.

Stop spending hours matching payments. Structured data means automatic reconciliation, zero manual work.

Dashboard showing auto-matching transactions progress at 67%, with a table listing requests, payments, invoices, and statuses indicating some as auto-matched and others processing.

One infrastructure.
Two powerful solutions.

Request to Pay infrastructure built on SEPA Instant and ISO 20022.

For businesses
For banks
Dashboard showing proven results: settlement time 2.8 seconds, average monthly savings €2,500, payment success 98.8%, with a blurred modern wooden interior background.

Get paid instantly and lower your costs

Stop waiting for payments and paying high card fees. Get instant settlement, automatic reconciliation, and give customers friction-free checkout through their banking app.

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UP TO 10X LOWER FEES
INSTANT SETTLEMENT
Comparison chart showing ToriiPay launches Request to Pay in 8-12 weeks versus Traditional taking 72-96 weeks.

Launch Request to Pay services in weeks

Go live with ready infrastructure in weeks. Create new revenue streams through transaction fees and premium services. Keep merchant relationships and stop churn to fintechs.

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LAUNCH IN WEEKS
NEW REVENUE STREAMS

From payment request to settled funds in seconds

Four steps. Zero friction. Seconds to settlement.

01
User interface card showing a sent request labeled #59284 for 10,000 euros from Baltic Commerce.

Request

You initiate payment request from your system to customer's banking app. Include invoice details, amount, and payment terms - all structured and secure with bank-grade encryption.

02
Notification popup stating a new payment request for 10,000 euros with a red Approve button below and a cursor pointing at the button.

Approve

Customer receives request in their trusted banking app, reviews payment details, and approves with a single tap. Secure authentication built in.

03
Diagram showing €10,000 sent and received with a transfer time of 2.8 seconds marked by a red lightning bolt.

Payment

Funds transfer to your account in seconds via SEPA Instant. Instant settlement means better cash flow and immediate certainty.

04
Diagram showing a financial process where Request #59284 for €10,000 is auto-matched to Invoice #4521 for €10,000 with dotted red connecting lines.

Reconcile

Payment automatically matches with invoice using structured data from the request. Zero manual reconciliation work, instant confirmation for both parties.

Payment solutions for every business need

One infrastructure, countless use cases

Check all use cases
Physical commerce

Physical commerce

Cashless payments at fuel stations, toll booths, and retail without card terminals. QR or NFC trigger instant settlement.

Subscription payments

Subscription payments

Instant access at signup and proactive renewal control. Reduce churn and failed payments for subscription services.

Factoring solutions

Factoring solutions

Accelerate receivables for factoring firms with instant settlement. Improve working capital and cross-border efficiency.

Instant payouts

Instant payouts

Pay freelancers instantly upon task completion. Eliminate 7-30 day waits and improve platform competitiveness.

E-commerce checkout

E-commerce checkout

One-tap checkout reduces cart abandonment. Pay-on-shipment option builds trust for custom or backordered items.

Supply chain payments

Supply chain payments

Instant payment confirmation enables immediate production start. Eliminate delays in just-in-time and make-to-order manufacturing.

Building on trusted foundations

ToriiPay is built on the standards that power Europe's financial infrastructure. Recognized for innovation, trusted for compliance.

EBAday 2025 Fintech Zone Finalist

Selected as one of 16 game-changing startups to pitch at EBAday 2025 in Paris, Europe's premier payments conference. Recognized for innovation in instant payment infrastructure.

Vestbee Startup of the month

Featured as Vestbee Startup of the Month (February 2025) for building Request-to-Pay infrastructure that makes instant payments accessible across Europe.

ISO 20022-native

Built natively on ISO 20022 - the European standard for payment messaging. Ensures full compatibility with banks and payment networks across Europe.

SEPA-aligned

SEPA Instant compliant infrastructure enables instant payments across 36 European countries. Cross-border payments settle as fast as domestic transactions.

Ready to transform payments?

Book a demo to see how ToriiPay can reduce costs and speed up payments for your business. Or schedule a consultation to explore partnership opportunities.

Book a demo