The licence is not the bottleneck
You already hold what takes years to obtain. What is missing is usually the customer-facing product and the operational tooling around it.
Payments and lending, without the build.
A bank already holds the hardest things to acquire: the licence, the balance sheet and the customers. What usually delays a digital product is core change control and a vendor roadmap you do not own. Lipaware runs beside the core as configured modules that carry your brand, your rules and your governance.
The core stays where it is
Lipaware integrates with the core banking system through APIs and files. The ledger of record does not have to change for a product to launch.
Governance is part of the platform
Maker-checker, role-based limits, recorded approvals and audit trails are built in rather than assembled around the product afterwards.
Products that fit
Take the one that solves the immediate problem, then add the others onto the same integration.
Payments
Business collections
Give corporate and SME customers a way to get paid.
Checkout, Payment Links and Digital Invoices let your business customers collect by card, wallet and bank transfer from a page that carries the bank's brand, with settlement into the accounts they already hold with you.
- One-off and recurring collections
- Instant confirmations and reconciliation
- Card data stays in Lipaware's PCI DSS Level 1 environment
Payments
Corporate payouts
Salaries, suppliers, claims and commissions in controlled runs.
Bulk Payout and Single Payments give treasury and operations teams file or API-driven disbursement across bank accounts and mobile wallets, with the approval levels a regulated institution needs.
- Maker-checker and configurable approval levels
- Line-by-line status, retries and failure reasons
- Complete audit trail for every run
Lending
Anchor-based SME lending
Working capital where repayment has a visible route.
Invoice Discounting, LPO Financing and Stock Financing lend against a confirmed obligation from a creditworthy buyer, so recovery comes from the settlement rather than from collections effort.
- Buyer confirmation before funds move
- Exposure limits by anchor and borrower
- Repayment matched to the settlement
Lending
Salary advance for payroll clients
A product for the employers you already bank.
Employees of approved payroll clients draw part of earned salary before month end, and the next payroll run repays it — a retail lending product distributed through relationships you already hold.
- Employer-level eligibility and limits
- Mobile application and disbursement
- Automatic payroll repayment
Infrastructure
Wallets, eKYC and orchestration
The foundations underneath the products above.
Branded accounts, digital identity verification and smart routing across providers and rails, so new products do not each arrive with their own integration project.
- Branded wallets for customers and agents
- Document, biometric and database identity checks
- Automatic failover between providers
Prove it, then scale it
Most banks start with a single revenue line, prove it in a live branded environment, then add modules on the rails already integrated.
- 01Pick the product line under the most commercial pressure — usually collections for business customers or payouts for corporates.
- 02Integrate once against the core and the accounts that already exist; nothing about the ledger of record changes.
- 03Review the branded product in a live environment with your risk, compliance and operations teams before customers see it.
- 04Add lending or infrastructure modules onto the same integration when the first line is running.
Questions banks ask
Payment service providersCheckout, payouts and provider orchestration.SwitchesWhite-labelled payment products and wallets.Microfinance & digital creditLending, eKYC and automated collections.Mobile network operatorsWallets, payments and salary or stock finance.Large corporatesPayouts, spend control and supplier finance.
Show us how your money moves
We will map your providers, licences, customer journeys and approval rules to the modules that fit.