How a payment moves through Aryze.

Your customer pays in the app they already use. Our software connects each step of the payment and brings the result back to you.

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A ceramics studio owner approves a payment to a supplier on a phone

Four steps, in plain words.

  1. 01

    Your customer approves

    They pay in your app or online bank, as usual.

  2. 02

    Aryze passes it on

    Our software sends each step to the system that carries it out.

  3. 03

    The money moves

    It is paid out and, where needed, converted. Aryze does not hold the funds.

  4. 04

    You get the result

    The payment status and the record come back to your systems.

Cross-border payments in seconds, not days.

One example: a licensed UK bank that wants to receive euro payments for its business customers and credit them in pounds. The same modules can be set up for the sending bank, other currencies or other routes. Amounts are illustrative.

Payment to a UK supplier1 EUR = 0.854 GBP
  1. A bank in the euro area sends the payment€5.00
  2. The euros become Digital Cash, one for one€5.00
  3. Converted to pounds at 0.854£4.27
  4. Credited to the supplier by the UK bank£4.27

Who does what.

Hold a licence? Aryze helps you use it to the full. No licence yet, or want something yours doesn’t cover? We can scope a licensed provider for those steps.

You
CustomersBrandApprovals
Aryze
OrchestratesSecuresReconciles

The detail, for your technical team.

MoneyOS takes in each instruction, connects the checks, approvals and messages around it, flags exceptions and reconciles the result across your route.

Currency conversionExample
Converted amount1,180.00

Example rate: £1 = €1.18. Not a quote.

Try the conversion.

Change the amount or currency to see the conversion.

Example: EUR to GBP routeIllustrative amounts, not a quote
EURBank funding€5.00
1 EUR = 0.854 GBP
GBPBank account credit£4.27
  1. Bank fundingEUR 5.00
  2. Issuer creates EUR unitsEUR 5.00
  3. Supported conversion to GBP unitsGBP 4.27
  4. Bank account credited in poundsGBP 4.27

From a euro payment to a pound payout.

The issuer creates the digital units, the supported mechanism converts them, and the bank account is credited in pounds. MoneyOS connects the instructions and keeps the records.

What this example leaves out

The amounts are illustrative, not a current rate or quote. This sequence explains the money steps; it is not a transaction receipt.

X-raypay_8Q2M4T7K

EUR 12,480.00 to Nordlys Design ApS

From Havn Kaffe ApSInvoice 2026-118Settled at 11:03:15

  1. Instruction received through the Berlin Group profile

    POST /v1/payments/sepa-credit-transfers201 RCVD

  2. Payee name checked by the payee’s provider

    Close matchCMTC

  3. Approved by M. Holm, 1 of 2

  4. Approved by S. Lund, 2 of 2

  5. Debit booked on your ledger

    EUR 12,480.00DK•• •••• 4471

  6. Sent to the authorised provider

    pacs.008

  7. Settled by the authorised provider

    pacs.002ACSC

  8. Your system notified

    webhook payment.settled200

Every step of a payment in one record.

The x-ray lists each call, payee check, approval, booking, ISO 20022 message and webhook in the order it happened.

Verification of Payee10:42:07

Close match CMTC

Answer from the payee’s provider

Account
DK•• •••• 4290
Name entered
Nordlys Designs
Name on the account
Nordlys Design ApS

Shown to the payer

This account belongs to Nordlys Design ApS. Check the name before you approve the payment.

Possible answers: match, close match, no match, or verification not possible.

Payee names checked before approval.

Verification of Payee compares the name entered with the name on the account. The payee’s provider answers; MoneyOS shows the answer and keeps it with the payment.

Berlin Group profile

POST /v1/payments/sepa-credit-transfers

{"endToEndIdentification": "2026-118","instructedAmount": {"currency": "EUR","amount": "12480.00"},"debtorAccount": { "iban": "DK•• •••• 4471" },"creditorName": "Nordlys Design ApS","creditorAccount": { "iban": "DK•• •••• 4290" },"remittanceInformationUnstructured": "Invoice 2026-118"}

ISO 20022 message

pacs.008 to the authorised provider

<CdtTrfTxInf><PmtId><EndToEndId>2026-118</EndToEndId></PmtId><IntrBkSttlmAmt Ccy="EUR">12480.00</IntrBkSttlmAmt><Dbtr><Nm>Havn Kaffe ApS</Nm></Dbtr><DbtrAcct><Id><IBAN>DK•• •••• 4471</IBAN></Id></DbtrAcct><Cdtr><Nm>Nordlys Design ApS</Nm></Cdtr><CdtrAcct><Id><IBAN>DK•• •••• 4290</IBAN></Id></CdtrAcct><RmtInf><Ustrd>Invoice 2026-118</Ustrd></RmtInf></CdtTrfTxInf>

One instruction in, one ISO 20022 message out.

Instructions arrive through the Berlin Group, Bankdata or ERA profile. MoneyOS maps each one to the message the authorised provider needs.

Names, accounts and amounts in these views are invented. Aryze does not hold the funds.

Start with where the money needs to end up.

Tell us the destination and the systems it should work with. The first conversation and a generic demo are free; paid work starts with a scoping and a first working version.

Talk to usinfo@aryze.io