API-powered digital wallet infrastructure for prepaid and credit payment ecosystems.
Launch and scale closed-loop payment systems that keep your ecosystem connected and your customers engaged.
PayCaddy's Wallets as a Service (WaaS) provides a complete API-driven infrastructure for creating, managing, and scaling digital wallets. Whether you need prepaid wallets that users load with funds, or credit wallets with revolving credit lines – our platform handles the ledger, compliance, and payment processing so you can build the experience your users expect. Designed for businesses that want to create closed-loop payment ecosystems where funds flow within your platform.
Users load funds via bank transfers, card payments, or cash-in points. Balances held securely for instant transactions within your ecosystem.
Extend revolving credit lines to your users. Set custom limits, interest rates, and repayment terms — all managed through our API.
Create a self-contained payment ecosystem where transactions flow between wallets within your platform. Ideal for marketplaces and loyalty programs.
Every transaction recorded on a real-time ledger with full audit trail. Reconciliation, reporting, and balance management handled automatically.
Our infrastructure is PCI DSS certified, ensuring the highest security standards for cardholder data across every transaction.
KYC, AML, and transaction monitoring built into the wallet infrastructure, ensuring your program meets regulatory requirements from day one.
Disbursing payments to sellers and collecting from buyers in a unified wallet ecosystem.
Employee disbursement programs with controlled spending, real-time visibility, and automated reconciliation.
Stored-value wallets that keep users engaged and spending within your platform ecosystem.
Extend credit through digital wallets with configurable terms and automated repayment tracking.
Build full-featured financial accounts with wallets, cards, and payment rails — all in one integrated platform.
Manage employee benefit plans and corporate expenses with dedicated wallets, configurable limits, and real-time reporting.
Tell us about your use case and we will design the right wallet solution for you.