Technology platform ยท Powered by regulated financial partners

Simple digital payments,
powered by trusted infrastructure.

SigilPay is the digital payment application that lets people and businesses pay, get paid, transfer money, and manage accounts โ€” delivered through SigilPay's technology and approved, regulated financial partners.

Available balance

$12,480.55

Verified account

Send

Pay

Transfer

Cards

Payment from Acme Retail
+$240.00 successful
Transfer to Jordan Blake
-$85.00 pending
Invoice #INV-00042
+$1,200.00 successful

Everything a modern payment app needs

One account for sending, receiving, and managing money โ€” built on an API-first, multi-provider architecture.

Send & Receive

Pay merchants, send money to friends, or get paid instantly via payment links, invoices, and QR codes.

Transfers & Payouts

Domestic and cross-border transfers routed through approved, regulated transfer partners.

Virtual Cards

Issue and control virtual cards where supported by SigilPay's card-issuing partners.

Invoicing

Create and send invoices, track payment status, and reconcile automatically.

Developer API

A versioned, API-first platform (/api/v1) with webhooks, idempotency, and a full sandbox.

Verified & Secure

RBAC, tenant isolation, audit logging, and webhook signature verification throughout.

Built on a Provider Abstraction Layer

SigilPay is a payment technology platform. Regulated financial services โ€” holding funds, moving money through banking networks, card issuing, and identity verification โ€” are delivered through SigilPay's approved BaaS, payment, transfer, card, and KYC/KYB partners. This lets SigilPay add, replace, or disable providers via configuration, without ever redesigning the application.

  • Country, currency, and service-aware routing โ€” never on lowest fee alone
  • Every provider transaction is reconciled against SigilPay's internal ledger
  • Webhook signatures are verified before any transaction status changes
  • Provider credentials are encrypted at rest and never exposed to the frontend
SigilPay Core Engine
Provider Abstraction Layer
BaaS Partners
Payment Providers
Transfer Providers
Banks
Processors
Remittance Networks

A technology platform, not a bank

SigilPay provides the digital application, APIs, dashboards, and orchestration layer for payments. Regulated financial services shown in this application โ€” including holding of funds, fund transfers, and card issuance โ€” are provided by SigilPay's approved, licensed banking-as-a-service, payment, transfer, and card partners in the jurisdictions where those partners are authorized to operate. SigilPay does not represent itself as a licensed bank and does not claim a partner's regulatory authorization as its own.