The rails stay yours
Lipaware adds products on top of your switching infrastructure. It does not ask you to move the traffic somewhere else.
Earn from the rails you already operate.
A switch already carries the transactions. What it usually cannot monetise is the layer above them — the checkout, the wallet, the merchant dashboard, the lending product. Lipaware supplies that layer as white-labelled products you take to market, while routing continues through the infrastructure you run.
New revenue without new rails
Merchant acquiring, branded wallets and anchor-based lending create fee income from volume that already passes through your systems.
You decide who resells it
Deploy under your own brand, or give each participating institution its own branded instance with its own rules and reporting.
Products that fit
Take the one that solves the immediate problem, then add the others onto the same integration.
Payments
Merchant acquiring products
A checkout and terminal your participants can sell.
Checkout, Payment Links and Virtual POS turn switching volume into a merchant-facing proposition, branded for you or for each institution you serve.
- Hosted or embedded checkout
- Phone-based card acceptance
- Merchant dashboard and settlement reporting
Infrastructure
Wallet as a Service
Branded accounts on top of your rails.
Issue wallets to consumers, agents or merchants with balances, transfers, statements and limits, so value stays inside the network you operate.
- Branded accounts for every customer type
- Transfers, top-ups and withdrawals
- Balance, limit and velocity controls
Infrastructure
Payment Orchestration
Routing and failover as a product you offer.
Offer participants a single integration that reaches many providers, with routing rules and automatic failover — a service they would otherwise buy elsewhere.
- Rule-based routing per method and market
- Automatic failover and retry
- Unified reconciliation across providers
Payments
Digital Invoices and collections
Billing products for institutional customers.
Give billers and utilities branded invoicing with payment built in, settling straight through the rails you already run.
- Branded line items and tax templates
- Full or instalment settlement
- Delivery confirmation and ageing reports
Infrastructure
Messaging
Transactional notifications that belong to you.
Confirmations, reminders and campaign messaging tied to transaction events, so the customer hears from your brand at the moment money moves.
- Event-triggered transactional messages
- Campaign sends with reporting
- Delivery confirmation per message
Prove it, then scale it
Switches usually start with one product they can resell immediately, then widen the catalogue for participating institutions.
- 01Choose the first product your participants are currently buying from someone else — often checkout or wallets.
- 02Deploy it branded for the switch, or as separate branded instances per institution.
- 03Keep routing on your own rails; Lipaware sits above them, not in front of them.
- 04Add lending or orchestration once the first product has volume and reporting your participants trust.
Questions switches ask
BanksPayments, orchestration and anchor-based lending.Payment service providersCheckout, payouts and provider orchestration.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.