Ready to learn more about Global Payments & Trade?

Please fill out the form below. Thank you for your interest in BNY.

The ability to deliver international money transfers from bank accounts directly to retail digital wallets

What we do

OUR VALUE

Pay-to-Wallet streamlines global money transfers from bank accounts to wallet accounts, helping institutions expand their reach, simplify the customer experience, and gain greater visibility for tracking payments.

noimage
How we help

PRODUCT HIGHLIGHTS

Built on Existing Infrastructure

Pay-to-Wallet allows you to build on established correspondent banking and ISO 20022 messaging rails — no greenfield build required.

Compliance Is Built In

Compliance fields and standards alignment are built into the flow, helping reduce the regulatory burden.

Easy to Use

A familiar, in-app flow — select, review, swipe — reduces friction for the sender.

How you’ll use it

POTENTIAL USE CASES

Pay-to-Wallet supports a range of cross-border scenarios where recipients increasingly expect retail digital wallets delivery.

Customer-to-Customer Payments
VAT Refunds
Insurance Claims
Pension Fund Payouts

Individuals can send funds directly from their bank account to a recipient’s retail digital wallets, enabling fast, secure cross-border remittances in wallet-first markets.

Refund authorities or service providers can send approved tax refunds directly to a traveler’s wallet — a quicker, more convenient experience for non-local recipients.

Approved claim payouts can be sent to the recipient’s wallet directly, reducing friction and accelerating disbursement.

Pension providers can deliver regular payouts to the recipient’s wallet, expanding reach to beneficiaries who rely on retail digital wallets.

What you gain

BENEFITS AT A GLANCE

Expanded Payout Reach

Pay-to-Wallet can help you reach wallet-first recipient markets and extend disbursement capabilities beyond traditional bank accounts.

Increased Visibility

You’ll have greater visibility for tracking and reporting payments across their full lifecycle, from initiation through to final delivery at the wallet.

Modern Payment Support

From refunds and insurance claims to remittance and pension payouts, Pay-to-Wallet supports a range of modern payment use cases.

READY TO TALK ABOUT
WHAT'S NEXT?

Learn how Pay-to-Wallet can help you modernize your payments and support your goals.