Take cards. Keep more of every sale. Guaranteed.
Card payments guaranteed to beat your Stripe or Square rate, rewards rebated on volume, and every settlement booking itself. Plus modern bank rails: same-day ACH, RTP/FedNow, push-to-card.
The rate-beat guarantee
We will beat your effective Stripe or Square rate. Guaranteed. Send us a recent processing statement — we’ll price the same month on Caytava rails, show the delta line by line, and put the guarantee in your agreement. If we can’t beat it, don’t switch.
Priced like the rails it runs on.
Legacy processors price payments as a percentage of your success. Bank rails don’t work that way — and on one platform, neither do we.
AP and AR payments are live on the platform today; the full modern-rails suite is going live now with our banking partner. Pricing is quoted per merchant while plans are finalized.
Both directions. One wallet. Zero re-keying.
Get paid
Every invoice goes out with a pay-by-card-or-bank link; in person, tap-to-pay turns a phone into the terminal. Cash lands in your platform wallet and the receipt posts itself against the invoice.
- Online invoice payment — card or bank
- Tap-to-pay point of sale
- Auto-matched receipts, no manual application
Pay vendors, for less
Approve a payment run and release it on the rail each vendor deserves. We’ll beat the bill-pay providers — Bill.com, Tipalti and the rest — on the cost of moving the money, because payables and payments are one module on one ledger, not two subscriptions with a sync between them.
- ACH · same-day ACH · RTP · FedNow · push-to-card
- Maker-checker release, officer-gated
- Failed payments reopen the bill automatically
Expense management
Card programs give you spend rules; a platform gives you the whole picture. Policies, approvals, procurement and commitments, receipt capture into the vault, and every swipe coded into a real GL — more expense-management surface than the card-first tools, on the ledger itself.
- Spend policies & approval chains
- Receipts filed and matched by AI
- Real capability-based permissions, not card-only rules
The wallet
Your platform wallet is a real GL clearing account, mirrored to the penny. AR receipts land in it, AP draws it down, and a daily sweep moves the balance to your operating bank.
- Fund by bank debit
- Daily automatic sweeps
- Balance always ties to the ledger
Every dollar books itself
Settlement events drive deterministic journal entries — cash, fees, returns, sweeps. There is no “download the processor CSV and reconcile it” step, because the processor and the ledger are the same system.
- Receipt → Dr wallet / Cr AR, automatically
- Fees booked as they’re charged
- Returns reverse cleanly with an audit trail
Payments are one leg of deal-to-cash.
Route a month of payments. Keep the difference.
Send a processing statement and your AP run — we’ll show you the same month on Caytava rails, with the guarantee in writing.
Let’s begin