We are not a bank. We are a fintech, and with our software (PayTransfer, YouTransfer, Split Bills) we offer:
Verification of documents and their certified signatures, including verification of the person’s legitimacy and qualifications as stated in the contract and subsequent payments.
Notification of acceptance of the Terms and Conditions established between the parties.
Secure and traceable payments (including escrow mode).
Automatic management and allocation of financial funds, both during collection and dispatch.
Sending and receiving payments, conditional on QR codes, OTPs, via API, messages, email, or files.
Storage with preservation of the traceability of the financial transfer and related document attachments in certified legal form, integrable with your database and CRM via APIs and scripts.
The problem and the solution
The need for some BEE Capitale Group companies was not to pay the supplier financially, but to receive essential documents to legalize the transaction, in a certain and conditional manner (counterdocuments, etc., etc.) both in the EU and abroad outside the EU, and for those who do not have a bank account to place the financial deposit.
Normally, in international business, it is necessary to have a relationship with banks with an international presence, which are not inexpensive and not easy to become customers, and which offer various methods and options for making conditional payments.
Most often, in B2B and B2C, the seller expects payment for the goods before they are shipped, and in any case before the loading date, even in advance, so that transactions run smoothly. Sometimes the seller uses these financial proceeds illegitimately or to purchase the same goods from others, such as wholesalers, etc., without any guarantee of availability.
Instead, increasingly in demand in the B2B market in particular, is a balance between buyer and seller, where one (the buyer) wants to make payment conditional on delivery terms and conditions, not always with advance payment, but rather with guaranteed payment based on the existence of the goods and deferred payment, and the other (the seller) who does not want to waste time, increasing business costs, dealing with non-paying customers who are hesitant to make a purchase, either before or after.
Paper checks, promissory notes, and sureties were the most common methods used by companies to pay each other, especially for small amounts, or in different currencies.
So, from the problem, comes the solution. For every action, a reaction arises.
In practice,
we offer a technological system to manage and verify documents according to the Terms and Conditions indicated and agreed upon between the parties. This automatically initiates the payment order execution process, allowing the parties to send and/or receive money securely and quickly, without having to use or access bank accounts or complex traditional systems.
With our software, we enable you to securely complete remote payment contracts in a simple, professional, and certified manner, whether you are an individual, a professional, or a large multinational company.








