The value of RAYL data will be comprised of the capture and analysis of customer, purchase, payment, lending, payroll, merchant, trends, seasonality, and user data through one super platform (based on your preferences and permissions and our security protocols).
Once data enters RAYL (via .Pay, .Apptive or .Financial), it is automatically propagated across the platform, populating all relevant modules and apps for immediate consumption to help manage, track & grow the business.
The RAYL Super Platform
Small & Medium Business Merchants Gain New Super Powers
Cloud-based RAYL controls your 3 major business functions:
Operations, Payments and Capital.
What makes RAYL superior is that data & intelligence is integrated across the platform in real time, i.e. data is collected in one place but becomes useful in multiple places inside RAYL.
Why would you have anything else, when you can consolidate and unify your data sources and business functions into one intelligent system?
RAYL Delivers Big Data Value
Meet Your New Super Powers
RAYL.Pay
Payment Processing
Will allow you to save BIG on processing or BYO merchant account. Provide same-day payments.
RAYL.Apptive
Business Management
Super App
Consolidate into 1 complete management suite.
RAYL.Financial
Challenger Bank
RAYL will provide business capital for existing businesses or startups.
POS, Payment Processing
Whether brick and mortar or ecommerce, RAYL.Pay will authorize payments, handle currencies, detect fraud, bill subscriptions and cross-channels, and more.
ZeroDelay Technology
Signup and get approved in a matter of minutes. With RAYL’s proprietary ZeroDelay technology, we will cut down your approvals from several days to just minutes. We will also use ZeroDelay for our Lending.
Cost+Zero Interchange
It’s true. With RAYL, you will pay $0 Interchange Fees. What a massive savings you could achieve on your part. With RAYL.Pay, you will pay only a $19.99 monthly subscription and $0 for Interchange.
Same-day Funding
Get paid today for today’s processed payments. Tired of paying the banks to tie up your money for 1-3 business days? Come to RAYL, where You will be able to control your cash flow.
RAYL.Financial
Your Business Capital Platform
Our vision is to become our own Digital Bank, starting with the challenger bank process, where RAYL.Financial will sit on top of a Tier 1 or Tier 2 Canadian or Global bank. Because our merchant partners need more than the best management super app and payment processing solutions, you need custom lending options that empower your cashflow.
RAYL will empower merchants. Borrow according to your business needs, pay interest only on what you use. RAYL.Apptive will help you manage all things financial.
Your Future Bank
Whether you are a full brick and mortar or ecommerce platform, RAYL.Pay will authorize payments, handle currencies, subscriptions and cross-channels, fraud detection, and more.
Fast, Fair, & Flexible Capital
Whether you are an existing business needing a flexible line of credit, a small business loan, or you need startup capital or crowd funding - RAYL.Financial when approved will be ready to accept your business.
ZeroDelay Technology
When launched, you will be able to sign up and get approved in a matter of minutes. With RAYL’s proprietary ZeroDelay technology, we will cut down your approvals from several days to just minutes.