Investors

RAYL is a payment processing company, through and through. On its own, RAYL.Pay is an extremely valuable prospect for investors to consider. All we need to do is look at the typical competitors in the Pay Processing space to see why.

By offering RAYL.Apptive to merchants, we provide a complete suite of applications and services simplifying their administrative burden, while creating a deeper relationship to RAYL and a seamless data integration to RAYL.Pay.

Since Day 1, we’ve envisioned an Immediate Funding strategy that contemplated having a funding partner that would profit share on merchant remittances.

By incorporating our own RAYL.Financial challenger bank initiative on top of the dual strategy of RAYL.Apptive and RAYL.Pay, we control our own terms, approvals and destiny; and, by in-sourcing the lending partner to ourselves, we improve our profitability while adding a strong barrier to entry as a stabile, 3-point go-to-market strategy.

So, now we’ve taken the concept of a Payfare, Stripe, or Square and increased customer retention with a dramatically improved customer lifetime value and a significant opportunity to improve financial performance well beyond current industry standards.