Banking platform for fast and secure payments

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UK Accounts & IBANs

Dedicated multi-currency business accounts and limitless virtual IBANs for reconciliation.

Tohar Pay issues dedicated business accounts with UK sort codes and account numbers, alongside named multi-currency IBANs assigned directly to the client entity — not pooled in an omnibus structure. Accounts support 21 currencies including GBP, EUR, USD, CAD, and JPY, with 15 further currencies on the roadmap. Partners may programmatically generate unlimited virtual IBANs via API, each routing to a master corporate ledger, enabling automated reconciliation across complex multi-entity structures at scale.

Offering true borderless liquidity allows your platform to position itself as the ultimate central operating system for global commerce. By providing users with named, multi-currency accounts and limitless virtual routing capabilities, you are fundamentally removing the geographic borders that restrict their growth. This profound architecture empowers your clients to instantly operate like massive multinational corporations, bridging fragmented international markets seamlessly from a single, unified interface.

The financial value proposition is massive and immediate. By natively holding and receiving funds locally across 21 global currencies, your corporate clients can completely bypass the exorbitant, highly unpredictable conversion spreads typically forced upon them by predatory intermediary banks during international trade. Furthermore, the programmatic virtual IBAN functionality completely eliminates manual reconciliation errors, drastically slashing administrative overhead for your clients' finance teams and severely reducing operational cash leakage.

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Payment speed and rails

Instant Payout Methods

  • UAE (Currency: United Arab Emirates Dirham); Instant; IPI / FTS; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Australia (Currency: Australian Dollar); Instant; NPP; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Brazil (Currency: Brazilian Real); Instant; PIX; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • China (Currency: Chinese Yuan Renminbi); Instant; CUP (B2C); B2C, B2B2C

  • Colombia (Currency: Colombian Peso); Instant; PSE; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Europe (Currency: Euro); Instant; SEPA Instant; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Ghana (Currency: Ghanaian Cedi); Instant; GIS; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Indonesia (Currency: Indonesian Rupiah); Instant; BI-FAST; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Korea (Currency: South Korean Won); Instant; Open Banking; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Mexico (Currency: Mexican Peso); Instant; SPEI; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Nigeria (Currency: Nigerian Naira); Instant; NIBSS; B2B, B2B2B, B2C, B2B2C

  • Philippines (Currency: Philippine Peso); Instant; InstaPay; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Rwanda (Currency: Rwandan Franc); Instant; RSwitch; C2B2C

  • Singapore (Currency: Singapore Dollar); Instant; FAST; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • South Africa (Currency: South African Rand); Instant; RTGS / PayShap; C2B2C

  • Thailand (Currency: Thai Baht); Instant; PromptPay; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Turkey (Currency: Turkish Lira); Instant; FAST; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Uganda (Currency: Ugandan Shilling); Instant; Direct Bank; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • United Kingdom (Currency: British Pound Sterling); Instant; FPS; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • USA (Currency: United States Dollar); Instant; RTP; B2B, B2B2B, B2C, B2B2C

  • Vietnam (Currency: Vietnamese Dong); Instant; NAPAS; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Zambia (Currency: Zambian Kwacha); Instant; ZECHL; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

Same Day Payout Methods

  • Argentina (Currency: Argentine Peso); Same day; Domestic Transfer; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Australia (Currency: Australian Dollar); Same day; BECS; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Chile (Currency: Chilean Peso); Same day; TEF; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • China (Currency: Chinese Yuan Renminbi); Same day; CUP (B2B); B2B, B2B2B

  • China (Currency: Chinese Yuan Renminbi); Same day; CNAPS; B2B, B2B2B, B2C, B2B2C

  • Europe (Currency: Euro); Same day; SEPA Standard; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • India (Currency: Indian Rupee); Same day; NEFT; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Peru (Currency: Peruvian Sol); Same day; LBTR; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Philippines (Currency: Philippine Peso); Same day; PESONet; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • USA (Currency: United States Dollar); Same day; FedWire; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • USA (Currency: United States Dollar); Same day; ACH; B2B, B2B2B, B2C, B2B2C

  • All other accounts/currencies

1–2 Day Payout Methods

  • Canada (Currency: Canadian Dollar); 1-2 days; EFT; B2B, B2B2B, B2C, B2B2C

  • China (Currency: United States Dollar); 1-2 days; CFXPS; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Japan (Currency: Japanese Yen); 1-2 days; Zengin; B2B, B2B2B, B2C, B2B2C

  • Singapore (Currency: Singapore Dollar); 1-2 days; GIRO; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • Turkey (Currency: Turkish Lira); 1-2 days; EFT; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

Coming Soon

  • Hong Kong (Currency: Hong Kong Dollar); Coming Soon; TBC; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

  • International (Currency: United States Dollar); Coming Soon; SWIFT; B2B, B2B2B, B2C, B2B2C, C2B2B, C2B2C

Traditional & Bulk Payment Rails (Domestic & Cross-Border)

Tohar Pay provides unified access to domestic and international payment networks through a single REST API. UK coverage includes BACS, CHAPS, Faster Payments, and Direct Debit. European operations are supported via SEPA; international transfers route through integrated global correspondent networks. A purpose-built bulk payout engine processes up to 3,500 instant payments per minute, designed for high-volume originators such as payroll providers and digital marketplaces.

  • By unifying massive global networks and high-speed domestic rails into a single platform, you empower your users to execute borderless commerce flawlessly. This operational agility means your clients are never restricted by the geographic limitations of their legacy banking partners. You fundamentally transform the act of value transfer from a slow, painful operational hurdle into a seamless, highly competitive strategic advantage that powers their global ambitions seamlessly.

  • For businesses reliant on predictable cash flow, the integration of robust Direct Debit capabilities and high-volume bulk payout engines guarantees absolute financial stability. Massive payroll operations or complex supplier settlements are executed mathematically perfectly, ensuring zero downtime or reputational damage from failed batch files. Simultaneously, utilizing highly efficient local clearing networks (like SEPA or FPS) directly protects your margins from being eroded by unnecessary, high-cost international wire fees.

Instant Account-to-Card Payments

Instant push-payments directly to debit and credit cards globally worldwide.

Tohar Pay enables real-time push payments directly to a recipient's debit or credit card via 16-digit PAN, across 120 active corridors spanning Europe, APAC, MENA, Latin America, and North America. This bypasses correspondent banking networks and FPS/SEPA/ACH clearing entirely, settling funds within seconds on a 24/7/365 basis. Suited to high-volume disbursement programmes including insurance claims, marketplace settlements, and earned-wage access products.

Bypassing slow, legacy file formatting completely, this feature offers an incredibly elegant technical solution for developers. Instead of struggling to maintain complex global banking templates, your engineering team utilizes a single, deeply unified API endpoint to execute push payments instantly to any compliant debit or credit card globally. The integration, actively powered in the backend by advanced payment partners, operates 24/7/365, totally independently of restrictive traditional bank clearing windows.

  • For executives managing massive global disbursement networks—such as insurance claims, gig economy payouts, or massive marketplace settlements—the account-to-card rail is incredibly lucrative. It significantly slashes the massive operational friction and hidden costs associated with collecting, manually verifying, and securely storing highly complex, highly error-prone international bank details (like routing codes). By simply pushing funds directly to an existing 16-digit card number, you radically accelerate settlement times, drastically boosting user retention and deep platform loyalty.

  • Bypassing slow, legacy file formatting completely, this feature offers an incredibly elegant technical solution for developers. Instead of struggling to maintain complex global banking templates, your engineering team utilizes a single, deeply unified API endpoint to execute push payments instantly to any compliant debit or credit card globally. The integration, actively powered in the backend by advanced payment partners, operates 24/7/365, totally independently of restrictive traditional bank clearing windows.

Enabled Payout Corridors

The following 120 corridors are live and available for cross-border card payouts today. Each corridor supports payouts to cardholders in that market.

Europe — 36 corridors

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and United Kingdom.

Central Europe, Middle East & Africa — 40 corridors

Albania, Algeria, Azerbaijan, Bahrain, Bosnia and Herzegovina, Botswana, Burundi, Cape Verde, Central African Republic, Comoros, Egypt, Ethiopia, Gambia, Georgia, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Mauritius, Moldova, Montenegro, Morocco, Namibia, Niger, Nigeria, Oman, Pakistan, Palestine, Qatar, Saudi Arabia, Serbia, Togo, Uganda, United Arab Emirates, Uzbekistan, Zambia, and Zimbabwe.

Asia Pacific — 23 corridors

Australia, Bangladesh, Brunei Darussalam, Cambodia, China Mainland, Cook Islands, Fiji, India, Indonesia, Japan, Malaysia, Mongolia, Papua New Guinea, Philippines, Samoa, Singapore, Solomon Islands, South Korea, Sri Lanka, Taiwan, Thailand, Vanuatu, and Vietnam.

Latin America & Caribbean — 21 corridors

Antigua & Barbuda, Bahamas, Barbados, Bolivia, Costa Rica, Curaçao, Dominica, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Jamaica, Mexico, Nicaragua, Panama, Puerto Rico, St. Kitts-Nevis, St. Lucia, St. Vincent & Grenadines, and Trinidad and Tobago.

North America — 1 corridor

Canada.


Stablecoin pay-outs

Instant, programmable cross-border settlements utilizing highly regulated digital asset networks.

Partners initiate payments in fiat currency — GBP or EUR — which Tohar's infrastructure converts and disburses as USDC or USDT across regulated blockchain networks. The model supports sub-cent micro-transaction economics and 24/7 cross-border settlement without speculative crypto exposure on the corporate balance sheet.

The strategic integration of deeply regulated stablecoin rails inherently future-proofs your entire financial stack for the next era of global, programmable commerce. By bridging the robust stability of traditional fiat with the massive speed and absolute transparency of blockchain ledgers, your platform actively caters to the deeply native requirements of Web3 enterprises and borderless DAOs, guaranteeing true, absolutely uninterrupted 24/7/365 real-time global liquidity for all your users.

From a pure business model perspective, stablecoin payouts fundamentally unlock completely unviable economic models. By actively utilizing decentralized ledgers like USDC or USDT, your business can profitably execute astonishingly cheap, sub-cent instant micro-transactions globally, entirely bypassing massive legacy correspondent banking fees. This profound infrastructure severely lowers the cost of international disbursements, radically opening up lucrative new enterprise markets without adopting speculative crypto asset risk on your corporate balance sheet.

Have Questions?

get in touch

contact@toharpay.co.uk