Payman
Payman · Agentic Banking Platform for Financial Institutions
Payman is an agentic banking platform that lets a bank's customers run real transactions — pay bills, move money, analyze accounts — through conversational interfaces, with every action validated against the institution's policies. Best for banks and credit unions adding agentic banking without replacing core systems.
Best for
Banks and credit unions that want to offer agentic banking — customers executing real transactions conversationally — without replacing core systems
Not ideal for
Individual consumers, or developers and teams outside financial institutions looking for a general payments API or assistant
Who it's for
Financial institutions (banks and credit unions) adding agentic banking for their customers
Capabilities
- Executes real transactions — payments, transfers, account analysis — from natural-language requests
- Works through voice or text inside the bank's existing digital channels
- Validates every action against bank-defined policies before execution
- Immutable, timestamped audit trails for every agent-executed transaction
- Integrates with core banking (FIS, Fiserv, Jack Henry, COCC) and digital banking (Narmi, Q2, Alkami, Candescent)
- SOC 2 certified, with per-bank isolated environments and a bank-controlled kill switch
- API and SDK available under Payman's API license agreement
Limitations
- Built for financial institutions, not individual consumers or general developers
- Requires integration with existing core or digital banking systems — not a drop-in app
- Pricing is custom and sales-led, with no public rate or self-serve sign-up
- Executing transactions in a regulated domain demands careful policy configuration and oversight
Use cases
- Letting bank customers pay bills or transfer money by voice or text
- Automating routine account analysis and money movement on request
- Adding conversational, agentic banking to an existing digital banking app
- Capturing customer intent — goals, life events, friction points — beyond transaction records
- Maintaining compliant audit trails for agent-executed transactions
Payman pricing
Enterprise
Custom
- Sales-led; integrates with existing core and digital banking systems
- SOC 2 certified
- Per-bank isolated environment and bank-controlled kill switch
Note: Pricing is not disclosed publicly and there is no self-serve plan; Payman is sold to financial institutions and integrates at the institution level. An API and SDK are available under Payman's API license agreement.
Integrations & fit
Alternatives to consider
About Payman
Payman sits on top of a financial institution's existing stack and turns natural-language requests like "pay my electric bill" or "move money to cover rent" into executed transactions through voice or text inside the bank's existing digital channels. Unlike a chatbot that routes customers to a human, it actually performs payments, transfers, and account analysis — but only after validating each action against bank-defined policies, with immutable, timestamped audit trails. It integrates with major core banking platforms (FIS, Fiserv, Jack Henry, COCC) and digital banking providers (Narmi, Q2, Alkami, Candescent). It is SOC 2 certified, gives each bank its own physically isolated environment (separate databases, compute, and encryption keys), and includes a bank-controlled kill switch. An API and SDK are available under Payman's API license agreement, and the company is backed by $13M from Visa, Coinbase Ventures, and Circle. It is built for institutions that want to offer agentic banking as a product, not for individual consumers or general developers.
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