Deposit and Payments Platform with Built-in Full Fraud & Compliance Suite

Bivo's platform is designed for banks seeking to enhance their current platforms to meet future demands—account opening workflow, multi-channel real time payments, international payments, physical & virtual cards, and lending—all with today's regulatory landscape in mind. At its core is a full suite of fraud and compliance tools, ensuring seamless onboarding, ongoing compliance, and real-time transaction and fraud monitoring.

Are Your Systems Challenged by the Current Regulatory Environment?

Traditional systems often treat compliance as an afterthought. Bivo's approach integrates fraud and compliance at the heart of its system. Our platform enhances your existing infrastructure, providing speed, agility, and significant banking capabilities while keeping your bank at the forefront of compliance.

Bank Accounts for Businesses and Individuals

Accelerate account opening for businesses and individuals with built-in KYC/KYB and configurable compliance parameters. Open accounts in real time or route them through a workflow for enhanced control and visibility.

Built-in Compliance - At the System's Heart

Bivo's system is designed with fraud and compliance at its core. Our integrated suite offers fully configurable onboarding, ongoing compliance, and real-time fraud and transaction monitoring—all within the same system. This approach reduces risk, streamlines operations, and minimizes fraud rates and false positives.

Enhanced FDIC Insurance

Strategically manage your deposit funding needs and liquidity with our integrated deposit partners. Seamlessly provide your customers with enhanced FDIC insurance coverage.

Multi-Channel Payments

Our single API-based solution enables real-time payments via ACH, same-day ACH, wires, checks, RTP, FedNow, Visa Direct/Mastercard Spend, and international transactions. Instantly verify external accounts for seamless payments.

Seamless Connection with Networks

Bivo has partnered with Visa and Mastercard to effortlessly provision your issuer and acquirer BINs. This enables you to issue debit, charge, and credit cards for businesses and individuals with customizable controls, such as spending limits and restrictions based on MCC codes or categories.

Enable real-time card-to-card payments through Visa Direct and Mastercard Send, both domestically and internationally.

International Payments

Bivo offers a smart, cost-effective, fast, and secure way for international payments for businesses and individuals. Deliver payments within minutes to accounts, cards, wallets, or for cash pick-up in over 100 countries. Utilize our local providers or the extensive Visa/Mastercard network to deliver payments to cards in more than 180 countries.

Lending

Offer a variety of lending options including credit cards, cash advances, term loans, and revolving loans. Customize terms and repayment flows to suit your customers' needs.

Out-of-the-Box Next-Generation Features

For Businesses: Multiple operating and savings accounts, auto-scheduling, and configurable controls such as dual authorization, spending limits, and approval workflows.

For Individuals: Joint and teen accounts, early direct deposit, instant cash advances, and easy peer-to-peer payments.