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Best described as a convenience layer built on top of existing online banking frameworks, the Banxate Instant Transfer, Payment Gateway is an API integration that enables merchants to accept real-time instant payments via their websites. Unlike other non-credit-card, digital payment methods, the funds move directly from the customer’s account to the merchant’s and settle instantly. No middlemen. No rolling reserves. No chargebacks. No fraud. Requiring only the user’s login details and a two-factor authentication issued by the customer’s bank to complete each payment, the transaction is deemed immutable and final making it nearly as safe as cash on delivery. Considered to be the ultimate good funds model, Instant Transfer Payments powered by Banxate, can help your company to better manage cash flow while minimizing risk.