Pay anyone you can name.
Send money to an email, @handle, phone, or QR. The recipient chooses how to receive. Money returns if not accepted.
No IBAN. No wallet address. No signup for the person you're paying. Universal social escrow for people, creators, merchants, and AI agents.
Escrow protected • Recipient notified instantly
Alex Rivera sent you $50.00
Every payment app starts with your money. Payflip starts with the person you want to pay.
The recipient needs nothing.
No account, no app, no wallet, no IBAN.
The rail becomes a detail.
Bank, card, stablecoin, cashout, all chosen behind the scenes.
Payment becomes reversible.
Unclaimed money comes home by itself.
Accept payments anywhere you receive a text.
Click on the link → Accept Payment → Cash Out or Keep In App.
Payflip Payment RelayNo need for IBANs or wallet addresses to pay.
Name → Amount → Send.
Name the person.
Phone, email, @handle, QR, merchant, agent or link. No bank details needed upfront.
Enter the amount.
Add a note. Choose when it comes back if unclaimed. If your balance is low, top-up appears briefly, then you return to Send.
Send.
The recipient claims the money and chooses how to receive. Zero friction, instant liquidity into any account.
Three steps for the sender. One tap for the receiver. Nobody types an account number at any point.
Anywhere you can express your intent, you can pay.
Payflip is more than an app.
Web claim links
Opens in any browser, any country. Nothing to download.
Our app
Face ID, one screen, three taps.
Chats and DMs
Money in the conversation you're already having.
QR on a counter
Scan to pay a person. No terminal to buy.
Voice and AI agents
Say it out loud. Or let an agent pay. Add our bot to group chats.
Anyone's app
Other companies build payouts on top of us.
Payments automatically undo.
Every other rail treats a failed payment as the sender's problem. We make it a state transition. That single design choice opens markets nobody else can serve.
Receiver picks rail (Bank / Card / USDC) · We earn fee.
Back to sender automatically when TTL expires.
Why this is worth money.
Unclaimed money is a real, budgeted cost. In banking, corporations lose millions to escheatment filings, stale checks, and dead wires.
US class-action settlements see a median claim rate near 9%. Cheques expire in 60–180 days and the remainder escheats to the state.
~91% of distributions go unclaimed and escheat. We return them instead.
Workers locked out of accounts still holding balances get paid via text or handles.
Tournament and bounty payouts that expire, bounce, or never reach a winner return safely.
Already claim-shaped. Vesting cliffs and expiry map onto cryptographic TTL exactly.
Positioning: Payflip is the payout rail for money that might not get claimed. No wallet, no bank and no card network is built for that.
AI agents have brains. They don't have credit cards.
Pay your agents with Payflip, and let your agents pay with Payflip. Same envelope, new caller.
What x402 gives vs what Payflip adds
- HTTP 402 payment header
- Onchain settlement per API call
- Sub-cent micropayments
- Open standard
- →@identity: an agent gets a payable human-readable handle
- →Allowances: daily cap, per-call max, auto-approve floor
- →Human escrow: TTL return if nobody approves
- →Fiat-out: the API seller banks real money
Start paying people, not account numbers.
Get Payflip on the App Store or Google Play.
Compatible with iOS 16+ and Android 12+. No crypto knowledge required.