DreamPay provides an API‑first embedded payments platform that enables banks, insurers and digital marketplaces to add point‑of‑sale, online checkout and mass‑payout capabilities without building their own payment infrastructure. The service includes sandbox testing, real‑time webhooks, tokenization, end‑to‑end encryption and built‑in PCI‑DSS, AML, KYC and GDPR compliance, plus a dashboard for transaction monitoring and settlement reporting.
Funding
$871K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Enterprises such as banks, insurers, and digital platforms often need to embed both inbound and outbound payment capabilities into their existing customer journeys, but building a compliant, secure payment stack in‑house is time‑consuming, costly, and fraught with regulatory risk.
Solution
DreamPay delivers a unified, API‑first embedded payments platform that lets these organizations launch point‑of‑sale, online checkout, and payout flows without developing core payment infrastructure. The solution provides sandbox environments for rapid integration testing, real‑time webhook notifications for transaction events, and out‑of‑the‑box compliance controls (PCI‑DSS, AML, KYC, GDPR). By exposing modular endpoints for payment authorization, settlement, and disbursement, DreamPay enables developers to embed payment experiences directly within web, mobile, or POS interfaces. The platform’s tokenization and end‑to‑end encryption protect sensitive card data, while flexible pricing models (interchange‑plus, revenue‑share) align costs with transaction volume. Centralized dashboards give operators visibility into transaction health, fraud alerts, and settlement reporting, reducing operational overhead and accelerating time‑to‑market.
Target Audience
Primary customers are financial institutions, insurance carriers, and platform or marketplace operators that require embedded payment and payout functionality within their digital products.
Features
- RESTful and SDK‑supported API suite covering authorization, capture, refunds, and mass payouts
- Sandbox environment with mock card data and configurable response scenarios for end‑to‑end testing
- Real‑time event webhooks for payment success, failure, chargebacks, and settlement updates
- Built‑in tokenization and end‑to‑end encryption (E2EE) to secure cardholder data at rest and in transit
- Comprehensive compliance stack: PCI‑DSS Level 1, SOC 2 Type 2, AML screening, KYC verification, GDPR data‑privacy controls
- Modular in‑context UI components for seamless checkout integration across web, mobile, and POS terminals
- Flexible pricing options including interchange‑plus rates, revenue‑share models, and zero‑fee processing tiers
- Centralized analytics dashboard with transaction monitoring, fraud detection rules, and settlement reconciliation