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At its core, Paylias enables seamless movement of funds between users and platforms through a robust and standardized payment layer. Whether you’re sending money to a friend or collecting payment at checkout, every transaction in Paylias flows through one of two fundamental types: Push Payments and Pull Payments.

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Push Payments

Push payments empower users to initiate transfers from their own account to another customer’s alias. This type of payment is typically used in peer-to-peer (P2P) or person-to-business (P2B) scenarios. In a push payment, the sending customer initiates the transaction by entering the recipient’s alias and amount. Their financial platform constructs a payment request and submits it to Paylias. Paylias validates the request and issues a Payment Submission Task, which must be completed by the initiating platform before the payment can proceed. Once submitted, Paylias delivers a Payment Admission to the recipient’s financial platform, confirming receipt. Finally, a Transaction is created and both platforms are notified so they can update their customers accordingly.

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Pull Payments

Pull payments facilitate merchant-led transactions—ideal for e-commerce checkouts, or service payments. In a pull payment, a merchant collects the customer’s alias and order information, then initiates the payment from their financial platform. The partner submits this request to Paylias, which verifies the request and sends a Payment Admission to the customer’s financial platform. Paylias also issues a Payment Admission Task, which the receiving partner must process by collecting customer authorization. Once completed, a Transaction is created and both sides are notified of the result.