As global as your ambitions.
Open VAs, collect local fiat and pay out to beneficiaries — with clear ledger attribution.
Harmony Pay helps payment institutions and merchants streamline VA opening, fiat deposits and payouts across supported corridors.
Open corridor virtual accounts
Request VAs through your Payment Institution; Harmony Pay orchestrates channel issuance and binds account details to Merchant / Client.
Collect local fiat into VAs
External payers fund Merchant VAs via local rails; funds auto-sweep to Fiat Master and credit the Client Wallet Ledger.
Pay out with ledger safety
Instruct payouts after balance checks; Client Ledger is debited only on SUCCESS — failed payouts never silently consume balance.
Fiat VA · Deposit · Payout flows
What each part of the journey gives you — without the plumbing.
Open VA
- Local account details in supported corridors
- Issued through your payment institution
- Ready for collection once details are returned
Collect
- Receive fiat via local payment rails
- Funds attributed to the right merchant account
- Coverage across major corridors
Pay out
- Send to local beneficiaries
- Instruct payouts with clear status outcomes
- Failed payouts do not silently consume funds