PayRails

PayRails is a real-time payments demo that shows how money can move instantly between consumers and businesses across modern U.S. payment rails.

⚠️ Demonstration app: PayRails is a minimum-viable-product demo. All transactions are simulated and no real money moves. Please do not enter real bank account numbers or
other sensitive financial information.

WHAT YOU CAN DO

• Consumer wallet — load a prepaid balance and pay merchants instantly.
• Pay by QR — scan a merchant or recipient code to start a payment in seconds.
• Business payments — merchants can send merchant-to-merchant (B2B) payments backed by a simple ledger.
• Choose your rail — route payments over FedNow, RTP, ACH, or card, with discounts on instant rails.
• Instant confirmation — see payments complete in real time with clear status updates.
• Built-in safety checks — unusual transactions are flagged before you confirm.

WHY MODERN RAILS

Instant payment networks like FedNow and RTP settle in seconds, around the clock. PayRails demonstrates how a single app can give consumers and businesses access to these
rails with a clean, simple experience.

PRIVACY & SECURITY

All traffic is encrypted in transit (HTTPS/TLS). Passwords are stored hashed and sensitive fields are encrypted at rest. We never sell your personal information. You can
request access to or deletion of your data at any time. See our privacy policy at https://payrails.onlinegbc.com/privacy.

PayRails is intended for users aged 18 and older.

Operated by GBC-ai4org (OnlineGBC). Questions: payrails-privacy@onlinegbc.com