What is Ayris Pay?
Ayris Pay is a control-first mobile wallet that enforces spending rules before authorization, not after.
Today's digital wallets depend on acquirer networks they don't control. Transaction data crosses borders without consent. Cardholders can't set their own spending rules. And the workarounds cost 50 to 60% more than they should. Ayris Pay moves the rules to the wallet itself, so every transaction is governed before it reaches the network.
Built for Control, Not Convenience Theater
Shared Card
Share your card with family, friends, or team members without handing over your credentials. The shared user gets access to spend. You keep full visibility and control over every transaction.
Usage Control
Set a total usage limit on any shared card. Once the balance is exhausted, the card stops working automatically. No overdrafts, no surprises, no manual follow-ups.
100% Day-1 Acceptance
Every card works at every contactless terminal from the moment it's provisioned. No failed taps. No acquirer dependency.
Cardholder Control
Set merchant categories, transaction limits, and geographic restrictions. Rules are enforced before the authorization hits the network, not cleaned up after.
Enhanced Security
Primary card details never leave the wallet. When a card is shared, credentials stay hidden. The shared user can spend, but they never see the actual card number.
Regulatory Compliance
Data residency controls and local processing are built in. Your transactions stay where your regulations say they should.
Cost Efficiency
No acquirer dependency. No third-party middleware. That cuts up to 60% off the cost of running a wallet compared to legacy setups.
The Network Value of Control
Better Acceptance
Every contactless terminal, from day one. No acquirer dependency.
Increased Usage
Secure sharing opens a cashless spending path for families and teams.
Lower Risk
Cardholders manage their own risk. Less fraud. Fewer chargebacks.
Cost Effective
No third-party dependency. 50 to 60% lower cost.
Personalization
Cardholders set their own rules: categories, limits, geography.
Ready to take control?
Talk to our team about how Ayris Pay fits into your card program.
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