Card-to-card payment matching
PAYNYX
PAYNYX connects a bank’s deposit SMS to a sales invoice. The money goes straight to the seller’s own card, and the payment result to their sales system.
The problem
Selling by card-to-card transfer means checking every deposit SMS against open orders by hand: which amount, to which card, when, and for which invoice. It is slow, and the more orders there are, the easier a mistake becomes.
What the product does
The deposit SMS reaches PAYNYX from the seller’s own phone, through the Android app, a compatible forwarder or an iPhone Shortcut. Amount, destination, time and uniqueness are matched against the invoice; an exact match is confirmed, and anything ambiguous is left for the seller to review. Sales connect through a payment link, the WooCommerce plugin, or the API and signed webhooks.
Behind the technology
PAYNYX does not receive or hold money and does not take the buyer’s PIN or CVV2. A one-time password is dropped on the phone itself and is never sent or stored. Automatic confirmation applies only to an SMS from the bank’s own sender or a sender the seller approved; an unknown sender, and anything that arrives through the iPhone Shortcut, waits for the seller’s review. The server is built with Hono and PostgreSQL, the dashboard with Next.js and the Nasim interface library, and the Android relay with Kotlin.
- TypeScript
- Hono
- PostgreSQL
- Next.js
- Kotlin
- WooCommerce