PayNotes.

Programmable payments for banks, processors, and fintech

Payments shouldn't be an afterthought—they should act.

With Blue, you can embed logic directly into value movements: conditional pay, refunds, capture/authorization flows, and more—all autonomously executed and auditable.

Payer

Knows precisely what they’ll pay and when.

Payee

Clearly understands what to do to get paid.

Guarantor

A trusted entity that enforces the rules exactly.

Key Benefits:

  • Eliminate Disputes
  • Evidence-Based Automation
  • AI-Ready Transactions
  • No Forklift Upgrades
  • Open & Portable
Learn More about PayNotes
PayNote interface screenshot