Decaf

Programmable payments

Put global payment operations into a controlled workflow.

Connect payment intent, permissions, approvals, execution, and status so your product can coordinate supported global money movement without turning every exception into manual work.

Now onboarding design partners.

Conceptual design-partner workflow
  1. 1Intent
  2. 2Validate
  3. 3Apply policy
  4. 4Approve
  5. 5Execute

Use cases

Automate the work around the payment.

Start with a repeatable operating job and define the controls it needs before money moves.

01Conceptual design-partner workflow

Marketplace payouts

Connect approved seller and service-provider payments to your platform records and controls.

02Conceptual design-partner workflow

Payroll disbursements

Move approved payroll funds in controlled groups. Decaf does not calculate wages, taxes, benefits, or employment obligations.

03Conceptual design-partner workflow

Supplier payment batches

Prepare, validate, approve, and track groups of supplier payments.

04Conceptual design-partner workflow

Last-mile payments

Reach recipients through WhatsApp or email and guide them into a secure claim and eligible access journey.

Operational design

Design for retries, exceptions, and review.

The payment lifecycle should preserve intent and make actionable states visible to product and operations teams.

Idempotent intent

One identity represents one intended operation across safe retries.

Immutable history

Keep submitted instructions and outcomes traceable rather than silently replacing them.

Batch exceptions

Separate successful, pending, and failed items when a group has mixed outcomes.

Preflight validation

Check recipient and route requirements before execution.

Review boundaries

Require an authorized approval step where the agreed workflow needs it.

Controlled lifecycle

One lifecycle from intent to reconciliation.

Each step represents a responsibility in a reviewed integration—not a published endpoint or state enum.

  1. Intent
  2. Validate
  3. Apply policy
  4. Approve
  5. Execute
  6. Observe
  7. Reconcile
Conceptual lifecycle; exact interfaces and behavior are defined with qualified design partners.

Explore related workflows

Explore Decaf for Developers

Decaf for Developers

See the complete controlled payment platform.

AI-agent payments

Apply identity, budget, policy, and approval boundaries to agent requests.

Stablecoin payments API

Connect the payment lifecycle to supported fiat and USDC infrastructure.

Mass payouts

See the Business workflow for controlled recipient batches.

Programmable-payments FAQ

Questions about controlled payment automation.

Design-partner access

Bring us the workflow you need to automate.

Tell us the payment job, controls, markets, and outcomes your product needs.

Now onboarding design partners.