# Use Cases

Intrapay’s comprehensive API-driven architecture addresses key financial challenges, enabling businesses to innovate without reinventing the wheel. Some representative use cases include:

1. **Streamlined Merchant Onboarding and Transaction Processing**\
   **Scenario:** A payment service provider needs to onboard new merchants quickly and securely.\
   **How Intrapay Helps:**

   * Uses dedicated partner and merchant onboarding endpoints, complete with IP capture and whitelisting to ensure secure access.
   * Implements digital signatures for transaction authenticity and partner key regeneration for robust security.<br>

   **Business Impact:**

   * Faster time-to-market and reduced onboarding friction.
   * Enhanced trust and security for both the provider and its merchants.
2. **Integrated Cross-Border Collections for Banks & Neo-Banks**\
   **Scenario:** A neo-bank wishes to offer real-time international payment services with minimal disruption to existing systems.\
   **How Intrapay Helps:**

   * Facilitates collections via mobile money and virtual accounts (e.g., NGN virtual account collections), supported by secure digital signatures.
   * Provides a customizable interface to fetch orders and manage transactions seamlessly.<br>

   **Business Impact:**

   * Improved customer satisfaction with rapid and transparent transaction processing.
   * Expanded service offerings without extensive backend overhauls.
3. **Dynamic Virtual Account Management for Digital Wallet Providers**\
   **Scenario:** A digital wallet provider seeks to optimize the allocation of virtual accounts to support a surge in transactions.\
   **How Intrapay Helps:**

   * Offers endpoints to assign, check availability, and create orders using virtual accounts from an account pool.
   * Integrates seamlessly with existing wallet apps to deliver consistent user experiences.

   **Business Impact:**

   * Increased operational efficiency and reduced overheads in managing virtual accounts.
   * Enhanced customer experience through reliable and timely payment processing.
4. **Secure Payouts and Crypto Withdrawals**\
   **Scenario:** A fintech company wants to support diverse payout channels, including bank transfers and crypto withdrawals.\
   **How Intrapay Helps:**

   * Provides payout endpoints that include account verification, payout status tracking, and integration with bank codes.
   * Supports crypto-to-fiat withdrawal processes with secure API interactions, ensuring compliance with AML/KYC requirements.<br>

   **Business Impact:**

   * Expanded financial product offerings with secure, compliant, and cost-effective payout solutions.
   * Reduced risk and faster settlement times, improving cash flow management.
