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Art of Pay
Control the Flow. Capture the Spend. Power the Ecosystem.
The financial exchange layer for fragmented industries.
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Powering Embedded Finance Where SaaS Hasn't Reached
We are the financial exchange layer for fragmented, underserved industries—starting with real estate, social media, and insurance.
Art of Pay transforms outdated, manual ecosystems into intelligent, monetizable networks by embedding payments, credit, and insurance directly into real-world workflows.
We make complex financial interactions simple—no heavy lifting, no fragmented tools, just one unified platform.
One Platform. Many Providers. Infinite Choice.
Fully embedded, low-code/no-code financial stack
Integrate financial services without extensive development resources
Built for vertical workflows—real estate, creators, insurance
Tailored solutions for industry-specific processes and requirements
Fast time to value, full compliance, zero disruption
Implement quickly while maintaining business continuity and regulatory standards
Plug-and-play integrations that scale
Expand capabilities as your business grows without additional complexity
Our partners gain:
Single integration access
Banking, insurance, and billing in one platform
Zero-CAC distribution
Into high-intent verticals
Embedded intelligence
Identity, risk, and transaction insights
We make financial services feel native—where they belong.
Real-world expertise. Real-time execution
First Mobile Payments Provider (Parking, Telecom)
North America
First End-to End Payments Processor
North America
First Neobank; First Mobile Payments Processor
Canada
Robert Elensky
Founder, CEO
Serial fintech founder | 2 digital bank exits | Former payment processor CEO
Parth Bhavsar
COO
Led global operations at 4 digital banks
Nick Seelert
CTO & AI
Co-founder & CTO of Senso.ai | AI-first fintech engineering
Joan Baron
VP Insurance
Former Co-operators exec | Deep MGA channel experience
Danielle Graffunder
CCO
2 Banks, 2 Fintech & 1 Processor
Alejandro J. Rivera
Head IC
Founder of Influexer | Creator economy payments
Board & Advisors
Managing Partner, AltaIR Capital
Former CEO Manulife & John Hancock