Paymentus Holdings, Inc. is a provider of cloud-based bill payment technology and solutions for more than 1,900 billers and financial institutions across North America. The Company delivers its product suite through a technology stack. The Company's artificial intelligence (AI)-driven software-as-a-service (SaaS) platform provides a single-vendor solution. Its Instant Payment Network (IPN) connects IPN partners' platforms and various billers to its integrated billing, payment and reconciliation capabilities. Its platform for financial institutions reconnects the financial institutions to their customers by providing a real-time financial hub where consumers can consolidate their financial obligations, pay bills, move money in real time and improve their understanding of their own financial position. Its solution includes electronic bill presentment across numerous channels including Web, mobile, text, secure portable document format (PDF), email, interactive voice response and chatbot.