# Overview

Pivot is an all-in-one payment solution designed to support marketplaces, SaaS platforms, and businesses across industries. By integrating with Pivot, you can focus on your core business while we handle the complexities of payment operations. Our Account and Balance Management product offers robust, scalable features to simplify financial management and empower your growth.

With Pivot, you can:

* Process Payments: Accept payments on behalf of your users, split and route payments, deduct fees, and securely hold funds until the agreed settlement time.
* Pay Out and Transfer Funds: Send funds to domestic or global bank accounts, or manage internal transfers within your platform by debiting or crediting users as needed.
* Manage Risk: Protect your platform by detecting fraudulent transactions, preventing suspicious payouts, and flagging unusual user activities.
* Generate Reports and Reconcile: Track all money movements with detailed reports, ensuring accurate bookkeeping and financial transparency.

In addition, Pivot provides specialized tools for managing transacting accounts. Create and manage sub-accounts, assign unique payment identities to KYC-verified users, and configure customizable fee structures. Sub-accounts can also access a dedicated dashboard for streamlined management, along with comprehensive reporting and analytics.

Pivot equips your business with the tools to simplify payment operations, reduce risk, and scale effortlessly — making it the perfect solution for businesses of any size.

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