A customer was struggling to collect payments from clients in other countries. Their existing system required separate payment processors for each region, causing delays of 3-5 days for international transactions and fees averaging 4.7% per transaction. As a result, their finance team spent 20+ hours weekly reconciling payments across multiple platforms. Paymonei's Payment Links solution - a single-link payment compatible with both traditional currency and stablecoin payments - enabled automatic currency conversions at market-competitive rates, real-time payment notifications and automated reconciliations, and a branded payment experience with client-specific customization. The result? + Reduced payment processing time from 3-5 days to under 2 hours. + Lowered transaction fees by 68%. + Simplified finance operations reducing reconciliation time by 85%.
- Bridge Apps
- Digital Wallets
- Fintechs
- Marketplaces
- Payments
- B2B Payments
- Cross-Chain Transfers
- E-commerce Payments
- Payment Settlement
- Payouts and Payroll
- USDC
- EURC
- Mint
- Wallets
- Contracts
- Arbitrum
- Avalanche
- Base
- Ethereum
- OP Mainnet
- Yes
- Web
- Free
- APAC
- Europe
- LATAM
- Middle East and Africa
- North America
- Indonesia
- Singapore
Global payments and stablecoin on-off-ramp. Seamlessly handle cross-border transactions with low fees, competitive exchange rates, and enterprise-grade security.
TL;DR
Paymonei offers API and platform technology that provides stablecoin and fiat payment solutions, unlocking borderless business opportunities worldwide.
Our Solution
Our technology infrastructure enables businesses to transcend traditional financial barriers:
- Get paid via payment links using cards, stablecoins, and fiat
- Checkout page solution for your business and e-commerce
- Send and receive funds using stablecoins and fiat
- Connect directly to global and local payment networks
- Enjoy competitive FX quotes and low transaction fees
- Enhanced compliance through KYC/B verticals and continuous KYT monitoring
- Available 24/7 for global business operations
Technical Architecture
Our platform offers a developer-friendly experience with comprehensive tools:
- Developer-first API infrastructure for flexible integration options
- Best-in-class user experience for business operations teams
- Robust payment orchestration with local and global networks
- Intelligent routing technology optimizing for speed, security, and cost
- Real-time transaction verification and monitoring
Built For Diverse Needs
Paymonei's infrastructure powers innovation across multiple industries:
- Digital Commerce
- Global Supply Chain Management
- Cross-Border Business Operations
- Professional Service Providers
- Creator Economy Businesses
- Enterprise Payment Solutions
- Subscription-Based Services
- Freelancer & Gig Economies
- Gaming & Web3 Applications
- Service-Based Businesses
- Independent Consultants & Contractors
Use Cases
A customer operating an online marketplace connecting local craftspeople with global buyers was struggling with slow payments and limited payment options for global buyers. Their previous solution resulted in waiting up to 14 days for funds, with some artisans losing up to 9% of the transaction value to currency conversion and processing fees. Additionally, cart abandonment rate stood at 38%. Paymonei's Checkout solution enabled customized checkout integrations with their existing platform, support for stablecoins and local currencies, and automated compliance checks for cross-border transactions. The result? + Reduced settlement times to artisans from 14 days to next-day availability. + Decreased transaction costs for artisans by 57%. + Lowered cart abandonment rate by 42% through expanded payment options.
A freelancer-focused customer was facing significant hurdles facilitating payments across borders. Their previous payment system resulted in freelancers waiting an average of 7 days for international payments to clear, while incurring fees of 4%-6% per transaction. Nearly 40% of freelancers reported turning down international clients due to payment complications, and 62% experienced payment delays that created cash flow problems. Paymonei's freelancer-focused Payment Links solution enabled personalized invoicing and payment links, multi-currency instant conversion with digital dollar payments, flexible payout preferences (local currency or digital assets), and user friendly payment tracking and management. The result? + Average payment settlement times decreased from 7 days to same-day for 83% of transactions. + Average transaction fees fell from 5.2% to 1.8%. + Cross-border client acceptance by freelancers increased by 47%. + Enabled 24/7 payment processing, eliminating weekend and holiday delays.
This site contains content and information, including links to other sites and resources, that was prepared by third parties ("Third Party Content") who are not affiliated with Circle or any of its affiliates (collectively "Circle"). Circle makes no representations on the accuracy, suitability, or validity of Third Party Content. As such, Circle is neither responsible nor liable for any Third Party Content, including any errors, omissions, or delays, or for any actions taken in reliance upon any Thirds Party Content. Reference to any specific company, product, service, or website of any third party does not constitute an implied or express endorsement, recommendation, favoring or validation by Circle. All content provided is for educational and informational purposes only. Circle shall not be liable for any damage or loss relating to use of, or reliance upon, the Third Party Content.