You send crypto. They receive USD.
Use crypto to pay anyone, for anything, anywhere.
Why Pay.so?
The leader in crypto-to-fiat payments
Pay.so fuses crypto and fiat payment rails into one transaction. The sender transfers crypto, which is automatically liquidated and deposited into the recipient's bank account, all in one click.
ORDER + GAS PRICE
$65.98
FEE
$0
TOTAL
$65.98
aygideon14@gmail.com just paid you $14 in USDC
April 12, 2021 3:46PM
CUSTOMER
(cj@unplug.wtf)
2 Gail Lane, Georgetown, 40324 United States
SUBTOTAL
$2500
TAX (20%)
$500
TOTAL
$3000
Where would you like to cashout to?
Bank Account
e.g Chase, HSBC
Centralized exchange
e.g Binance, Coinbase
For senders
Spend crypto anywhere
Accepted by everyone
Forget whether the recipient can accept crypto. You send crypto, but they will receive a bank transfer.
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Ultra-low cost
Pay.so charges sender a simple, low 1% fee.
Cross-chain capability
Works with popular stablecoins on Ethereum and Polygon chains.
Super easy
Pay.so requires nearly no crypto knowledge to use
For recipients
Accept crypto without even realising
Just arrives as fiat
A recipient of a Pay.so transfer does not even need to know the funds originated in crypto.
Full amount received
Because Pay.so charges the sender, your recipients receive the full amount they expect, just like a normal bank transfer.
Payment reference included
Any reference message can be included on the payment for easy reconciliation.
No crypto complexity
Accepting crypto requires techncial, FX, and operational complexity. Getting paid via Pay.so requires none.
Send up to $1m in a single transaction
Pay.so is just like the best fintech apps you already know and love, capable of handling high value B2B payments.
Integrate
Add crypto-to-fiat payments to your product
Our crypto-to-fiat payment functionality is powered by a separate company called Cheq.xyz.
Cheq.xyz is a recognised Virtual Asset Service Provider in the EU, and processes crypto-to-fiat payments on behalf of Pay.so.
Anyone can use the Cheq.xyz API to add crypto-to-fiat payment functionality to their products.
Pay.so FAQs
What’s important to you?
Fees
Sending crypto directly to a bank account incurs a charge of 1% of transaction value, paid by the sender.
Using Pay.so to accept crypto payments is free.
Check out our full pricing page.
Integrations
Pay.so has a simple but powerful API for creating crypto-checkouts, as well as a Zapier integration for no-code users.
Customers interested in leveraging crypto-to-fiat payments into their products should check out Cheq.xyz, our regulated partner who can provide this service.
Infrastructure
Pay.so provides an easy-to-use interface over technology that is typically reliable but hard to use.
Our crypto-checkouts streamline the experience to sending and receiving blockchain transactions.
Our crypto-to-fiat features fuse crypto off-ramping with fiat payment rails, thanks to the use of Cheq.xyz.
Pay.so also adds helpful features like notifications, code and no-code APIs, and an intuitive dashboard to make crypto-payments feel like familiar fintech.
Ease of use
Pay.so is built to feel familiar and straightforward to use, with minimal reference to the complexity usually associated with crypto.
No previous crypto knowledge is required to use the platform and all features can be enjoyed from the point-and-click interface.
Customer Support
Cheq has dedicated human support for every user available through live chat or email.
Developers can book calls with technical members of the Pay.so team to get hands on help with their integration in one click from inside the 'Developers' section of the app.
Currencies
Pay.so can accept USDC, USDT and DAI on the Polygon or Ethereum chains, and make fiat payments to bank accounts in nearly every country worldwide in USD, EUR, or GBP.
Security
Pay.so never takes custody of your funds. Only you can make transfers transactions to our regulated partners who instantly liquidate the crypto and initiate a fiat payment.
Consequently we never hold assets that can be exploited by attackers.
KYC Checks
KYC is not enforced by default unless you want to utilise our crypto-to-fiat payment features.
If you are asked to perform KYC by our regulated partner, it is a straightforward process where you provide a scan of your government issued ID and a facial scan. Results are usually returned within an hour.
Fraud
Crypto transactions are usually anonymous, making fraud a commonplace issue.
Pay.so gathers the personal information typically associated with traditional payments to mitigate the use of the platform for malicious purposes. Our regulated partners perform KYC and AML checks where necessary throughout the payment lifecycle.
Use Cases
Pay.so is a powerful platform that can be used for a variety of use-cases.
Our crypto-to-fiat payment features allow Web3 companies and DAOs to spend their crypto treasury, and facilitate payments out of LatAm and Africa to the rest of the world.
Our crypto-acceptance features are used by NFT marketplaces, SaaS businesses, startups raising funding, and events companies selling conference tickets.
Developer Tools
If you like Stripe, you'll love Pay.so.
Our API is built with the same principles in mind, making moving money easy.
Because crypto is inherently programmable, the integration is much easier than you think. Plus, you can book time with our tech team to get free hands on help with your integration.
Uptime
Payment flows have to be robust and always available.
Pay.so has a best in class 99.99% uptime record. Because the blockchain provides the core of our infrastructure, we are running on the world's most battle tested payment rails.
Customers already trusting Pay.so
Pay.so made it possible for us to lead by example and accept crypto for our web3 event. Additionally, the fact that they don’t charge a transaction fee meant more budget to put on an amazing experience for our guests.
Henry Horsefall
Founder and CEO, Zebu Live
My client doesn't usually pay in crypto, so sharing a Pay.so link with them made life much easier. They were able to pay with confidence, and I received my funds instantly to my MetaMask wallet which I immediately cashed out to Binance with no extra fee.
Antonio Garcia
Upwork Freelancer
Pay.so allowed me to accept USDC like a business. My investors loved the experience, giving them confidence when transferring large sums of money.
Elias Simos
Founder & CEO, Rated Labs
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Around half of our sales are made with crypto. Without Pay.so we'd have to either only support credit card or put up with expensive fees and a sub-standard crypto checkout process.
Augustinas Malinauskas
Co-Founder & CTO, Verse
Pay with crypto everywhere
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