List of Bill Pay tools companies in Web3 (2026)

Mt Pelerin Exchange is an on/off-ramp service for buying, selling, and swapping cryptocurrencies using bank transfers or card payments, delivered directly to a user's own wallet. It supports transactions up to certain limits without requiring identity verification and settles in a range of fiat currencies. A built-in cross-chain bridge lets users transfer supported assets between multiple blockchains with guaranteed delivery, and an embeddable version of the same exchange functionality can be integrated into third-party websites and apps through direct links, an embedded frame, or a mobile package. The service also lets users pay everyday invoices and bills, including rent, insurance, taxes, and utilities, directly with cryptocurrency, with automatic conversion and settlement to the recipient. It operates as a non-custodial intermediary that never holds user funds itself.

Coins.ph Platform is a consumer financial application that lets users buy, sell, and hold cryptocurrencies alongside everyday payment services. Users trade spot crypto pairs, convert assets with one-click buys, pay bills, buy mobile load, send domestic and cross-border remittances, and pay merchants through QR codes, all from a single account. The app also offers a rewards hub, referral and VIP loyalty programs, and a launchpool feature for earning yield on eligible assets, plus an integrated self-custody web3 wallet for managing external crypto holdings. Coins.ph issues its own peso-pegged stablecoin, which is used within the platform for payments and transfers.

Spritz Bill Pay is a consumer tool that lets users pay real-world bills directly using cryptocurrency from a connected wallet. The service converts crypto into fiat and settles payments with thousands of connected billers, including credit cards, loans, and utilities, without requiring a traditional bank account. It also supports scheduling recurring, gasless monthly payments for a bill using a stablecoin on a supported network, letting users automate repeat bill payments from their wallet.

NoOnes Airtime Top-up is a bill pay tool that lets users recharge mobile airtime and data plans worldwide using cryptocurrency. Users select a phone number and mobile operator, then pay with their crypto balance to instantly deliver airtime or data credit. The service targets users who want to fund mobile phone accounts across a wide range of countries and operators without local currency.

Pretium Finance App is a consumer mobile wallet that makes stablecoins spendable across African markets. It lets users pay bills, pay merchants, send cross-border transfers, and access crypto-backed lending by bridging local payment rails such as mobile money with blockchain settlement. The app is aimed at everyday consumers seeking to move between stablecoins and local currencies, and it settles remittances directly to mobile money or bank accounts.

Pretium Agentic Payments is a Model Context Protocol server that lets AI agents execute payments across African fiat and stablecoin rails directly through chat-based tools such as Cursor, Claude, or ChatGPT. It exposes payment capabilities as callable tools rather than a REST integration, letting agents register spend policies, validate recipients, check balances, and send fiat or stablecoin payouts autonomously within programmable limits. The product serves developers and businesses that want AI assistants to pay bills, settle invoices, or execute recurring payments on their behalf across multiple African markets.

BitPay Bill Pay is a service that lets users pay bills such as credit cards, mortgages, and utilities using cryptocurrency. The service converts crypto into the currency required by the biller and settles the payment directly. It is aimed at individual users who want to cover recurring obligations without first converting crypto through a separate exchange.

ForgingBlock Payment Gateway is a non-custodial cryptocurrency payment gateway that lets online merchants accept crypto and stablecoin payments. It provides a unified API and hosted checkout pages for creating orders, generating invoices, and settling payments directly between customer and merchant wallets without an intermediary holding funds. Businesses use it to integrate crypto checkout into online stores, receive real-time payment webhooks, and accept payment across multiple blockchains and stablecoins.

BoundlessPay is a consumer neobank offering a mobile wallet for holding, buying, and selling multiple cryptocurrencies alongside cross-border money transfers with local bank settlement. Users can grow savings individually or in groups through flexible, fixed, and target savings plans that pay interest, pay bills such as airtime, data, and utilities, and spend through physical or virtual payment cards. The app is aimed at individuals sending and managing money across borders using stablecoin-backed rails via licensed financial partners.

Busha is a consumer cryptocurrency exchange app that lets individuals buy, sell, and convert a wide range of digital assets using local currency on-ramps. It offers automated recurring purchases, instant conversions between assets, and peer-to-peer sending and receiving of crypto and stablecoin balances. The app also includes savings plans with an interest-free option, crypto-backed loans collateralised by supported digital assets, a stablecoin-backed virtual USD card for global spending, and bill payment tools. All these features operate within a single account and interface, giving users a combined trading, saving, borrowing, and spending experience.

API-based gateway that lets merchants accept crypto or BRL and settle in their preferred currency.

XPR Checkout is a WooCommerce payment gateway plugin that enables merchants to accept cryptocurrency payments using WebAuth wallet on XPR Network. The plugin supports multiple digital assets with instant settlement and zero transaction fees.

Truther Wallet is a self-custody wallet that lets users hold and spend stablecoins and other digital assets in daily transactions. It converts crypto holdings to local currency and connects to local instant payment networks, letting users pay bills, withdraw cash, and make purchases directly from their wallet balance. A companion card, issued through a payment network partner, extends spending to point-of-sale purchases without requiring users to give up custody of their keys.

Monica is a mobile application that converts cryptocurrency into Nigerian naira and provides everyday financial services. It lets users send crypto to a personal deposit address and receive naira payouts to a bank account shortly after on-chain confirmation, alongside bill payments, airtime and data top-ups, gift card purchases, a virtual dollar card, and person-to-person transfers. The app targets Nigerian consumers seeking a faster alternative to peer-to-peer crypto trading or exchange withdrawals.

Mular App is an on/off ramp that converts cryptocurrency into Naira for everyday spending and payments in Nigeria. Users fund the app with crypto or a Naira card, then send, swap, or spend directly from their crypto balances, with conversions settling to a linked Nigerian bank account. It serves crypto traders, freelancers, and diaspora users who want to avoid peer-to-peer trading when moving digital assets into local currency. The app also supports bill payments, global payment links, and USD-denominated saving as a hedge against Naira volatility.

DTC Wallet is a self-custody digital asset wallet for storing and managing stablecoins and fiat currencies. Users deposit, withdraw, and send funds, convert between stablecoins and fiat within the same app, and scan QR codes to pay merchants directly. The wallet integrates identity verification for compliance and supports multiple stablecoins alongside traditional currencies.

Swapin is a crypto payment platform that lets businesses and individuals convert between digital assets and fiat currencies. It provides payment links and API tools for merchants to accept crypto and stablecoin payments, personal tools to buy or sell crypto against fiat, and an embeddable widget that lets Web3 platforms offer on-ramp and off-ramp functionality within their own interfaces. The platform operates as a non-custodial service, settling fiat through dedicated bank accounts and cross-border transfers within Europe. Businesses can also use it to pay invoices or bills using cryptocurrency holdings.

Apex is a consumer cryptocurrency exchange and payments app that lets users buy, sell, and swap digital assets alongside everyday financial tasks. The app supports fiat and crypto wallets, gift card trading, utility bill and airtime payments, and issuance of a virtual USD card for online spending. It is aimed at individual retail users seeking a single mobile and web platform for crypto trading and day-to-day payment needs. Users fund wallets through bank transfer, peer-to-peer transfer, or crypto deposits across supported blockchain networks.

Qash is a payments product enabling individuals and businesses to send and receive money using cryptocurrency across borders. Users make instant transfers, pay bills, and generate payment links to collect funds from others, all through the same Qash account. It supports personal remittances as well as merchant-style payment collection for businesses.

Tapnob is a payment platform that lets individuals convert Bitcoin, USDT, and USDC into local currency for instant bank or mobile money settlement across Africa. Users can buy Bitcoin with local currency, receive funds via a personal Tapnob address, cash out Bitcoin and stablecoins to a bank account, and pay bills such as airtime and utilities. The platform is aimed at freelancers, diaspora recipients, and everyday users seeking fast, low-fee cross-border payments and Bitcoin utility.

Snappy Exchange is a centralized exchange platform for trading cryptocurrencies and gift cards, converting airtime to cash, and paying bills. Users buy, sell, and swap multiple cryptocurrencies and redeem retail gift card brands through a unified web and mobile interface, settling in Nigerian Naira or Ghanaian Cedis. The platform also offers bill payment services and airtime-to-cash conversion alongside a tiered loyalty rewards program with token-based incentives and referral commissions.

BitGifty is a platform for creating and sending cryptocurrency gift cards via email, allowing senders to deliver crypto to recipients who do not need a wallet address or prior crypto experience. Senders select a cryptocurrency amount, enter a recipient's email address, and the recipient redeems a unique code to receive funds. The platform also supports utility payments and purchases of brand gift cards from major retailers and streaming services using cryptocurrency. It is accessible through an EVM-compatible DApp across multiple chains, a Celo MiniPay browser integration, a Stellar network interface, and a mobile web application.

Flutterwave Checkout is an online payment checkout system featuring smart payment ordering, processing speed optimization, and multiple payment method support designed to streamline revenue collection and enhance customer payment experience.

Orbi Wallet is a self-custody digital dollar account that lets users buy, hold, send, and spend stablecoins and other digital assets. It accepts Mexican peso deposits via SPEI transfers with instant conversion into stablecoins, and supports transfers to external wallets and exchanges across multiple blockchains. Within the same account, users can freeze balances for a fixed term to earn tiered rewards, pay utility and service bills, top up mobile phone plans, and purchase digital gift cards without converting back to pesos. The app is aimed at Mexican residents seeking a global dollar-denominated account alongside everyday payment utility. It works as a single unified interface for saving, converting, and spending digital dollars.

Manteca API Platform is a payments infrastructure and orchestration service that lets fintech companies integrate crypto, brokerage, payment, and banking services across Latin America through unified APIs. It aggregates crypto deposits and withdrawals, brokerage account onboarding, QR-based payments, fiat-crypto ramp conversion, bill payments, and virtual account issuance behind a single integration layer. The platform handles regulatory compliance, identity verification, and multi-currency settlement, and is used by businesses seeking to embed financial services without building backend infrastructure. It supports crypto operations across multiple blockchains and connects to regional payment rails and banking systems throughout Latin America.

SwiftRecharge Platform is a bill pay and digital voucher service that lets users send international mobile top-ups, data bundles, and gift cards to recipients worldwide. Users select a country, enter a recipient mobile number or choose a gift card brand, specify an amount, and complete payment using cryptocurrency or traditional payment methods. The platform processes transactions automatically with instant delivery confirmation and supports numerous mobile operators across many countries.

The TrustLinq Platform provides a regulated infrastructure layer for converting cryptocurrency holdings into fiat-denominated bank transfers globally. Users deposit stablecoins into their TrustLinq account, complete identity verification, and initiate payment requests to any recipient worldwide. The platform automatically converts cryptocurrency to fiat at competitive rates and executes settlement through local banking rails including SEPA for European transfers, SWIFT for international wire transfers, ACH for United States payments, Faster Payments for United Kingdom transfers, and domestic banking networks across multiple supported currencies. Recipients receive standard bank transfers in their local currency without requiring cryptocurrency knowledge, digital wallets, or changes to existing banking arrangements.

KudiX is a mobile wallet that lets Nigerian users hold stablecoin and naira balances in one account. It accepts stablecoin deposits across multiple blockchains, converts them into a naira balance at a displayed market rate, and lets users withdraw to any Nigerian bank account or back out to an external wallet on-chain. From the same balance, users can pay for airtime, data, television and electricity bills, and can earn bonuses through a referral program.

Blockroll is a neobank for Nigerian freelancers, gig workers, and remote workers that combines multi-currency accounts with digital payment tools. Users hold and convert fiat currency and stablecoins in a single wallet, send and receive payments globally, pay bills and buy airtime, and generate invoices to collect client payments. The platform also issues a virtual spending card funded with stablecoins for online purchases and subscriptions, alongside a shareable profile hub for freelancers to list services and payment links.

Swapam is a financial services platform that converts cryptocurrency into fiat currency for users in Nigeria. It lets users swap crypto assets for local currency, manage virtual accounts, and pay for utilities such as electricity, airtime, cable subscriptions, and betting account funding. The platform is used by individuals seeking fast crypto-to-fiat conversion alongside everyday bill payment services.

BNKA is a neobank platform that provides multi-currency accounts for people living between Europe and Latin America. Users hold balances in euros alongside Argentine pesos, Peruvian soles, or Colombian pesos, receive a European IBAN for salary or client payments, and convert between currencies in real time. The platform supports cross-border transfers along corridors to Argentina, Peru, and Colombia, along with bill payment and mobile top-up services for accounts back home. A linked payment card is also available for spending in local currency. Underlying financial services, including account safeguarding and card issuance, are provided by regulated third-party institutions rather than by the platform operator itself.