List of Bill Pay tools companies in Web3 (2026)

Mt Pelerin Bill Payment Service enables users to pay invoices and bills using cryptocurrency, converting crypto to fiat for payment of rent, insurance, taxes, and utilities without requiring a bank account.

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.

BitPay Bill Pay is a service to pay bills such as credit cards, mortgages, and utilities using cryptocurrency with conversion to the biller’s required currency.

Pretium makes stablecoins like USDT and USDC spendable across Africa by bridging local payment rails, such as mobile money networks, with blockchain infrastructure. The app enables users to pay bills, pay merchants, send cross-border transfers, and access crypto-backed lending across multiple African markets.

A self-custodial payment gateway enabling merchants to accept cryptocurrency payments through blockchain networks with peer-to-peer settlement. The system provides a unified API supporting multiple cryptocurrencies, automated invoice generation with 15-minute expiration windows, and direct customer-to-merchant wallet transfers without intermediary custody or private key requirements.

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.

Multi-Currency Swap enables instant conversion between stablecoins and fiat currencies through a unified platform interface. The system processes real-time rate calculations while maintaining regulatory compliance and transparent fee structures.

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.

FuzePay provides payment infrastructure supporting real-time settlements, virtual IBANs, and cross-border transaction processing. The platform implements AI-driven compliance monitoring and fraud detection for payment operations. Users can process digital payments with merchant tools for payment collection and fund management across multiple currencies.

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.

SwiftRecharge Platform facilitates international mobile top-ups, data bundle purchases, and gift card transactions through web and mobile interfaces. Users select countries, enter recipient mobile numbers or choose gift card brands, specify amounts, and complete payments using cryptocurrency or traditional payment methods. The platform processes transactions automatically with instant delivery confirmation and supports various mobile operators across multiple countries.

The TrustLinq Platform provides a regulated infrastructure layer for converting cryptocurrency holdings into fiat-denominated bank transfers globally. Users deposit USDT, USDC, or EURC 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.