List of Payments Infrastructure & Orchestration companies in Web3 (2026)

Zebec App provides a comprehensive financial infrastructure with real-time streaming payments, treasury management through secure multi-signature vaults, and continuous payment technologies for individuals and businesses.

Ivy Payouts is a payments infrastructure product that enables businesses to send instant payouts, refunds, and settlements across fiat and stablecoin rails through a unified API. The platform supports disbursements to bank accounts and whitelisted crypto wallet addresses with configurable settlement options.

AX ONE is a cross-border payment and stablecoin settlement infrastructure offering multi-currency accounts supporting USD, EUR, GBP, and HKD with 24/7 remittance via stablecoin and local payment rails under KYC and AML compliance. It anchors the AlloyX Stablecoin Network (AXSN), a multi-chain institutional network enabling banks, payment service providers, virtual asset exchanges, liquidity providers, and cross-border traders to settle stablecoins and fiat currencies globally in real time.

StraitsX Platform provides payments infrastructure for fiat and stablecoin transactions through secure APIs, enabling businesses to accept payments, make payouts, swap between stablecoins, access OTC trading services, and manage dedicated virtual accounts with programmable fund flows and compliance-ready integrations.

Reap Embedded Finance platform provides comprehensive API infrastructure enabling businesses to integrate card issuing, payment processing, and stablecoin financial services directly into their applications through white-label solutions and developer tools.

Fully managed Lightning Network infrastructure for native USDT settlement and enterprise-grade yield.

Swapper Deposits is a payments infrastructure SDK enabling DeFi platforms to accept user deposits via payment cards, crypto transfers, and Web3 wallets through an embeddable iframe widget. The system orchestrates the full deposit flow using the Chainlink Runtime Environment, routing funds across multiple blockchains via Chainlink CCIP, with KYC/AML compliance managed by integrated regulated third parties. Platforms embed the widget via a TypeScript SDK or direct iframe without requiring separate payment licenses.

Uquid Business is an all-in-one business spending platform that helps companies manage treasury, employee spending, travel, procurement, and vendor payments in one place, with a setup designed for smoother cross-border operations and more efficient financial workflows.

Mesh Platform provides embedded financial infrastructure through APIs connecting to hundreds of exchanges and wallets. The platform includes Mesh Pay for crypto payment processing with SmartFunding technology, Mesh Deposit for embedded crypto deposits with intelligent routing, Mesh Payout for automated disbursements, Mesh Portfolio for real-time account aggregation and data analytics, Mesh Ramp for fiat-to-crypto conversion, and Mesh Verify for wallet ownership verification and compliance tools.

Mesh Payment Network coordinates cryptocurrency payment operations through unified API infrastructure connecting exchanges, wallets, and financial platforms. The system enables merchant payment acceptance with SmartFunding conversion technology aggregating multiple funding sources, facilitates customer deposits from external accounts through embedded authentication flows, implements wallet ownership verification for regulatory compliance through Satoshi Test micro-deposits and KYC-lite matching with MiCA and EBA Travel Rule standards, and processes cryptocurrency payouts with programmatic address retrieval and transfer status monitoring across supported networks.

Bando Widget provides embeddable spending functionality for wallets and dApps, allowing developers to integrate crypto payment capabilities through customizable JavaScript components with wallet control and styling options.

FiveWest ZAR Payouts is an end-to-end automated payout infrastructure service enabling enterprises to distribute ZAR to South African recipients with same-day settlement across supported African and Southeast Asian corridors. Businesses fund accounts in ZAR, stablecoin, or supported fiat via dashboard or API, and FiveWest handles local currency conversion, corridor routing, and instant Payshap settlement at major South African banks within FiveWest's licensed framework.

CoinPay White Label Solution provides businesses with customizable payment and transfer services that can be branded and tailored to meet specific customer needs. The solution includes access to a personalized payment platform for business partners with customization options for payment and transfer services.

Lightspark Connect provides Lightning Network infrastructure through managed nodes and APIs, enabling businesses to send and receive Bitcoin payments without managing Lightning complexity. The system handles liquidity, routing, and channel management while offering enterprise-grade security and compliance features.

Codex FX is a B2B API platform for wholesale fiat-to-stablecoin conversion and stablecoin-to-stablecoin swaps at institutional OTC rates. Businesses in emerging and frontier markets use it to settle cross-border transactions in under 30 minutes, 24/7, across corridors.

CFX Payment Infrastructure provides digital dollar infrastructure through unified APIs that aggregate payment rails including ACH, Wire, and FedWire with stablecoin settlement capabilities. The system enables developers to access wholesale money services, implement KYC/KYB verification, and facilitate cross-border transactions through FDIC-backed custodial accounts and blockchain technology.

meCash Business is a payments infrastructure platform that enables businesses to process cross-border payments through a web dashboard and API. The platform provides FIAT API capabilities for traditional currency transactions and a RAMP API for crypto-to-fiat conversions, supporting payout webhooks, virtual accounts, and multi-currency transfers in multiple countries.

Stripe Stablecoin Infrastructure integrates multi-directional stablecoin flows through unified financial rails, enabling businesses to accept payments, maintain balances, and disburse funds in both fiat and cryptocurrency while abstracting blockchain complexity.

Paygrid implements chain-abstracted payment clearing through intelligent routing across blockchain networks, enabling cross-chain payment workflows with Payment Intent API for transaction orchestration, Corridor Pricing API for real-time route discovery, gasless execution via EIP2612, MEV optimization, webhook integration, payment recovery mechanisms, and multi-network.

Notabene Flow is a stablecoin payment infrastructure network for wallets, issuers, fintechs, and payment service providers. It enables pull payments (merchant-initiated payment requests and invoices), push payments (sender-initiated disbursements and payouts), and recurring billing cycles for B2B commerce. Built on the Transaction Authorization Protocol (TAP), it coordinates identity verification, Travel Rule compliance, and settlement authorization across payment agents before transactions settle on-chain. Participants integrate as Payment Initiating Agents, Payment Responding Agents, or Infrastructure Providers through RESTful APIs. The network operates as a coordination and authorization layer and does not hold funds or act as a custodian.

Cross-chain payment infrastructure enabling merchants and apps to accept crypto and fiat with one SDK.

BlockWyre Payments is a B2B payment orchestration platform enabling businesses to accept and send funds across ACH, domestic US wires, SWIFT, and crypto payment channels through a unified API and dashboard. Technology providers, e-commerce platforms, and payment companies embed BlockWyre's payment infrastructure to automate collection, disbursement, and reconciliation workflows at scale.

Stableyard is a payments infrastructure platform with unified APIs for stablecoin payments across multiple blockchains. It includes Money Accounts for identity and routing, X402+ for agent‑driven payment flows over HTTP, a merchant acceptance layer, and developer SDKs. Users can set policies, receive real‑time events, and settle across chains without new merchant hardware.

Knit Platform delivers business-focused cryptocurrency payment infrastructure through RESTful APIs, enabling programmable digital asset operations including wallet provisioning, payment collection, and automated disbursements. The platform provides three distinct wallet architectures: Business API Wallets offering per-network reusable deposit addresses with transaction filtering and pagination; Business API Services Wallets functioning as funding accounts for programmatic payout execution; and managed signing wallets supporting multi-signature policies with approval workflows. Core API capabilities include one-time collection address generation with webhook-based status notifications, payment link creation for customer-initiated cryptocurrency payments with fiat conversion tracking, and payout automation with IP whitelist enforcement and balance validation. The platform implements dual authentication supporting legacy API keys and OAuth 2.0 client credentials, processes webhook events for critical state chang

Speed Merchant is an enterprise payment infrastructure platform providing businesses with Bitcoin and stablecoin payment processing, onramp and offramp services, instant global payouts, hosted checkout pages, payment links, QR codes, and API integration for accepting cryptocurrency payments with full regulatory compliance.

Modern Treasury Payments is an integrated payment service provider that moves money across ACH, same-day ACH, domestic wires, RTP, FedNow, push-to-card, and stablecoin rails through a single API. The platform provides programmable customer accounts with KYC, KYB, and AML compliance, automated reconciliation, return management, and a payment operations dashboard with audit logs. It supports Stablecoin across multiple networks, with automated fiat-to-stablecoin conversion, wallet provisioning, and wallet screening included without a separate on-ramp vendor. Businesses can start with the integrated PSP and add direct bank relationships as they scale, within the same API integration.

A cross-chain payment routing service facilitating stablecoin deposits from multiple sources into target blockchain applications. The system processes transactions from exchanges, wallets, and payment applications across multiple networks while handling automated swapping and bridging operations for destination chain settlement.

Rain Platform is a stablecoin-native payment infrastructure that enables businesses to deploy card programs, process fiat conversions, and facilitate cross-border transfers through unified APIs. The platform supports on-ramps, off-ramps, card issuance, and wallet-to-wallet payments with multi-blockchain settlement capabilities.

USDCKit implements programmatic USDC payment automation through a developer SDK for Circle Wallets. The toolkit processes high-volume transactions, configures fund movements, and executes cross-chain transfers. The system manages gas sponsorship and compliance requirements while supporting integration across multiple blockchains.

x402 Facilitator is a payment infrastructure that routes pay-per-use API transactions and microtransactions through unified endpoints across multiple blockchains, enabling fast settlement for agents and services.

Busha Business provides crypto payment infrastructure for African businesses, enabling merchants and enterprises to accept, send, and settle digital asset payments with local currency conversion.

Immutable Checkout is a Payment infrastructure for games and marketplaces that aggregates on-ramps, currency swaps, and asset purchases into a configurable checkout interface. Players can add funds and complete asset purchases within a single transaction flow, with smart routing guiding users through the required steps without leaving the game experience. Supports multiple global payment methods across many countries.

Nexus is an API-powered platform for compliant tokenization, stablecoin issuance, and payment processing. It enables businesses to issue and manage digital tokens across multiple blockchain networks with integrated KYC/AML compliance, cross-chain operations, and configurable payment workflows.

Borderless Network enables conversions between stablecoins and local banking rails across multiple countries. The system connects financial institutions, payments companies, fintechs, and corporates to facilitate cross-border transfers, collections, payouts, and on/off-ramp services through a unified API integration with regulated financial institutions worldwide.

Global Payments is a cross-border B2B payment API that uses stablecoins as an intermediate settlement layer when routing funds between local currency payment systems. Businesses can collect payments through local payment networks in supported jurisdictions and distribute payouts globally with 24/7 settlement. Built-in compliance tools provide automated transaction screening and regulatory reporting across supported markets.

GoPay REST API provides developers with OAuth2.0 authenticated endpoints for payment processing, transaction management, and gateway integration. The API supports payment creation, status checking, refunds, recurring payments, and captures with comprehensive SDKs for PHP, .NET, Java, and Python.

OwlPay is a comprehensive payment infrastructure platform that enables businesses to manage cross-border transactions, reconciliation, and mass payouts through APIs. The system supports multiple payment methods including fiat currencies, commercial cards, account payables, and stablecoins for real-time clearance and settlement.

Embedded & White-Label Infrastructure is a payments infrastructure that enables fintechs, PSPs, and platforms to embed Ledig's stablecoin settlement, cross-border FX, and virtual account capabilities natively into their own products via API. It operates invisibly in the background, with white-label-ready modules for branded virtual accounts, wallets, and treasury flows. Both on-demand and RFQ workflows are available through a unified API, supporting high-volume fintechs and institutional platforms with region-specific controls.

Whop Payments is a payment infrastructure and orchestration layer for digital businesses. It routes each transaction through multiple payment service providers to maximize authorization rates, and automatically retries declined transactions through an alternative processor. Merchants can accept cards, digital wallets, buy-now-pay-later financing, regional bank transfers, and cryptocurrency. Integration options include shareable checkout links, embeddable checkout components, and a no-code store page builder. Payouts are available across multiple territories via bank transfer, ACH, cryptocurrency, and mobile wallets.

Swift Connectivity Solutions is a tiered portfolio of interface products for back-office integration with the Swift network. Alliance Cloud provides managed cloud connectivity, Alliance Lite2 serves small-to-medium institutions, Alliance Access offers on-premises installation, and Alliance Messaging Hub handles enterprise message routing and transformation. The suite supports FIN, FileAct, InterAct, and ISO 20022 message formats with Hardware Security Module and 3Skey authentication.

Performa is a B2B payment infrastructure platform that combines cryptocurrency payment acceptance, cross-border payouts, and OTC transaction access in a single API-driven system. Businesses can accept multiple cryptocurrencies via checkout integration or payment links, automate bulk payroll and contractor payments to recipients across multiple countries, and access structured OTC crypto transactions through vetted counterparties. The platform includes integrated KYC/KYB onboarding, AML screening, smart asset conversion, and settlement through SEPA and SWIFT.

Pulsar Money Web App is a multi-chain payments and trading platform that uses social media integrations and smart contract infrastructure on MultiversX and Starknet to enable social payments, token swaps, staking, airdrops, and gamified quests. Users can send crypto via X and Discord, swap 5,000+ trading pairs, manage payment links, and earn rewards through campaigns and challenges.

Blocktank is a Lightning Service Provider that supplies on-demand channels and capacity so wallets can connect to the Bitcoin Lightning Network for low-cost instant payments.

1Konto Trading Platform delivers institutional-grade digital asset and FX trading through unified API, web application, and OTC desk infrastructure. The system provides best-price execution through multi-venue liquidity sourcing while enabling single-account settlement for digital assets, stablecoins, and G12 fiat currencies.

Payouts Platform provides automated vendor payment processing through unified financial infrastructure, enabling mass payouts, compliance management, and multi-currency transactions. The system integrates AP automation, vendor portals, and diverse payment methods including crypto, fiat transfers, and prepaid cards within a single dashboard.

Juicyway API enables developers to integrate payment processing, currency exchange, and transfer capabilities into applications. The system provides REST endpoints for customer management, stablecoin payments, bulk transfers, and real-time rate data with webhook notifications for transaction events.

Align API provides payment orchestration infrastructure enabling cross-chain stablecoin transfers, fiat on-ramps, and multi-currency processing through unified REST endpoints. The system handles automated bridging between blockchain networks while managing compliance screening and settlement operations.

dLocal Financial Platform provides cross-border payment processing through traditional banking infrastructure and borderless stablecoin-to-fiat flows. The system enables merchant payins, payouts, invoice collection, and treasury settlement through a single API across emerging markets, supporting both digital assets and local fiat currencies.

Rail Payment Infrastructure provides unified cross-border payment processing through a single API, enabling instant settlements between fiat currencies and stablecoins across multiple banking partnerships and blockchain networks. The platform includes wallet-as-a-service capabilities, on/off-ramp conversions, virtual accounts for USD/EUR/GBP, OTC desk functionality, and request-for-quote systems for exchange rate management.

OpenVPP is a payments and tokenization platform for the electric utility sector. It provides routing for distributed energy resources, registry management, integration APIs, stablecoin payment processing for micropayments, and energy asset tokenization for cross-border transactions.