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

The x402 Facilitator is a payments infrastructure and orchestration service that coordinates authorization, metering, and settlement for AI agent transactions across fiat, crypto, and credit rails. It exposes a dedicated API that verifies x402 payment tokens, enforces spending policy, and reconciles fiat and crypto activity through a unified ledger, enabling API providers and platforms to accept agent-initiated payments without building settlement logic themselves. Developers integrate it independently of the Nevermined Pay dashboard through its own endpoint and documentation.

dLocal Financial Platform is a payments infrastructure and orchestration service that connects global enterprises with local payment methods across emerging markets. It provides merchant payins, payouts, invoice collection, and platform-level payment routing through a single API, unifying multiple payment methods and currencies. Businesses use it to accept and disburse funds locally while dLocal handles currency conversion and rail selection.

dLocal Stablecoin Full is a stablecoin payment infrastructure product for emerging markets, letting merchants accept stablecoin checkout and convert between digital assets and local fiat rails. It provides treasury and foreign-exchange operations alongside settlement, integrated through a single API. The product connects to multiple blockchain networks and stablecoins to route payments and manage cross-border liquidity.

BNPL Fuse is a buy-now-pay-later aggregation product that connects merchants to multiple installment payment providers across emerging markets through a single integration. It routes checkout transactions to available local BNPL options, letting businesses offer installment payments without integrating each provider separately. The product is accessed through the same payments infrastructure used for other local payment methods.

Stableyard is a payments infrastructure platform providing unified APIs for merchants to accept stablecoin payments across multiple blockchains. It combines a routing engine that handles cross-chain settlement, an embeddable checkout widget, hosted payment pages, and developer SDKs and plugins so businesses can accept stablecoins through existing checkout, point-of-sale, and in-app flows. The platform supports merchant account management, transaction monitoring, settlement to bank or stablecoin balances, and agent-driven payment flows over HTTP. It is aimed at businesses seeking to add stablecoin acceptance without new hardware or replacing existing payment systems.

Knit Platform is a payments infrastructure product that lets businesses collect, hold, and disburse cryptocurrency and stablecoin payments through a REST API and dashboard. It provides reusable and single-use deposit wallets, payment links, and programmatic payouts, with webhook notifications for state changes such as collection and payout completion. Businesses fund a dedicated API account from their main wallet to power automated payouts, while a separate managed signing service supports policy-based approval workflows for wallets used with payment networks such as Circle's. The platform serves businesses seeking to accept customer payments, manage treasury wallets, and automate outbound payouts across multiple blockchains and stablecoins.

Speed Merchant is an enterprise payment infrastructure platform that enables businesses to accept, send, and settle Bitcoin and stablecoin payments over the Lightning Network. It provides checkout and payment link tools for accepting payments, instant global payouts, and onramp and offramp services for converting between fiat and digital assets. Businesses integrate the platform through APIs and point-of-sale tools while accessing compliance features to meet regulatory requirements across multiple jurisdictions. The platform serves global businesses seeking low-fee, near-instant settlement in place of traditional payment rails.

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 stablecoins across multiple blockchain 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 payment service provider and add direct bank relationships as they scale, within the same API integration.

Echo Money is a financial infrastructure platform for businesses that move money across borders. It provides multi-currency account issuance, payment collections, payouts, a payment gateway, stablecoin conversion, treasury management, and a double-entry ledger with automated reconciliation. Payments route automatically over local bank rails, mobile money, card networks, and stablecoin settlement, and businesses use a web dashboard or a whitelabel API.

Performa is a B2B payment infrastructure platform that unifies cryptocurrency acceptance, cross-border payouts, and OTC trading access into a single API-driven system for globally operating businesses. Merchants and platforms accept multiple cryptocurrencies through checkout integration, payment links, or embedded revenue-splitting tools, while contractors and partners receive automated batch payouts across many countries. Businesses can also access structured over-the-counter crypto transactions through vetted counterparties within a compliance framework that includes KYC/KYB onboarding and AML screening. A non-custodial, wallet-based version of the platform is in development, allowing funds to remain in a user's own wallet rather than a platform balance.

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 is a payments infrastructure platform that connects businesses to a network of regulated stablecoin on- and off-ramp providers for cross-border payments. It provides a single API that routes transactions to local partner financial institutions, enabling stablecoin-to-fiat conversions, collections, payouts, and transfers across multiple countries and currencies. The platform includes tools for provider selection, rate comparison, reliability tracking, compliance orchestration, and settlement across external custody or wallet infrastructure, letting fintechs, payment companies, and financial institutions manage an entire provider network from one operational layer.

Align API is a payments infrastructure platform that lets businesses collect and pay out funds across borders through named multi-currency bank accounts and stablecoin rails. It combines fiat-to-stablecoin and stablecoin-to-fiat conversion, cross-chain stablecoin transfers, and locally issued virtual accounts with IBANs or local account numbers behind a single set of API endpoints. Businesses use it to run global payment corridors, e-commerce settlement, payroll, and trade payments without opening local banking entities in each country. The platform manages currency conversion at prevailing market rates, connects to local clearing rails, and screens transactions for regulatory compliance.

RebelFi is a non-custodial stablecoin operations platform that lets payment companies, neobanks, exchanges and fintechs earn yield on idle balances and move money from the same balance through one API. Its yield service places operating float above a set liquidity floor into lending venues with no lock-up, and can also be offered to end customers as earn accounts inside a business's own app. Its payments service handles batch payouts, same-day stablecoin collections and escrow that releases on delivery, with USD ramps to and from bank accounts. Every counterparty is screened before funds move, and transactions are prepared by the platform but signed in the client's own custody. Businesses access it through an operations dashboard, a software development kit and webhooks.

Ledig Embedded & White-Label Infrastructure is a payments infrastructure product that allows fintechs, payment service providers, and platforms to embed stablecoin settlement, cross-border FX, and virtual account capabilities directly into their own products through an API. It operates in the background of a client's interface, offering white-label modules for branded virtual accounts, wallets, and treasury flows. Both on-demand and request-for-quote workflows are accessible through a single API, supporting high-volume fintechs and institutional platforms with region-specific controls.

Ledig On-Demand Liquidity is a payments infrastructure product that provides instant stablecoin-to-fiat and fiat-to-stablecoin conversion across African and emerging market currency corridors. It executes high-volume conversions through automated on-demand pricing for API-driven workflows, with a request-for-quote option for larger trades needing firm execution at agreed rates. The product serves payment service providers, brokers, corporate treasuries, and payment platforms transacting at scale.

Ledig Borderless Business Payments is a payments infrastructure product that enables global businesses to send and receive local-currency payments across African and emerging market corridors while pricing, invoicing, and settling entirely in stablecoins. It removes the need for local entity setup or direct FX exposure, converting incoming local-currency payments to stablecoins for the business and converting outgoing stablecoin payments to local currency for recipients. The product provides access to multiple currency corridors through a single API and account structure via Ledig's partner network.

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.

Neoflow Payment Gateway is a payment acceptance service aggregating cards, local payment methods, and cryptocurrencies through a single API integration. Supported methods include major card networks, regional bank transfer schemes, and multiple cryptocurrencies, with smart routing to optimize transaction success rates and costs. It also supports recurring billing, hosted checkout pages, payment links, and e-commerce plugins, with settlements flowing directly to multi-currency accounts in the corresponding local currency or a preferred currency.

Capa API is a payments infrastructure platform that lets fintechs, financial institutions, and corporations move money between fiat and crypto across Latin America. It provides on-ramp, off-ramp, and cross-ramp transaction capabilities through a single integration, converting between local bank accounts and crypto wallets and settling cross-border fiat transfers. The platform also provides foreign-exchange liquidity and market making to support instant settlement and cross-border rate execution. Partners access the platform through a unified account, dashboard, and developer sandbox rather than separate applications.

BlindPay API is a stablecoin payments infrastructure platform that lets businesses send and receive cross-border payments through a single interface. It orchestrates stablecoin transfers, local payment rails, and virtual account issuance, converting between fiat currencies and stablecoins in real time. Businesses use it to move funds internationally, open named multi-currency virtual accounts for their customers, and screen transactions through integrated identity verification and monitoring. The platform is accessed through a developer API and dashboard covering payins, payouts, quotes, and wallet registration across multiple blockchain networks and traditional bank rails.

Alfred Pay Platform is a cross-border payments infrastructure product that connects stablecoin rails to local banking systems across Latin America. It provides businesses with virtual local bank accounts, converts between stablecoins and local fiat currencies, and settles cross-border payments in near real time through a single API. Fintechs, crypto platforms, and trade and logistics companies use it to collect and disburse local payments and manage multi-currency operations without establishing local entities. The platform also connects to a partner cash-out network, letting digital wallet holders convert balances into cash at physical agent locations.

Global Payments is a cross-border payment API that lets businesses collect and send funds across multiple currencies and jurisdictions. It converts incoming local payments into stablecoins for settlement, then converts back to local currency for payouts, routing transfers through local banking rails in each supported market. Businesses use it to consolidate collections and payouts into a single integration instead of managing separate banking relationships per country. Built-in screening and reporting tools help maintain regulatory compliance across the markets it serves.

GoPay REST API is a developer tooling product that provides OAuth2.0-authenticated endpoints for integrating the GoPay Payment Gateway into merchant websites and applications. It supports payment creation, status checks, refunds, captures, and recurring payment management through sandbox and production environments. Developers can build against the API using available libraries and pre-built modules for common e-commerce platforms.

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.

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.

HoneyCoin is a payment orchestration platform aggregating multiple payment providers, processors, and blockchain rails into unified API infrastructure for cross-border business payments. Users hold funds in multi-currency wallets supporting fiat and stablecoins, collect payments via bank transfers and mobile money, execute payouts across various markets, convert currencies through an OTC desk, issue virtual cards for expenses, and process bulk payouts for payroll operations.

Novacrust Business is a financial services platform providing businesses with APIs for card issuance, payment collections, and payouts across multiple countries and currencies. It lets companies issue virtual USD cards for team or customer spending, accept payments via bank transfer, mobile money, cards, or stablecoins, and send payouts to vendors and staff in multiple currencies. The platform provides multi-currency wallets holding several fiat currencies and stablecoins alongside currency exchange, letting businesses build payment workflows into their own operations through a single dashboard and API.

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.

Swift GPI is a cross-border payment enhancement platform providing real-time transaction tracking through UETR (Unique End-to-End Transaction Reference) and multilateral payment rules. The platform includes Swift Go for consumer and SME low-value cross-border payments, Payment Pre-validation for upfront beneficiary account verification, Case Management for standardized exception handling, and the Swift Payments Scheme as a framework for retail cross-border transactions.

Ping is a payments infrastructure platform that provides unified APIs, hosted checkout sessions, embeddable payment widgets, and a fiat-to-crypto on-ramp for accepting cryptocurrency payments across multiple blockchains. It uses cross-chain intent routing so payers can pay in any supported currency while payees receive their preferred asset, with checkout links, card-based payment acceptance, and a command-line tool available. The platform is designed for merchants, developers, and autonomous agents needing borderless payment flows, and additional features such as recurring subscriptions and an account layer are in development.

Toll is an API gateway that lets autonomous software agents pay per call for third-party developer APIs without creating accounts or managing subscription billing. It exposes a single base URL through the x402 payment protocol, returning a 402 Payment Required response that a client signs and retries, settling each call in a dollar stablecoin on a Layer 2 network. The gateway removes the need for agents to hold long-lived API keys or vendor accounts, instead requiring only a funded wallet to access a catalog of pay-per-call APIs. It is aimed at developers building autonomous agents that consume multiple external services programmatically.

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.

Payouts Platform is a unified payments infrastructure and orchestration platform that lets businesses move, manage, and automate money through one ledger and API. It routes payouts and collections across dozens of banking rails, cards, and on-chain stablecoin transfers, while automating accounts payable and receivable, tax form collection, reconciliation, and approval workflows. Vendors, clients, and internal teams access dedicated portals, and the same functionality is exposed to AI agents through a Model Context Protocol interface and agent payment protocols. Businesses use it to consolidate global disbursements, collections, compliance checks, and card issuance within a single audited system.

Juicyway API is a developer-facing payments infrastructure product that lets applications integrate customer management, payment collection, transfers, and currency exchange. It exposes REST endpoints for initializing and capturing payments, bulk and internal transfers, market-maker driven exchange rates, and a wallet-as-a-service module for creating and managing customer wallets. Webhooks deliver real-time notifications for transaction and payment events, letting businesses embed multi-rail payment and stablecoin transfer capabilities directly into their own products.

Rail Payment Infrastructure is a payments orchestration platform that lets businesses accept, convert, and settle funds across fiat currencies and stablecoins through a single API. It aggregates deposit accounts, currency exchange, on-ramp and off-ramp conversions, embedded wallets, and collections into one unified account structure, routing transactions across multiple banking partnerships and blockchain networks. Businesses use it to move value across borders, hold multi-currency balances, and access request-for-quote pricing for large conversions without integrating each capability separately.

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.

Blackcat for Business is a European B2B neobank providing corporate euro IBAN accounts, team payment card issuance with configurable spending controls, and SEPA and SWIFT payment management. Blackcat Pay enables account-to-account payment acceptance that bypasses card scheme networks, reducing chargeback exposure, while automated split payments distribute incoming funds across multiple sub-accounts without manual steps. Businesses can also offer cards and financial tools under their own brand through a white-label program built on the platform's EU electronic money institution license. Crypto conversion services are delivered through an external non-EU partner rather than in-house infrastructure.

Velocity Platform is an enterprise payments infrastructure for cross-border payments, real-time settlement, and treasury management using stablecoin rails. It connects banks, blockchains, and payment networks to enable real-time fund movement across multiple fiat currencies and supported stablecoins. The platform delivers payments processing, settlement orchestration, FX conversion, and treasury management tools through a unified API and dashboard with integrations for Treasury Management Systems and ERP platforms. Businesses use it to send and receive funds globally, manage multi-asset balances, reduce pre-funding requirements, and earn yield on stablecoin holdings.

Tylt CPG is a crypto-asset payment gateway that lets businesses accept, transfer, and settle stablecoin payments through a unified API. It supports hosted checkouts, payment buttons, links, forms, and point-of-sale integrations, and allows merchants to initiate bulk or API-based payouts. The gateway settles transactions in stablecoins across multiple blockchain networks, giving merchants visibility into balances and transaction status through a dashboard.

Walapay is API-first payment infrastructure that lets businesses issue virtual multi-currency accounts, move funds across fiat currencies and stablecoins, and manage customer compliance from a single integration. It supports fiat-to-fiat, fiat-to-stablecoin, stablecoin-to-fiat, and stablecoin-to-stablecoin transfers, combining traditional banking rails with stablecoin networks for cross-border settlement. Businesses such as fintechs, payment service providers, payroll platforms, and enterprise finance teams use it to collect, hold, and disburse funds globally, with automated KYC and KYB verification built into onboarding.

APS Payment Processing Platform is a payments infrastructure and orchestration service that lets online merchants and brokers accept payments through a single integration. It aggregates card processing, digital-asset checkout methods, and alternative local payment methods, then routes settlement in fiat or supported digital assets. Merchants use it to accept card payments and crypto-linked payment methods while APS handles currency conversion, compliance, and settlement across multiple blockchain networks.

Lideflow Payment API is a payments infrastructure platform that connects stablecoins with traditional bank rails and mobile money services for cross-border transfers. It provides unified API and Model Context Protocol tools for sending and receiving payments, converting currencies, opening virtual accounts, routing transactions across payment rails, and running automated compliance checks. Businesses and financial agents use it to settle payments across multiple currencies and stablecoins, including bank and mobile money payouts in African markets. The platform also supports payroll, payment links, subscriptions, card issuance, and an OTC desk alongside its core payment and conversion functions.

Bitpace Whitelabel Solution is a payments infrastructure and orchestration offering that lets businesses launch a custom-branded crypto payment gateway powered by Bitpace's underlying technology. It provides ready-to-deploy payment technology with configurable branding while Bitpace manages backend operations, liquidity, and settlement processing. Clients integrate through documented APIs to offer their own customers a branded crypto payment and settlement experience without building the infrastructure themselves.

Flutterwave Collect Payments is a payment processing platform that enables businesses to accept payments from customers worldwide through multiple payment methods including cards, bank transfers, mobile money, and digital wallets. The platform provides online checkout integration, point-of-sale systems, and supports transactions in multiple currencies across several countries.

Madhouse Wallet is an on/off ramp that converts stablecoins into local fiat currencies across multiple currencies and payment rails, including mobile money, real-time bank transfer schemes, and traditional bank transfers. Partners integrate through a REST API or an embeddable widget, depositing stablecoins from multiple blockchains into a single address and receiving fiat payouts to a bank account or mobile wallet. The platform locks live foreign-exchange quotes for a short window before settlement and provides a business dashboard for recipient management, transfer history, and compliance onboarding. It also offers a virtual USD account that accepts bank transfers and settles balances in a stablecoin, and supports agent-initiated payments where a client pays per API call using a stablecoin instead of a traditional API key.

Fideum Institutional Platform provides regulated infrastructure for banks, brokerages, fintechs, and enterprises to operate digital assets. It combines digital asset trading, liquidity aggregation, MPC-based wallet infrastructure, asset management, and stablecoin orchestration into a single product surface accessed through one API and dashboard. The platform also delivers anti-money-laundering screening, transaction monitoring, and case management alongside KYC, KYB, Travel Rule, and regulatory reporting modules. It supports embedded crypto solutions such as white-label and crypto-as-a-service integrations, plus cross-border payments, stablecoin settlement, and treasury management.

Zynta Enterprise is a cross-border payments infrastructure platform for businesses moving funds between Africa and Europe. It provides over-the-counter liquidity for large cryptocurrency trades, near-instant international transfers over stablecoin rails, named virtual accounts in multiple fiat currencies, and fiat-to-crypto on and off ramps. Enterprise clients access these services through an API or web portal after completing a master service agreement, with built-in compliance screening for onboarding.

InFlow Pay provides payments infrastructure through unified API endpoints, enabling shareable payment links, checkout integration, business IBAN accounts, and merchant dashboard management. The platform supports open banking, PayPal, and credit card processing with automated yield generation on payment flows.

Skyline Digital API is a payments infrastructure and orchestration product that lets partner platforms embed crypto and fiat settlement into their own products. It provides a unified interface for wallet provisioning, off-ramping, cross-border payments, and batch payroll, allowing partners to accept payment in any token and settle in any fiat currency. Web3 platforms and wallets use it to add offramping and third-party payment features without building their own banking or currency-conversion infrastructure.

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.

Trace Finance Payment API is a payments infrastructure platform that lets exchanges, fintechs, and financial institutions move money into and out of Latin America through a single set of API endpoints. It provides multi-currency accounts in BRL, USD, and EUR, converts between fiat and stablecoins through instant local payment rails, and executes cross-border payments over multiple regional and international rails. Businesses use it to onboard beneficiaries, lock foreign-exchange rates, and settle deposits, swaps, and withdrawals without operating a local entity. The platform also functions as an embedded financial services layer, giving partner platforms account and settlement capabilities they can offer to their own customers.

Kem for Business is a stablecoin payment infrastructure platform that lets merchants and companies accept USDT payments and manage payroll through a dedicated dashboard and API. It provides hosted checkout pages and shareable payment links for accepting payments without building a storefront, consolidating funds settled across multiple blockchain networks into one business balance. Businesses can run cross-border payroll, process full or partial refunds, and export settlement and analytics data for reconciliation. The platform also offers instant off-ramps converting stablecoin balances to fiat for withdrawal to bank accounts. It operates as a separate merchant-facing offering with its own sign-in, dashboard domain, and developer tools distinct from the consumer app.

CiroTRX is a payments infrastructure tool that lets users send stablecoins on the Tron network without holding TRX or energy in their wallet. A smart contract automatically replenishes its own energy through Brutus Finance's rental service when it runs low, charging a small commission on transfers to cover the cost. It is accessed through its own website and application, separate from the main Brutus Finance dashboard.

Pay Protocol Platform is a non-custodial payment infrastructure and wallet-as-a-service platform for businesses accepting cryptocurrency payments. It deploys smart contract based sub-contract wallets for each customer deposit, isolating funds and sweeping them into cold and hot contracts under multi-signature control, so merchants never hand custody of assets to the platform. The system records every transaction on-chain, uses assembly-level contract optimization to lower gas costs, and exposes an API for businesses to integrate collections, payouts, settlements, and treasury operations across multiple blockchain networks. Retailers and fintechs use it to acquire, manage, self-custody, and disburse crypto while retaining full in-house control.

Checker API is a provider-agnostic orchestration platform that gives financial institutions a single integration point to access stablecoin and digital asset liquidity across exchanges, OTC desks, banks, and payment providers. The system routes each order to the optimal execution venue based on price, speed, and reliability, then returns standardized responses covering order confirmation, fill status, and real-time tracking. It supports trading, cross-border payments, treasury management, and credit operations, with settlement extending across multiple blockchains and stablecoins through a unified API.