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

Legend Gateway is a payments infrastructure platform that lets crypto exchanges, wallets, and other applications embed fiat-to-crypto services. It provides a REST API with OAuth-based authentication alongside web and mobile SDKs that partners integrate into their own interfaces. The platform handles bank transfers and card payments across multiple fiat currencies, offering institutional pricing and deep liquidity for large-volume trades.

Sarafa API is a RESTful interface enabling developers and businesses to integrate Sarafa's cross-border payment capabilities including stablecoin transfers, mobile money, and multi-currency settlement into their own platforms. It supports wallet management, fund collection, and disbursement operations. Endpoints return JSON-formatted responses for all supported operations.

Netaro is a B2B payments infrastructure platform that settles cross-border fiat transactions using stablecoins as a backend clearing layer, bypassing correspondent banking rails. It provides programmable multi-currency accounts, an FX conversion engine, corridor-aware routing, and global payout APIs, delivering local fiat to recipient bank accounts within about an hour without recipients needing to hold digital assets. Embedded KYC, KYB, and AML compliance checks run within the transaction flow, and payment purpose, approval, and delivery evidence stay attached to a single transaction record that writes back to enterprise accounting systems. The platform serves multi-entity enterprises and industrial supply chains for overseas operating funding and supplier settlement.

Conduit Platform is a payment network that connects local banking rails with stablecoin infrastructure through a unified API and dashboard. It lets fintechs, payment service providers, and banks open multi-currency USD accounts and wallets, move funds through fiat rails or stablecoins, and manage compliance and settlement from one system. Businesses integrate the API to embed accounts and payments, while treasury and finance teams use a no-code dashboard for the same underlying accounts and transfers. The platform supports multiple stablecoins and blockchains alongside conventional payment rails, and handles KYB, AML, and transaction monitoring by default.

HIFI API is a payments infrastructure and orchestration platform that lets developers build cross-border stablecoin and fiat payment flows through a single integration. It provisions custodial multi-chain wallets, processes virtual account deposits and fiat onramps and offramps, and executes transfers, bridging, and swaps across supported blockchain networks. The platform also handles KYC and KYB verification, settlement rules, batch transfers, and transfer approvals, giving businesses a unified way to move value between fiat and stablecoins. It is used by developers and businesses building payment products without operating their own banking or blockchain infrastructure.

Fincra APIs is a payments infrastructure platform providing developers with unified REST endpoints for collecting, converting, and disbursing funds across multiple currencies and payment methods. Businesses integrate checkout pages, payment links, virtual accounts, and direct debit into their own applications to accept customer payments, then use payout and money transfer endpoints to send funds to beneficiaries across many countries. The platform also offers currency conversion between supported currencies and identity verification to validate customer information during onboarding. Authentication, webhooks, and rate limiting support integration into fintech, e-commerce, payroll, and remittance applications.

QuickRemit is an off-ramp payout API that lets partner businesses convert digital assets into fiat and settle funds to end-user bank accounts. It provides partners with sandbox and production environments, onboarding, and identity verification workflows to build controlled payout journeys. The API supports real-time exchange rate quotes, bank wire payouts, and transaction status tracking for partner-integrated remittance flows.

Mandioca is a cross-border payments platform that converts cryptocurrency into US dollars for international transactions. It lets clients send supported digital assets to a secure address, applies AML and KYC compliance checks, and delivers the equivalent USD amount to a verified bank account. The platform includes a dashboard for tracking balances, deposits, withdrawals, and wallet activity, serving importers, exporters, and other non-crypto-native businesses moving money across borders.

Mandioca API is a payments infrastructure product that lets fintechs, payment providers, and global trade platforms integrate cross-border settlement and digital asset payment flows directly into their own products. Through a single integration, partners automate stablecoin-funded transfers, convert them to US dollars, and deliver payouts to bank accounts across international corridors. The API includes compliance features such as AML and KYC controls, transaction monitoring, sanctions screening, and regulatory reporting support, letting businesses serving importers and exporters offer global payment capabilities at scale.

A blockchain-based infrastructure platform enabling financial institutions to integrate stablecoin and digital asset capabilities into existing banking operations. The platform utilizes Finxact core processing as the underlying ledger with connections to orchestration, payment, and banking systems for fiat-to-digital asset interoperability. The infrastructure supports institutional access to FIUSD and other stablecoins, cryptocurrency buy-sell-hold functionality, tokenized deposits, and digital asset wallet management through unified APIs.

UnblockPay is a payments infrastructure platform that lets businesses move money between fiat currencies and stablecoins across borders. It provides on and off ramps, virtual accounts, and stablecoin wallets through a single API, connecting to local fiat payment rails and multiple blockchains. Businesses use it to collect, convert, hold, and pay across markets while compliance screening and onboarding are handled within the same platform.

Nuvion is a neobank and embedded finance platform providing multi-currency business accounts, card issuing, payment acceptance, global payouts, and stablecoin rails for freelancers, businesses, and marketplaces. It operates through a single account and API surface, letting platforms issue accounts, move funds, accept payments, and convert between fiat and stablecoins without integrating banks or liquidity providers directly. The platform combines licensed fiat infrastructure with blockchain-based settlement across multiple networks, offering regulatory coverage across several markets. Businesses use it to manage cross-border money movement, issue physical and virtual cards, and access new markets from one unified dashboard.

Easy Platform implements payment orchestration through programmable, non-custodial infrastructure, enabling transaction processing and financial automation. The system integrates multiple payment rails while maintaining security through third-party tokenization and encryption.

Dropp is a payment platform for merchants combining Pay-by-Bank and Pay-by-Stablecoin acceptance. The platform operates on real-time banking rails including RTP and FedNow alongside Hedera distributed ledger infrastructure for stablecoin and HBAR transactions. Merchants accept payments via QR code, POS integration, or embedded checkout. Balances settle via RTP and ACH through Truist Bank with consumer funds held in a Truist Omni account. The platform includes B2B invoice management, merchant offers, referral programs, and integrations with Pinnacle Affiniti Cloud POS and RapidRMS for fuel and convenience retail.

Eversend for Business is a cross-border business account that gives companies local collection, payout, and multi-currency holding capabilities under a dedicated business login. Businesses collect payments from customers across multiple markets on local rails, hold and convert several currencies, pay suppliers and staff locally or abroad, and issue virtual cards for team spending. The account is accessed separately from the consumer app through its own business portal and onboarding flow.

Eversend Platform is a developer-facing payments infrastructure API that lets businesses embed cross-border payouts, collections, foreign exchange, and stablecoin funding into their own products through a single integration. The system funds each payout just-in-time using a stablecoin funding leg rather than requiring partner prefunding, then settles locally on bank or mobile-money rails within minutes. Developers access balances, quotes, and webhook-driven transaction status through REST endpoints and a sandbox environment.

Cross River Stablecoin Payments unifies fiat and stablecoin transaction flows through a single API-driven infrastructure integrated with Cross River's real-time banking core. The system enables automatic conversion between USD and approved stablecoins via ACH, wire transfers, and instant payment rails including RTP and FedNow. Users access network settlement, merchant payouts, on/off ramp functionality, and treasury management capabilities through bank-grade compliance frameworks with 24/7 settlement and real-time mint/burn operations.

Niobi is a financial services platform that provides payments and banking infrastructure for businesses operating across Africa. It unifies collections, payouts, multi-currency virtual accounts, foreign exchange conversion, and treasury management behind a single dashboard and API, with settlement available in local currencies, major fiat currencies, or stablecoins. The platform also includes finance operations tools such as invoicing, bill payment, payroll, and expense management, letting finance teams manage cash flow and reconciliation from one account. Businesses integrate once to accept dozens of local payment methods and move funds between African markets without opening accounts with multiple banks.

UniPayment is a payment infrastructure platform for businesses to accept and settle fiat and cryptocurrency payments. The platform aggregates cards (Visa, Mastercard), local payment rails (SEPA, ACH, SWIFT), and digital currencies (USDT, USDC) through a single gateway with real-time FX conversion and smart routing. Named business accounts in USD and EUR support direct collection and settlement, while a multi-currency wallet manages fiat and digital assets from a unified dashboard. Pre-built plugins for WooCommerce, OpenCart, PrestaShop, and Magento, along with SDKs in PHP, Python, Java, Node.js, Go, and .NET Core, support developer integration. The platform operates under a FINTRAC-registered MSB in Canada and as an NBB-authorized EMI Agent in the EEA.

Coinbax is a programmable payment infrastructure layer for stablecoin and tokenized deposit transactions. It applies conditional logic to stablecoin payments via smart contracts on Base and Solana, enabling banks, credit unions, and fintech companies to embed multi-party approval workflows, programmable escrow, time-based locks, reversibility windows, and automated sanctions screening and KYC/KYB checks into each transaction. Pre-built workflow templates cover cross-border transfers, trade finance, lending disbursements, insurance payouts, and treasury operations. The platform integrates with core banking systems through the Jack Henry Fintech Integration Network and supports multiple stablecoins.

Iron Stablecoin API provides unified payment infrastructure enabling businesses to integrate global stablecoin operations through standardized endpoints. The system facilitates on/offramp services, cross-border payments, virtual account management, and multi-currency treasury operations with regulatory compliance features.

Cashu implements Chaumian blind signatures to create a digital bearer token system that preserves user privacy. The protocol enables instant peer-to-peer transactions and integrates with Bitcoin through mints where users can deposit and withdraw funds.

Orchestration implements automated workflow execution through programmable triggers, detecting crypto and fiat deposits to execute conditional payouts. The system enables rule-based automation for payment processing and fund distribution.

Halliday Payments is an end-to-end payments suite for L1s, L2s, and apps to fund users on any chain. Provides fiat on/off-ramps, cross-chain swaps, bridging, and exchange-to-network funding via SDKs, a modal, or embedded UI. It's non-custodial and wallet-agnostic with one integration for payments across chains.

Yodl SDK is a developer tool that lets wallets and apps embed QR-based stablecoin payment flows with a short integration process. It aggregates multiple local payment processors per supported country, automatically routing each payment to the option with the best all-in fee, and works with any standard wallet provider. Developers use it to add self-custodial, wallet-agnostic checkout experiences without building their own QR payment infrastructure, with optional backend integration for payment notifications and reporting.

Apaylo Payment Hub is a payments-as-a-service platform that lets businesses send and receive money through unified payment rails including electronic funds transfers, e-transfers, wires, and bill payments. It connects to Canadian banking systems through an open banking API, enabling batch processing, real-time balance monitoring, and reporting across payment types from a single merchant account. The platform also supports cryptocurrency remittances in stablecoins and Bitcoin over public blockchain networks, converting funds to fiat for settlement. Businesses can access the platform through a merchant admin portal or integrate its functionality directly into their own applications via API.

Conomy Platform is a payments infrastructure platform that lets businesses collect and pay out across Latin America through one API and dashboard. It accepts pay-ins through local real-time methods such as instant bank transfers, QR payments, mobile wallets, and cards, and disburses to local accounts or cross-border through SWIFT. Incoming payments can be split across multiple parties and settled in local currency, US dollars, or stablecoins. Multi-currency Smart Accounts let recipients choose their settlement currency, an integrated on and off ramp converts local currency to stablecoins, and an OTC desk prices larger cross-border conversions, with a sandbox and webhooks supporting integration and testing.

Voltage Payments is a Lightning Network payments API for businesses to send and receive Bitcoin and USD with near-instant settlement. The API provides endpoints for wallet management, payment initiation, BTC-to-USD quote locking, and real-time transaction tracking with webhook support. Businesses choose between two operating models: a credit-backed model where transactions settle at the end of a billing cycle without pre-funding, and a node model where clients operate cloud-hosted Lightning nodes with direct fund control. Includes a developer sandbox on MutinyNet for testing before production.

Ligero is private payments infrastructure for enterprises conducting stablecoin transactions on public blockchain networks. Zero-knowledge proofs shield transaction details including sender, recipient, amount, and payment type from public on-chain visibility. Compliance managers hold multi-signature cryptographic keys enabling selective decryption of transaction data for regulatory audits. The system integrates with existing payroll and treasury platforms without requiring workflow changes or new employee wallets.

HEVN White Label is business-to-business infrastructure that lets partner companies embed fiat and stablecoin account, payment, and compliance capabilities into their own branded products. It provides API access to account and payment-provider integrations, non-custodial stablecoin workflows, payment routing and status records, and KYB and transaction-document workflows, while the partner retains its own interface and customer relationship. Partners can launch modular account types and payment corridors incrementally without rebuilding their customer experience.

Ripe is a stablecoin payments platform that converts stablecoins into local fiat currency for everyday use in Asia. It lets crypto wallet users scan existing merchant fiat QR codes to pay with stablecoins, with merchants receiving fiat instantly through a local payment partner. The platform also lets individuals off-ramp stablecoins directly to a linked fiat e-wallet, generate a managed receiving address that auto-converts incoming stablecoins to fiat, and enables businesses to disburse payroll and mass payouts in local currency using stablecoins. Wallets, exchanges, and fintech applications can embed the same crypto-to-fiat QR payment functionality within their own apps through an SDK integration.

Merge API Platform is a payments infrastructure product that gives businesses banking and payment capabilities through a single API integration. It provides multi-currency accounts across dozens of currencies, including named accounts in major fiat currencies, alongside stablecoin on-ramp and off-ramp conversion, cross-border payment routing over local rails and blockchain networks, and automated payment reconciliation. Businesses and platforms use it to collect, hold, and move funds internationally, embed payment flows into their own products, and settle transactions using stablecoins as an intermediary rail while managing compliance requirements such as identity verification and screening.

Levl is a B2B payments infrastructure platform enabling businesses to process cross-border payments in fiat currencies and stablecoins through a unified API. The platform provides named accounts in USD, GBP, and EUR for fund collection and reconciliation, currency conversion and fiat-stablecoin on/off ramp services, POBO (Payment on Behalf Of) accounts for executing outbound payments in clients' names, API-based cross-border remittances, crypto payment acceptance and processing, and card payment processing. Businesses integrate via API, dashboard, or OTC desk. The platform is operated by two regulated entities across Switzerland and Canada, with fiat accounts and card acquiring delivered through licensed banking partners.

Bead is a payment infrastructure platform that enables businesses to accept cryptocurrency, digital wallet, and buy-now-pay-later payments through hosted payment pages and APIs. The system handles QR generation, network selection, and customer messaging while providing settlement in USD with reduced fraud risk and lower fees than traditional methods.

Cedar Money Platform is a cross-border payments platform that lets businesses send and receive high-volume payments across multiple currencies. It provides competitive foreign-exchange rates, virtual accounts, and next-day settlement for outbound and inbound transactions. Businesses can also convert local currency to a dollar stablecoin-backed balance, hold funds, and pay suppliers from a single dashboard. The platform is used by importers, exporters, digital commerce platforms, and financial institutions operating across Africa and global markets.

Cedar Partners API is a developer-facing API and dashboard that lets financial institutions, fintechs, and payment providers integrate Cedar's cross-border payment infrastructure into their own products. It provides access to collections, payouts, foreign-exchange conversion, virtual accounts, and stablecoin-enabled settlement through a single integration layer. Partners can onboard merchants, execute transactions, and manage reconciliation either through direct API calls or a hosted dashboard without building their own API integration.

Cybrid Platform is a payments infrastructure platform that lets fintechs, banks, and enterprises move money across stablecoins and fiat through a single API suite. It orchestrates conversions between bank rails such as ACH, wire, RTP, FedNow, EFT, and Interac and stablecoin transfers, while providing embedded KYC, KYB, and AML identity verification for onboarding. The platform also issues FBO and named accounts with wallet infrastructure secured through custodial and MPC-based key management, and sources stablecoin liquidity for settlement and treasury operations. It is used by developers building compliant cross-border remittance, B2B payment, and banking products without establishing direct banking or custody relationships themselves.

Flincap Platform is a payments infrastructure and orchestration service that lets businesses send and receive stablecoin-based payments across African markets. It provides an API for collections and payouts, converting between stablecoins and local currencies so funds can be sent as bank transfers, mobile money, or stablecoin balances. Businesses also access an OTC desk for large-volume conversions between stablecoins and local currencies. The platform serves fintechs, enterprises, marketplaces, and remittance operators seeking a single integration for cross-border settlement.

YoguPay is a cross-border payments infrastructure platform for global businesses, providing payment collections, mass payouts, FX and treasury management, and multi-currency global accounts through a unified API and business dashboard. Businesses can collect payments from multiple countries, disburse payouts to various countries across Africa, Asia, and LATAM via local payment rails including mobile money and bank transfers, convert between several currencies at competitive rates, and hold funds in multi-currency accounts. The platform also supports stablecoin settlement flows using USDT on Tron (TRC20) and USDT/USDC on Ethereum (ERC20) through a Wallets API.

Kalyssi API & Infrastructure provides a REST/JSON API with modular building blocks enabling fintechs, neobanks, and platforms to integrate wallets, payments, card issuance, crypto and FX exchange, compliance, and KLC rewards into their own products. The system provides a sandbox environment, signed webhooks, official SDKs for multiple programming languages, and scalable API packs with integrated KYC/KYB compliance hooks and configurable quotas from MVP to enterprise deployments.

R3 Offline Payments implements digital currency transaction processing for areas with limited internet connectivity through hardware security modules. The system enables CBDC and digital currency transactions via smart cards and mobile devices without network connectivity requirements.

Stable OS is a payments infrastructure platform that unifies cross-border trade payments, treasury, and financing operations for institutions operating in emerging markets. It routes high-value import, export, and commodity payments through SWIFT and real-time gross settlement rails, while also supporting stablecoin-based transfers and cross-network crypto trading through onboarded wallets. Financial institutions, fintechs, and trade and commodity platforms use it to execute payments on behalf of customers, access onshore USD accounts, and draw USD working capital underwritten against verified payment activity.

Talentir is a payment platform for creators that enables real-time AdSense payouts, yield on earnings, cross-border payout options, and content protection and tax optimization features.

PNSL (Pay Now, Settle Later) is a cross-border payment settlement infrastructure that embeds into existing payment and treasury systems, letting regulated payment operators execute payments instantly while settlement is deferred and processed later. It funds payment corridors on demand using freshly minted stablecoins settled on a blockchain network, removing the need for pre-positioned capital across jurisdictions. An integrated AI-driven risk and compliance engine screens counterparties, monitors transactions in real time, and applies sanctions and anti-money-laundering checks across every payment flow. Money service businesses and payment networks use the system, accessed through a web platform and API, to move funds across multiple countries and currencies.

Abroad Payment Infrastructure provides real-time stablecoin-to-fiat conversion through open-source APIs, enabling wallets and financial institutions to orchestrate instant cross-border payments. The system integrates USDC with traditional payment rails while maintaining regulatory compliance and fraud protection.

LocalPayment API is a merchant payment gateway that enables businesses to accept and send cross-border payments across emerging markets through a single integration. It unifies payins, payouts, and treasury and foreign exchange operations, supporting cards, bank transfers, local account-to-account rails, digital wallets, and other alternative payment methods alongside crypto on and off ramp conversion. Businesses use it to collect customer payments, disburse funds, manage currency conversion, and reconcile settlements, with checkout options ranging from hosted payment links to embedded, fully customizable payment forms. The platform operates under local regulatory registrations in each supported market and provides webhook-based status updates for asynchronous payment methods.

Through its Open Banking Platform, Standard Chartered enables API-driven financial services integration for institutional clients. The platform facilitates programmable banking infrastructure and digital connectivity through standardized interfaces.

StableStack Payment Rails is a payment orchestration platform that integrates stablecoin infrastructure into existing payment flows through APIs. It provides smart accounts, blockchain abstraction, and a liquidity router that sources fiat on demand to convert between digital and fiat currencies without pre-funding requirements. Businesses use it to send cross-border payments, terminate transfers into local bank accounts, and manage treasury operations across multiple currencies.

Payman AI Platform provides secure payment infrastructure through dedicated AI accounts with configurable policies, enabling automated financial transactions while maintaining human oversight and compliance controls.

XFX Platform provides cross-border payment infrastructure through smart routing technology that aggregates liquidity sources across banks and market makers for fiat and stablecoin transactions, enabling real-time settlement with enterprise-grade reporting and auditability.

Modulr is an API-first payments platform for creating accounts, collecting funds, making payouts, issuing virtual and physical cards, and managing fraud and risk through a single interface or API.

KCP PAY is a white-label payment service enabling merchants to deploy a branded payment experience via API integration. Merchants configure their own payment window and support methods including credit cards and bank account transfers under their own brand identity. The service is designed for businesses seeking to offer proprietary simplified checkout rather than redirecting customers to a generic payment page.

AeraTech is a treasury intelligence and execution platform for multinational enterprise treasury teams. It ingests balances, intercompany positions, and treasury policy rules from ERP, TMS, and banking systems, then nets intercompany obligations, models FX exposure, and automates internal settlements before payments are executed. Confirmed transactions are recorded as tamper-evident, audit-ready ledger entries, so treasury teams retain real-time visibility into group liquidity and only wire the residual balance externally.