# Inflowpay > Stablecoin-native payment infrastructure and Merchant of Record for cross-border SMBs. Accept payments globally, settle in real time, and delegate tax and compliance without local legal entities or bank accounts. URL: https://inflowpay.com Type: marketing-home ## Headline Turn the world into your market. At the best conditions. Today. Your product works globally. Your payments don't. We fix that in one day with worldwide coverage, superior economics, and the highest conversion rates. No setup required. ## Primary CTAs - Join Inflowpay - Get started today ## Sell to anyone, anywhere Inflowpay is the payment processor built for businesses launching in the internet age. Enterprise-grade processing with true global coverage, optimized checkout, transparent pricing, and zero blocking risk. Focus on growth. Nothing else. ## Why Inflowpay is your ultimate payment solution Inflowpay redefines payment solutions by combining affordability, speed, innovation, and personalized service. Experience cost savings like never before, near-instant settlements, cutting-edge security trusted by global leaders, and unparalleled customer care with a dedicated expert at your side. With Inflowpay, payments become seamless, efficient, and tailored to your needs. ### Maximize margins Inflowpay is on average 53% cheaper than competitors payment solutions, allowing businesses to save approximately $37,500 per year. Combined with the highest acceptance rates in the industry, you'll never lose customers to payment failures again. ### Optimized and secured checkout Our checkout is engineered for maximum conversion with streamlined flows, mobile optimization, and smart routing. PCI-DSS Level 1 certified, the highest security standard available. That's why we're trusted by unicorns and publicly traded companies. ### No blocking ever Our self-custody model means we cannot freeze your funds. Processing $100M per month? We remain unfazed. Unlike competitors that panic and over-verify as you scale, your money stays accessible 24/7. ### Global coverage simplified We handle all local taxes, VAT, and regulatory requirements worldwide. Enter new markets with one integration and zero legal overhead. You focus on your product. We handle everything else, automatically. ### Premium service From day one, a dedicated account manager on WhatsApp and WeChat ensures fast, transparent onboarding in under a day. No delays, no AI, just real support, because businesses deserve better. ## Solutions tailored to your needs Scale globally with confidence and support. Support every payment method your customers expect, anywhere in the world. From credit cards to local payment solutions, our infrastructure handles it all seamlessly. One integration. Every method. Maximum conversion. ## Flexible solutions to collect payments from your users ### Payment Link Generate shareable payment links instantly to collect payments from anywhere in the world. Your customers click, pay, and you're done, in 3 clicks. ### API Checkout Integrate seamlessly with our SDKs or server-to-server APIs. Full control over your checkout flow with pre-built components or custom implementations. Optimized for conversion and production-ready in hours, not weeks. ### Dynamic IBANs Get virtual IBANs for your business to centralize all payment flows in one place. Perfect reconciliation with automatic transaction matching, unified treasury management, and complete visibility. ### Automated Yield Earn 3-5% annually on your payment flow, automatically and without locking your funds. Your money remains fully accessible 24/7 while generating near risk-free (US t-bills) returns. ### Minimize Fraud Bank-grade security meets local market expertise. Inflowpay integrates advanced security measures such as cryptographic encryption, biometrics, bank-grade Strong Customer Authentication (SCA), and two-factor authentication directly into our user flows. When chargebacks occur, our dedicated fraud experts fight them with you unlike competitors who leave you to handle disputes alone. We minimize fraud before it happens, and we minimize your losses when it does. ### Easy Refunds While our competitors may take several days to refund your customers, often with additional fees (causing a double loss for you, the merchants), we offer instant refunds with NO extra charges. ### No More Locked Out Our system employs a self-custodial wallet, ensuring that no party, including ourselves, could freeze or ban your merchant account. We eliminate one of the biggest fears of merchants. ## Our customers ### SaaS and E-Commerce Accept payments globally from day one. Multi-currency support, optimized checkout for maximum conversion, and transparent pricing. Scale from 10 to 10 million customers without changing or combining providers. ### Agencies and Freelancers Get paid faster with payment links that work worldwide. Track all earnings in one dashboard and earn 3-5% on your balance. Unlike competitors that treat you like second-class citizens, we give you dedicated support and help you maximize every dollar. ### Marketplaces Complete API suite built for two-sided marketplaces. Collect payments from buyers, split fees automatically, and payout sellers instantly, all with one integration. Handle escrow, commission splits, and multi-party settlements effortlessly. ## For developers Seamless API integration. Ultra-simple APIs with native SDKs for plug-and-play deployment, or server-to-server integration for enterprise-grade control. Production-ready in hours with crystal-clear documentation. Need help? Our field engineers could handle the integration for you. ## Testimonials > Thanks to Inflowpay, we're successfully conducting our first internal onchain payments test and making significant strides toward bringing ticketing fully onchain. Their solution is instrumental in our mission to transform the multi-billion dollar events industry. Chohan, Founder of GutsTicket (now CM.com) > Traditional payment solutions are far too rigid, both in terms of fees and in their responses to our requests. Really thankful for Inflowpay and the support we've been receiving from the team so far. Matthieu, Founder of Tempus Shop > Traditional payment platforms were killing us with high fees and rigid systems. Inflowpay's payment links changed everything, I send them in seconds and get paid instantly. Their onboarding was fast and communication excellent, which was a refreshing change from what we were used to. Perfect for handling our international marketing clients. Yasin, Founder of Karachi Creative Solutions ## FAQ Q: How much does Inflowpay cost? A: Simple, transparent pricing with no hidden fees. Check out our pricing page for the full breakdown. Spoiler: low fees all-in with no surprises. Q: I'm processing millions per month but keep getting blocked. Will Inflowpay really be different? A: Yes. Unlike traditional PSPs, Inflowpay operates on self-custody infrastructure: your funds never touch our balance sheet, eliminating the risk of arbitrary account freezes. That's why globally-traded companies and unicorns trust us with their payment flows. When you control your money, nobody can block you. Q: Why should I think global from day one? A: Years ago, selling internationally was complex and expensive. Today, with AI translation and social media, businesses launch globally without even realizing it. Then MoRs (Merchants of Record) arrived promising easy global payments, but with brutal terms: 10% plus fees, terrible acceptance rates, unoptimized checkouts, and random account blocks. It worked for some, but limited many more. With Inflowpay, you're global from day one with best-in-class terms from the start: transparent pricing, highest acceptance rates, and zero risk of sudden suspensions. Q: Can I migrate my existing subscriptions seamlessly to Inflowpay? A: Absolutely. We handle the entire migration, your customers won't even notice the switch. Zero downtime, zero disruption, and your recurring revenue keeps flowing uninterrupted. ## Related - [Pricing](https://inflowpay.com/pricing): two-tier transparent pricing (Standard 4% + $0.35 all-in, Enterprise custom) - [Blog: Don't Use a Merchant of Record Before Reading This](https://inflowpay.com/blog/dont-use-a-merchant-of-record-before-reading-this): structural risks of legacy MoR platforms and how Inflowpay's architecture differs - [60-second Leak Audit](https://audit.inflowpay.com): interactive calculator showing what hidden fees your current PSP costs you - [Inflowpay en français](https://inflowpay.com/fr): version française complète Company: Inflowpay SAS, 58 rue Monceau, 75008 Paris, France Founded by: Hanafi, Danny, Cedric, Thibault (ex-Mastercard, ex-Stripe, ex-Klarna) Backed by: Plug and Play, BPI France, Rockstart, Kima Ventures Clients include: CM.com, Ledger, StarkWare