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The Instant Settlement Payment Gateway. Not T+3.

Instant crypto settlements built on stablecoin rails. USDC and USDT confirm to your wallet in 2-15 seconds — no rolling reserves, no batch processing, no T+3 wait. This is the merchant's version of an instant settlement payment gateway.

//Problem · Solutionwhy this exists
× the problem

Traditional payment processors run on T+3 to T+7 settlement, plus 5-15% in rolling reserves held for 6+ months as chargeback insurance. On $500K monthly volume that is up to $300K of capital permanently locked out of operations. High-risk merchants face even longer holds and unpredictable freezes. Cash flow becomes unpredictable, working capital evaporates into reserves, and growth gets gated by a settlement schedule the merchant never agreed to. The only way to break the lock is instant crypto settlements — an instant settlement payment gateway running on rails that finalize on-chain.

→ the solution

PYMSTR delivers instant crypto settlements for stablecoin checkout. USDC and USDT transfer on-chain directly from customer wallet to merchant wallet, confirming in 2-15 seconds depending on the chain (~2 sec on Base and Polygon, ~2 sec on Arbitrum, ~3 sec on BNB, ~15 sec on Ethereum). No batching, no processing windows, no intermediary holding your money. Funds are immediately available, immediately spendable, immediately yours — sitting in a wallet PYMSTR cannot reach.

//How it works3 steps

Three steps, on-chain.

Step 01

Customer pays

Stablecoins transfer on-chain from customer to your wallet.

Step 02

Chain confirms (2-15 sec)

Base/Polygon: ~2 sec. Arbitrum: ~2 sec. BNB: ~3 sec. Ethereum: ~15 sec.

Step 03

Funds available immediately

Stablecoins are in your wallet. Use them, hold them, or off-ramp to fiat. Your choice.

//Benefits4 primitives

What you get.

01

Cash Flow Certainty

Know exactly when funds arrive. No 3-7 day uncertainty, no batch processing delays.

02

No Rolling Reserves

Traditional processors hold 5-15% for 6+ months. On $500K monthly volume, that's up to $300K locked. PYMSTR holds nothing.

03

Capital Efficiency

Use funds immediately. Reinvest in operations, pay suppliers, distribute winnings. No waiting.

04

Predictable Operations

Every payment settles in seconds. No late-arriving batches, no weekend delays, no holiday processing freezes.

//Instant Settlement questions7 answers

Short
answers.
No jargon.

An instant settlement payment gateway settles funds to the merchant within seconds rather than days. Traditional gateways batch transactions and release them to your bank account on T+3 to T+7 schedules; PYMSTR is an instant settlement payment gateway that finalises each stablecoin payment individually on-chain in 2-15 seconds, directly to a wallet you control.
Instant crypto settlements are on-chain transactions that finalise in seconds and deliver funds directly to the merchant's wallet — no batching, no intermediary holding the money. PYMSTR delivers instant crypto settlements for USDC and USDT across Ethereum, Base, Polygon, Arbitrum, and BNB Chain. Block-confirmation times range from ~2 seconds on Base/Polygon/Arbitrum to ~15 seconds on Ethereum. Once the block confirms, the merchant has the funds — there is no separate clearing step.
Depends on the chain: Base and Polygon confirm in ~2 seconds, Arbitrum in ~2 seconds, BNB in ~3 seconds, Ethereum in ~15 seconds. Funds are in your wallet the moment the block is confirmed — there is no separate "settlement" step waiting downstream.
No. Each transaction settles individually as it confirms on-chain. There is no end-of-day batching, no processing windows, no weekend delays. Sunday 3 a.m. payments settle the same as Tuesday 11 a.m. payments.
Card processors typically settle T+1 to T+3 for low-risk merchants and T+5 to T+7 for high-risk verticals (gambling, forex, CBD, adult). PYMSTR settles in 2-15 seconds regardless of vertical. PYMSTR sits alongside your card rail — it does not replace it — so you keep card volume on its existing schedule and route stablecoin volume to instant settlement.
Card processors hold 5-15% of your monthly volume for 6+ months as chargeback insurance. On stablecoin rails there is nothing to insure against — settlement is on-chain and final, no chargeback exists. So no reserve is held. Your capital stays free.
Yes. Use any crypto exchange or OTC desk to convert stablecoins to fiat. Many merchants keep a portion in stablecoins (earning yield) and off-ramp the rest weekly or monthly.

Add the stablecoin rail to your checkout.

Non-custodial. Stable-in, stable-out. Funds settle directly to your wallet on-chain.