One integration. A stablecoin rail for your entire portfolio.
Give every merchant you serve a stablecoin checkout in digital dollars (USDC and USDT). One PYMSTR account, one API, and on-chain splits that pay you a spread on every transaction. You never hold the money, and you can be live in days.
Your merchants want stablecoins. Building it yourself is a trap.
To build a custody-grade stablecoin rail in-house, before a single merchant is live.
Lost by custodial crypto processors to hacks. Holding a pool of merchant funds is the exposure.
Chain operations you would own forever: key management, hot wallets, incident response.
Your share of stablecoin volume today. Merchants are adopting it with or without you.
Say no, and merchants churn to a provider that says yes. Build it, and you take on custody, licensing, and security exposure your card business never had. There is a third option.
The card giants already bought in.
What Stripe paid to acquire the stablecoin platform Bridge.
Acquired the stablecoin infrastructure company BVNK.
Stablecoin market capitalization.
Annual stablecoin settlement volume, more than Visa.
Figures as of 2026, per public company announcements.
This rail is being added to every serious payments stack. The only question is whether your merchants get it from you, or around you.
One account. Your whole portfolio.
One PYMSTR account
You onboard once, self-serve, in minutes, with no KYB to start. Your merchants never open a PYMSTR account and never talk to us.
On-chain splits
A single payment routes the merchant's cut to the merchant's wallet and your spread to yours, in one transaction.
We never hold the money
Payments move wallet to wallet and settle in seconds. PYMSTR never custodies merchant funds. The industry calls this non-custodial.
One payment. One transaction. Three wallets.
You create the payment
One API call sets the merchant's cut and the spread you want to earn on top.
The buyer pays the total
At a hosted checkout the buyer approves one amount, using a normal Google, email, phone, or Apple login.
The chain splits it
A single atomic on-chain transaction routes each cut to its wallet. No batching, no float, nothing to reconcile.
Everyone is settled in seconds
The merchant, you, and PYMSTR each receive your share directly, and the payment is final.
No funds ever touch your infrastructure. There is nothing on your side to safeguard, reconcile, or float.
Your merchants are just wallet addresses to us.
- Every merchant does KYB with the provider, and waits in their compliance queue.
- The provider can reject the merchants you bring.
- Your merchant data leaves your hands and sits with a third party.
- You earn a thin referral margin the provider sets.
- A merchant is a wallet address you add to an API call.
- You can take a merchant live the same day.
- PYMSTR never needs to know who your customer is.
- You set the spread, so the margin is yours.
Only you onboard, self-serve and with no KYB to start. Adding a merchant is adding an address to an API call.
You set the spread. Every payment pays you.
A buyer pays $100 at a 2% spread. Here is where it lands.
99.5% of their configured cut
99.5% of the 2% spread you set
flat 0.5% of the total
- The spread is set per payment, server-side, and is never shown to the buyer.
- Every recipient receives 99.5% of their configured cut, after the flat 0.5%.
- It all happens in one atomic transaction.
At a 2% spread the merchant's all-in cost is 2.49%, versus 5 to 10% on cards, with zero chargebacks.
Small spread. Serious revenue.
On $2M a month in portfolio stablecoin volume, here is what a spread earns you.
| Your spread | Merchant all-in | Monthly to you | Annually to you |
|---|---|---|---|
| 1.0% | 1.50% | $19,900 | $238,800 |
| 1.5% | 1.99% | $29,850 | $358,200 |
| 2.0% | 2.49% | $39,800 | $477,600 |
Illustrative. $2M a month is roughly 200 merchants where one in five adopts stablecoin checkout at $50K each. Your numbers depend on your book.
Three ways to offer stablecoins. One doesn't hurt.
Build it yourself
- 12 to 18 months to launch
- You custody funds
- Licensing in every market
- 24/7 chain operations
Resell a custodial processor
- Their KYB gates every merchant
- Their custody is your headline risk
- A thin referral margin
- Your merchant data leaves your hands
PYMSTR aggregator
The third option- Live in days on one API
- No custody, anywhere
- You set the spread on every payment
- Your merchants stay yours
One checkout. Your name on it.
Your logo at checkout
The hosted checkout carries your brand across every merchant you serve.
Hosted by PYMSTR
You never build or patch a payment page. We host and maintain it.
Logins buyers already have
Google, email, phone, or Apple. A wallet is created automatically. No extensions, no seed phrases.
You set the guardrails
Buyers can only pay on the networks and coins you allow, so there are no wrong-chain mistakes.
Ethereum$2-10 gasUSDC, USDT
Base$0.05 gasUSDC
Polygon$0.01 gasUSDC, USDT
Arbitrum$0.10 gasUSDC, USDT
BNB Chain$0.10 gasUSDTUSDC and USDT are 82% of the stablecoin market.
RoadmapA custom domain and an embedded SDK for a fully in-context checkout.
You never touch the money. Neither does your license.
- A software integration
- An API key
- A receiving wallet you control
- The spread you earn
- Custody of merchant or buyer funds
- Money transmission
- Settlement float and reconciliation
- Hot-wallet security operations
Payments settle wallet to wallet in a single on-chain transaction. You never hold or transmit funds, and PYMSTR never custodies merchant funds. The integration is software. PYMSTR is infrastructure, not a regulated money service. This is not legal advice, and your own counsel should review your obligations.
Flat fee on the total. Your spread is yours.
PYMSTR takes 0.5% of the total, deducted proportionally. Whatever spread you set on top is entirely your revenue.
Setup
Monthly
Minimums
KYB to start
The spread
Account for all
Same 0.5% for $1K or $1M. No tiers, no negotiations. See full pricing
From a call to a live merchant, fast.
This week
A 30-minute walkthrough, your account, and your API keys.
Next week
Sandbox testing and your first split payment.
Week 3
Your first pilot merchant, live.
Straight answers. No hand-waving.
Questions from payment providers.
No. Only you onboard, self-serve and with no KYB to start. To us a merchant is a wallet address you add to an API call, so you can take one live the same day.
Add the rail this quarter.
One integration. Every merchant you serve gets a stablecoin checkout, in your brand. You never hold the money.