RoutePays — Card acquiring, card issuing and global accounts

Products

Turn on what you need. Every product shares the same balance, dashboard and API.

Payments

One checkout for cards, wallets and stablecoins

Hosted checkout and payment links. Integrate once and accept several payment methods.

Visa, Mastercard, Apple Pay, Google Pay
USDT with a dedicated address per order, verified on-chain
Payment links with no code, for email and chat
Absorb the fee or pass it to the payer

Cards & wallets →

Virtual accounts

Collection accounts in your business name

Virtual accounts and VIBANs for local transfers and SWIFT wires, credited to the same balance.

Held in your registered business name
A dedicated account number for each customer or sub-merchant
Real-time credit alerts and automatic reconciliation

Virtual accounts →

Card issuing

Virtual, physical and stablecoin cards

Issue cards to your team and vendors, or to your customers, with limits and controls on every card.

Per-transaction, daily and monthly limits
Merchant category (MCC) restrictions
Freeze, unfreeze and cancel at any time
Stablecoin cards funded with USDT

Card issuing →

Global payouts

Pay suppliers and partners abroad

Send funds from your balance to bank accounts or wallet addresses. Every payout is confirmed, reviewed and tracked.

Payees approved in advance
Each payout confirmed with a passkey
Approved, sent and completed statuses by webhook

Global payouts →

Dashboard

One dashboard for all your money

Orders, balances, settlements, withdrawals and team permissions in one place.

Five roles: owner, admin, finance, developer, viewer
Every balance change traces to an order, settlement or withdrawal
CSV exports for orders and ledger entries

2.8% + US$0.50Cards and wallets, standard rate

1% + 0.50 USDTStablecoins, standard rate

0Setup and monthly fees

4Balance currencies: USD, EUR, HKD, USDT

How money moves

Funds from every channel land in one balance, ready for card spend, payouts or withdrawal.

Money in

Cards and wallets
Stablecoins
Bank transfers (virtual accounts)
Payment links

RoutePays balance

Multi-currency balance
Ledger and settlement detail
Continuous reconciliation

Money out

Card spend
Global payouts
Withdrawals to approved accounts

Getting started

1
Sign up
Register with your work email, invite your team and assign roles.
2
Submit business details
Upload verification documents and business information in the dashboard.
3
Review and enable
After compliance review we confirm pricing and limits and enable your products.
4
Start accepting
Integrate the API or share a payment link. Funds settle to your balance.

Developers

A REST API with JSON requests and responses.

HMAC-SHA256 request signing; the secret never leaves your server
Idempotency keys make retries safe
Signed webhooks for orders, settlements and payouts, retried on failure
Amounts as decimal strings, timestamps in RFC 3339

API overview →

POST https://api.routepays.com/v1/orders
X-ACQ-KEY: ak_…
X-ACQ-TS: 1790680394
X-ACQ-NONCE: 9f2c4b1e…
X-ACQ-SIGN: 3b7e…
Idempotency-Key: SO-10086

{
  "amount": "100",
  "external_order_no": "SO-10086",
  "return_url": "https://shop.example.com/orders/SO-10086"
}

201 Created
{
  "order_no": "ACQ2609291213K7QXD2",
  "status": "waiting_payment",
  "checkout_url": "https://checkout.routepays.com/c/c109c905…",
  "expires_at": "2026-09-29T12:43:14Z"
}

Security and compliance

Passkey confirmation

Withdrawals, withdrawal addresses, webhook URLs, settlement settings and API keys require a passkey confirmation from the account owner.

Approvals and audit

Fund and risk operations on our side go through an approval workflow, and every action is recorded in an audit log.

Independent verification

Every payment is verified independently and balances are reconciled continuously. Withdrawals pause automatically if reserve coverage drops below 100%.

Segregated ledgers

Each merchant has its own balance and ledger. Every entry traces back to an order, a settlement or a payout.

Industries

E-commerce

Accept cards, wallets and stablecoins, reconciled per order.

Cards & walletsStablecoins

SaaS and AI

Subscriptions, top-ups and usage-based billing.

Cards & walletsPayment links

Gaming and digital goods

Top-ups, items and codes, delivered once paid.

StablecoinsCheckout

Trade and B2B

Collect from overseas buyers with virtual accounts and pay suppliers.

Virtual accountsPayouts

Social commerce

Get paid with a link on WhatsApp, Telegram or Instagram.

Payment links

Platforms

Offer acquiring, accounts and cards to your merchants under your brand.

White labelCard issuing

FAQ

What does RoutePays offer?

Card and wallet acceptance, stablecoin payments, hosted checkout and payment links, virtual accounts, card issuing (virtual, physical and stablecoin cards), global payouts and a white-label program for platforms. Stablecoin payments and checkout are available on sign-up; other products are enabled through sales.

What are the fees?

Cards and wallets 2.8% + US$0.50; stablecoins 1% + 0.50 USDT, per successful transaction. No setup or monthly fees. Custom pricing is available for higher volumes. See Pricing.

How do I open an account?

Sign up and submit your business verification documents in the dashboard. We enable payments once the review is complete.

How do I withdraw funds?

Settled funds go to your balance. You can withdraw to approved addresses or accounts; each withdrawal is confirmed with a passkey.

Do I need a developer?

No. Create a product in the dashboard to get a payment link. Use the API and webhooks when you want to connect your own systems.

Get started with RoutePays

Sign up and submit your business details. You can accept payments once approved.

Sign up Contact sales

Payments and money movement for global businesses