One Gateway.
Every Payment Rail.
Route transactions across cross-border networks, real-time rails, and stablecoin settlements. AI-powered fraud protection can reduce loss rates to below 2 basis points.
Enterprise-Grade Security & Compliance
Payments Are Broken
Merchants juggle multiple providers, endure 3-5 day settlement, pay opaque fees, and lose millions to fraud. Legacy gateways weren't built for real-time rails or stablecoins.
Slow Settlement
Traditional gateways take 3-5 business days. Your cash is locked while the world moves in real time.
Sky-High Fraud
Industry-average fraud rates bleed revenue. Most gateways react to fraud instead of preventing it.
Rail Fragmentation
Cross-border, domestic, stablecoin — each needs a separate integration, contract, and dashboard.
From the Founder of Fraud.net
Built by the team that wrote the book on payment fraud prevention.
Pay.net is led by Whitney Anderson, founder of Fraud.net — one of the earliest AI-powered fraud prevention platforms. After years of watching merchants lose billions to fragmented payment stacks and reactive fraud tools, we're building the gateway that should have existed all along.
What Merchants Say
Trusted by Growing Businesses
“We switched from juggling three payment processors to Pay.net's single integration. Settlement went from 3 days to real-time, and our fraud chargebacks dropped 90%.”
“The cross-border routing is a game-changer. We're paying sellers in 40+ countries instantly through one API. Our previous setup required six different integrations.”
“Onboarding took 20 minutes instead of the 3 weeks we waited with our last provider. The AI-powered KYC actually works — no more document ping-pong.”
Connected Payment Rails & Networks
Built for the Future of Payments
One API. Every rail. AI-powered fraud protection. Instant settlement.
Dynamic Multi-Rail Routing
Our AI engine selects the optimal rail — cross-border networks, FedNow, RTP, ACH, or stablecoin — based on cost, speed, and destination.
2 Basis-Point Fraud Guarantee
AI-powered risk engine monitors every transaction in real time. We guarantee a fraud loss rate below 2 bps, backed by an insurance wrapper.
100+ Currencies, 195 Countries
Reach 11 billion endpoints worldwide through Visa Direct, Mastercard Move, Thunes, and stablecoin networks — one integration.
Instant Settlement
Real-time payment rails and stablecoin settlement mean your funds arrive in seconds, not days. 24/7/365 availability.
Transparent Pricing
Cross-border card-less at ~3%, FedNow at 0.5% + $0.10, stablecoins at 1%. No hidden fees, no surprises.
Minutes-Not-Days Onboarding
AI agents handle KYC/AML verification, document extraction, and sanctions screening — get live in minutes instead of weeks.
How It Works
Integrate Once
Connect via our REST API or drop-in SDK. One integration covers every payment rail.
AI Selects the Rail
Our routing engine evaluates cost, speed, currency, destination, and risk to pick the optimal path.
Funds Settle Instantly
Payments clear in real time across FedNow, RTP, stablecoins, or cross-border networks.
Monitor Everything
Real-time dashboards, anomaly detection, and AI-generated reports keep you in control.
Transparent Pricing
No hidden fees. Pay only for what you use. Dynamic routing optimizes cost automatically.
Cross-Border (Card-less)
195 countries, 100+ currencies
FedNow / Real-Time
24/7/365, instant settlement
Stablecoin (USDC)
Multi-chain settlement
RTP / ACH High-Volume
Volume-based pricing
Talk to Our Sales Team
Have questions about pricing, integration, or compliance? Our payment experts typically respond within 1 business day.
Start Accepting Payments Today
Open a merchant account in minutes. Our AI-powered onboarding handles KYC, compliance, and integration — so you can start processing payments across every rail.