Question 1

What is Pay.net?

Accepted Answer

Pay.net is a multi-rail payment gateway that routes transactions across cross-border networks, FedNow, RTP, ACH, and stablecoin rails through a single API integration. It uses AI-powered fraud protection to maintain loss rates below 2 basis points and supports 100+ currencies in 195 countries with instant settlement.

Question 2

How does Pay.net's multi-rail routing work?

Accepted Answer

Pay.net's AI routing engine evaluates cost, speed, currency, destination, and risk for each transaction, then selects the optimal payment rail — whether that's FedNow for US instant payments, Visa Direct or Mastercard Move for card push payments, stablecoin settlement via USDC/USDT, or traditional SWIFT for international wires. Merchants integrate once and the system handles rail selection automatically.

Question 3

What payment rails does Pay.net support?

Accepted Answer

Pay.net supports 8 payment rails: Visa Direct (card push payments), Mastercard Move (cross-border transfers), FedNow (US instant payments), RTP Network (real-time payments), USDC/USDT (stablecoin settlement), Thunes (global payout network), ACH (US bank transfers), and SWIFT GPI (international wire). All accessible through a single API.

Question 4

How much does Pay.net cost?

Accepted Answer

Pay.net offers transparent pricing with no hidden fees: cross-border card-less payments at approximately 3%, FedNow/real-time payments at 0.5% + $0.10 per transaction, stablecoin settlement (USDC) at 1%, and custom volume-based pricing for RTP/ACH high-volume merchants. Dynamic routing automatically optimizes for the lowest-cost rail.

Question 5

How does Pay.net prevent fraud?

Accepted Answer

Pay.net uses an AI-powered risk engine that monitors every transaction in real time, drawing on 15+ years of fraud prevention expertise from founder Whitney Anderson (creator of Fraud.net). The system analyzes over $2B in historical transaction data, screens against sanctions lists, performs real-time anomaly detection, and guarantees fraud loss rates below 2 basis points (0.02%), backed by an insurance wrapper.

Question 6

How long does it take to set up Pay.net?

Accepted Answer

Pay.net onboarding takes minutes, not weeks. AI agents handle KYC/AML verification, document extraction, and sanctions screening automatically. Merchants connect via a REST API or drop-in SDK with a single integration that covers every payment rail. Most businesses go live within the same day.

Question 7

Does Pay.net support Southeast Asian payment methods?

Accepted Answer

Yes. Pay.net integrates with major APAC local wallets and real-time payment systems including GoPay, OVO, and DANA (Indonesia), PayNow (Singapore), GCash (Philippines), GrabPay (SEA-wide), PromptPay (Thailand), and Touch 'n Go (Malaysia). Key cross-border corridors like Indonesia to Singapore, Philippines to US remittance, and Singapore to India are supported with optimized routing and local settlement.

Developer Dashboard

Generate New API Key

API Key Security