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.

Payment Rail	Rate	Settlement	Coverage	Best For
Cross-Border (Card-less)	~3%	Same day	195 countries, 100+ currencies	International B2B, marketplace payouts, remittance
FedNow	0.5% + $0.10	Instant (24/7/365)	United States	US real-time payments, payroll, bill pay
RTP Network	0.5% + $0.10	Instant	United States	US instant P2P, invoice settlement
Stablecoin (USDC)	1%	Minutes (on-chain confirmation)	Global (multi-chain)	Crypto-native businesses, DeFi, global payouts
ACH	0.25% + $0.10	1–2 business days	United States	High-volume recurring, subscription billing
Visa Direct / MC Move	1.5%	Minutes to 30 min	Global (card networks)	Instant card payouts, gig economy, refunds
SWIFT GPI	Custom	1–3 business days	Global (200+ countries)	Large-value international wires, treasury
Thunes	Custom	Same day	130+ countries	Emerging market payouts, mobile money

Feature	Pay.net	Traditional
Payment rails	8 rails, 1 integration	1–2 rails per provider
Settlement speed	Instant (FedNow/RTP/stablecoin)	3–5 business days
Cross-border	195 countries, 100+ currencies	Limited, high fees
Fraud rate	<2 basis points (guaranteed)	5–15 basis points
Pricing transparency	Per-rail, no hidden fees	Interchange-plus, opaque
AI routing	Yes — auto-optimizes cost + speed	No
Stablecoin support	Native (USDC, USDT, multi-chain)	No
Onboarding time	Minutes (AI-powered KYC)	1–3 weeks
Setup fees	$0	$50–$500+

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