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.

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