GLOBAL PAYMENTS.
HALF THE FEES.
INSTANT STABLECOIN.
Accept payments worldwide at half the card processing fees. Convert instantly into your local currency or stablecoin — no code required.
+10K10,000+ merchants
trust Baynoy worldwide
across 2,400+ reviews
PCI DSS Level 1
No card · $1,000 sandbox
At Baynoy, we believe payments should be simple, secure, and accessible anywhere. Our mission is to give every business — clinic, freelancer, agency, creator — enterprise-grade tooling at half the fee, with stablecoin complexity tucked behind the scenes.
10M+
Trusted by millions worldwide
$32.4M+
Transactions made in a month
99.9%
Uptime SLA target
Countries supported
100+
Send and receive money globally
Partner merchants
20K+
Cashback through our network
SMART AND EASY WAYS TO MANAGE YOUR MONEY WISELY
Managing money wisely is key to achieving financial stability and reaching your goals.
SAVING GOAL
Data from Mon 20 – Aug 27 2026
$2,390.00
Of $5,000
ACCELERATE YOUR SAVINGS GOALS EVEN FASTER TODAY
Achieve your financial dreams faster by focusing on smart saving strategies.
HOSTED CHECKOUT
A mobile-first, multi-language checkout you can paint with your logo, color and locale.
- ✓Cards + Apple/Google Pay
- ✓SEPA, ACH, iDEAL, PIX
- ✓3D Secure 2.0
STABLECOIN BRIDGE
USDC, USDT, EURC, PYUSD across Solana, Base, Ethereum, Polygon, Tron — one API.
- ✓Multi-chain routing
- ✓Auto on/off-ramp
- ✓Travel Rule compliant
WIDGET & PLUGINS
One-line embed for product, donation and subscription widgets. WordPress, Shopify, Webflow.
- ✓Single product
- ✓Donation / tip jar
- ✓Embed checkout
MULTI-CURRENCY ENGINE
Price in 30+ currencies, customers pay in theirs, you take in yours.
- ✓0.5% FX markup
- ✓5-min locked rate
- ✓Auto-conversion rules
PAYOUTS
Send to IBAN, ACH, a USDC wallet, or another Baynoy account — pick the rail.
- ✓Bulk CSV / API payouts
- ✓USD/EUR/TRY to bank
- ✓Phase 2: Payroll
DEVELOPER TOOLS
Enterprise-grade API, OpenAPI 3.1, SDKs in JavaScript / Python / PHP / Ruby / Go.
- ✓Sandbox + test cards
- ✓HMAC-signed webhooks
- ✓Idempotency keys
How money moves
ONE FLOW. ANY RAIL.
HALF THE FEE.
From any payment method on the left, through Baynoy, to any settlement rail on the right — with locked-rate FX and transparent fees.
ANY METHOD
Customer charged
€1,250.00
Berlin · Card
- 💳
Card
Visa, MC, Amex, 3DS
- 🍎
Apple / Google Pay
Saved on phone
- 🪙
USDC
Solana · Base · Ethereum
- 🏦
SEPA / ACH / PIX
Local rail
WE PROCESS
Processed in
1.4s
p95 latency
Lock FX rate
5-minute guarantee
3D Secure + OFAC
Fraud + sanctions screen
Multi-chain bridge
Stablecoin routing
Convert + settle
0.5% FX markup
ANY RAIL
Settled to bank
₺48,230.50
Garanti BBVA · 1 day
- 🏦
Bank (IBAN/ACH)
TRY, EUR, USD…
- 💎
USDC wallet
Any supported chain
- ♻️
Hold balance
Convert later
- 🚀
Auto-rules
Split, schedule, threshold
Card domestic
2.4% + $0.20
USDC / stablecoin
0.5% flat
FX markup
0.5% (locked 5 min)
Bank payout
$0.25 · USDC $0.50
How it works
GO LIVE IN THREE STEPS
KYC, bank account, checkout — done in under 30 minutes.
01
SIGN UP & VERIFY
Register with email or Google / Apple. Get Tier 1 in 5 minutes with ID + selfie, Tier 2 with bank verification — $100K/month limit.
02
CHOOSE YOUR PAYMENT RAIL
Payment Link, Hosted Checkout, Widget or API — pick what you need, no code or full integration.
03
CUSTOMER PAYS, YOU CHOOSE PAYOUT
Customer pays by card or USDC. You decide: pull TRY to your bank, hold EUR, or send USDC to your wallet.
466K+
Daily transactions
10M+
User downloads
350K+
Global users
FAQs
FREQUENTLY ASKED QUESTIONS
WHAT TYPE OF BUSINESSES DO YOU WORK WITH?⌄
We partner with startups, small businesses, and established enterprises across industries — customizing solutions based on your unique challenges and goals.
HOW LONG DOES ONBOARDING TAKE?⌄
Tier 1 verification is automatic in 5 minutes. Tier 2 — required for higher monthly limits — takes 1–24 hours after submission.
WHERE DO MY FUNDS LAND?⌄
Any IBAN, ACH or wire account in your name, or a USDC wallet on Solana, Base, Ethereum or Polygon.
HOW DO I GET STARTED?⌄
Create a free account, complete Tier 1 verification, and integrate via widget, payment link or our API — usually live in under 30 minutes.
Pricing
A PLAN THAT GROWS WITH YOU
30-day free Pro · No credit card · Cancel anytime.
STARTER
3% + $0.30 per card transaction
For getting started. "Powered by Baynoy" badge required.
- ✓Hosted Checkout + Payment Link
- ✓Basic widgets (3 types)
- ✓Accept USDC payments
- ✓Email support (48h SLA)
PRO
2.4% + $0.20 per card transaction
Branded look, reduced fees, advanced widget builder.
- ✓Everything in Starter
- ✓Remove brand badge
- ✓Recurring & subscriptions
- ✓Email + chat support (24h SLA)
- ✓Webhook & API priority
BUSINESS
2.0% + $0.20 per card transaction
Team controls, mass payouts, advanced reporting.
- ✓Everything in Pro
- ✓Mass payouts (CSV + API)
- ✓Team & role-based access
- ✓Tax reports (1099-K, VAT MOSS)
- ✓Scheduled support call (8h SLA)
ENTERPRISE
Volume-based pricing
Volume discount, dedicated CSM, white-label option.
- ✓Everything in Business
- ✓White-label / co-brand
- ✓Dedicated Slack + CSM
- ✓Custom SLA (1h)
- ✓Custom contract & terms
