PYMSTR

PYMSTR is a non-custodial stablecoin payment gateway that lets merchants accept USDC and USDT across 5 networks (Ethereum, Base, Polygon, Arbitrum, BNB) with a 1% flat fee, instant on-chain settlement (under 3 seconds), and zero chargebacks. Payments route directly from the customer’s wallet to the merchant’s wallet — PYMSTR never holds funds, so there is nothing to freeze, hack, or reverse.

Unlike custodial crypto processors that bundle currency conversion at 2–5% and hold your money until they decide to pay out, PYMSTR settles instantly to the address you already control. You keep your card processor, your bank, and your wallet; PYMSTR adds a second payment rail for the 100M+ people who already hold stablecoins.

Merchants go from sign-up to first payment the same day — no processor application, no KYB review, no seed phrases. Social login (Google, Apple, email, SMS) creates a wallet automatically, and customers can’t send the wrong asset because PYMSTR enforces the coin and network at checkout.

Best for: gaming & digital goods, iGaming & sportsbooks, online casinos, esports, creators, cross-border merchants, crypto-native businesses and high-volume marketplaces — the merchants other processors won’t touch, with no moral underwriting and no surprise terminations.

Transaction fee

• 1% flat per transaction — no FX markup, no hidden conversion.
• Example: $2.50 fee on a $250 payment.

No setup or monthly fees

• Self-serve from sign-up to settlement — no processor application, no KYB review.

Other costs

• Gas fees — shown transparently at checkout (e.g. ~0.000124 USDC on Base).
• No FX — PYMSTR does not offer currency conversion; you convert to cash on your own terms, on your schedule.

Compared to custodial processors

• Custodial processors: 2–5% + FX markup, payouts when they decide.
• PYMSTR: 1% flat, no FX, instant to your wallet.

Seven capabilities in one integration

• Instant deposit — transactions settle in under a second (avg ~3s), straight to your wallet.
• Payment splitting — one customer payment, multiple merchant wallets; platform fees, partner cuts and payouts handled in a single on-chain event (all-or-nothing).
• Pay with a Google login — no app to install, no crypto knowledge needed; Google, Apple, email or SMS creates a wallet automatically (+ 400 more login methods).
• You get paid in the coin you chose — customers pay the exact coin and network you specify; you receive the same stablecoin. No FX markup.
• Customers your card processor can’t reach — stablecoin-holding players in regions where cards fail, get declined, or take days to settle. A second rail, not a replacement.
• We never hold your money — money flows from customer wallet directly to yours; nothing for PYMSTR to lose. Verifiable on Etherscan, BaseScan, Polygonscan, Arbiscan, BscScan.
• Batch payouts — pay players, affiliates, vendors and staff in one on-chain batch (up to 100 recipients); non-custodial, 1% flat.

How it works — same-day setup

1. Sign up — social login creates your merchant wallet. No processor application, no KYB, no seed phrases.
2. Pick coins and chains — choose USDC/USDT across 5 chains; customers can’t send the wrong asset.
3. Generate a link or drop in checkout — payment links work the same day; full API integration ships in two days.
4. Get paid in seconds — money lands directly in your wallet; you get a webhook.

Developer experience

• One curl and you’re live — REST API + webhooks across 5 chains.
• On-chain receipts verifiable on every major block explorer.

Industries (all live)

• Gaming & digital goods, iGaming & sportsbooks, online casinos, esports, creator economy, cross-border merchants, crypto-native businesses, high-volume marketplaces.