payos

Live in 28 countries

Payments in Europe, Latin America and Africa

Cards, bank transfers and mobile wallets through a single integration. Payouts in USDT.

countries with local methods
28
countries with local methods
payment methods
30+
payment methods
integration instead of a dozen
1
integration instead of a dozen
payouts on TRC-20
USDT
payouts on TRC-20

Right now

Every payment, as it happens

Customers pay with what they already use. You see each payment in the dashboard and get a signed webhook a second later.

How to get started

From sign-up to your first payout

  1. 1

    Sign up

    Create an account and fill in your company details for verification.

  2. 2

    Add a shop

    Add your website, countries and webhook URL. Moderation checks the site and refund policy.

  3. 3

    API keys

    Once approved, issue keys and create your first payment — the customer pays on our page.

  4. 4

    Payouts

    Funds become available after three days. Withdraw in USDT to your TRC-20 address.

Platform

Everything you need to accept payments

Smart routing

Each payment goes to a provider that supports the method, currency and amount. If one does not answer, we try the next.

Hosted payment page

A ready form with the methods of the customer’s country. Cards, transfers and wallets with in-app confirmation.

Signed webhooks

We notify you of success, decline and expiry. Delivery is retried for two days, the log is in the dashboard.

Merchant dashboard

Payments with filters, balances per currency, API keys, payouts and support in one place.

Double-entry ledger

Every cent is a ledger entry. Balances add up by construction, not by reconciliation.

Audit log

Every action of staff and merchants is written to an append-only log.

Developers

One request and the payment is created

Signed requests, an idempotency key on every POST, amounts in minor units. Docs with Node.js examples.
POST /v1/payments
Idempotency-Key: 4f1c…

{
  "orderId": "A-1001",
  "amount": 24990,
  "currency": "EUR",
  "returnUrl": "https://shop.example/thanks"
}

→ 201 { "id": "pay_…", "checkoutUrl": "https://pay…" }

Pricing

Pay only for successful payments

No monthly fee, no setup fee, no minimum volume.

7.5%

+ $0.50 per successful payment

  • Funds available after 3 days
  • Payouts in USDT on TRC-20
  • Custom terms for high volumes

Questions

FAQ

What do I need to get connected?
Company details: legal name, country of registration, registration number and website. Moderation checks the website, contacts and refund policy. If documents are needed, support will request them in the dashboard.
How much does it cost?
7.5% plus $0.50 per successful payment. No monthly or setup fees. Custom terms for high volumes. Pricing details
When can I withdraw?
Three days after payment, funds move from “processing” to “available”. Payouts go out in USDT to a TRC-20 address at the rate at the time of the request.
How are payouts protected?
The payout address can only be changed with two-factor authentication and becomes active after 24 hours. The first payout to a new address and large amounts are reviewed manually.
Do I need to store card data?
No. The customer picks a method on our payment page and enters card details on the payment provider’s side. Your server only receives the payment status.
Which countries can I accept payments from?
Cards — worldwide. Local methods — in Europe, Latin America and Africa: Pix, SPEI, Yape, M-PESA, MTN, Orange Money and more. All methods by country

Start accepting payments

Sign up and verify your company in the dashboard. API keys are issued as soon as your shop is approved.