PayerMax
PayerMax is a Shanghai-based cross-border payment gateway, founded in 2020, that provides acquiring, payout, collection, FX, and risk management services across 600+ payment methods and 150+ countries, primarily serving digital merchants in gaming, e-commerce, and social/live-streaming verticals across emerging markets.
- Company typePrivate
- Founded2020
- HeadquartersShanghai, China
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What PayerMax does
PayerMax is a private cross-border payment gateway founded in 2020 and headquartered in Shanghai, China. The company operates an AI-powered payment platform that supports 600+ local payment methods across 150+ countries and 70+ transaction currencies, offering local acquiring, cross-border payin, batch payouts, local-currency collection, FX management, multi-currency fund management, and AI-driven fraud and chargeback protection. The platform is built around three core products (Global Acquiring, Global Payout, Global Collection) and three add-on modules (Risk Management, FX Management, Fund Management), with vertical-specific solutions for Gaming, E-Commerce, Social/Live-Streaming, OTA, Enterprise SaaS, Renewable Energy, and Streaming Media.
The company's go-to-market blends product-led growth (API-first integration, self-serve developer portal, sandbox testing, AI-assisted integration tools) with enterprise field sales for large digital merchants and channel partnerships through SaaS e-commerce platforms (Shopify, Shopline, Shoplazza, Allvalue) and global banks (Standard Chartered, CIMB, DBS, Bangkok Bank, Emirates NBD, Saudi Awwal Bank). Revenue is generated primarily through transaction fees on processing, FX conversion markups, and value-added services such as risk management and tax withholding; pricing is quote-based and not publicly disclosed.
PayerMax holds regulatory certifications including PTSP from Saudi Payments/SAMA, a UAE payment license, ISO/IEC 27001:2022, and PCI DSS Level 1, and operates regional headquarters in Riyadh and Dubai to serve MENA. The company reports covering 80% of China's TOP 30 social companies in global markets and achieving 99.99% system availability through a collaboration with AWS. Co-founded by Wang Hu with Essay Zhu serving as Partner and COO, PayerMax announced Central Asia as its next key emerging market in June 2025.
PayerMax firmographics
Firmographics- Name
- PayerMax
- Legal name
- PayerMax
- Website
- https://payermax.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- PayerMax is a Shanghai-based cross-border payment gateway, founded in 2020, that provides acquiring, payout, collection, FX, and risk management services across 600+ payment methods and 150+ countries, primarily serving digital merchants in gaming, e-commerce, and social/live-streaming verticals across emerging markets.
- Ownership category
- akta.pro rank
PayerMax industry classification
Industry- Product category
- Cross-Border Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)
Keywords
Where PayerMax is headquartered
LocationHeadquarters
- HQ city
- Shanghai
- HQ country
- China
- HQ region
- Asia
Offices3 records
Markets served
PayerMax business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Payment Processing Fees: Transaction fees charged on payment processing across global acquiring, payout, and collection services. Merchants pay fees for each transaction processed through the platform.
- FX Conversion Services: Revenue generated from currency conversion services when merchants settle transactions in different currencies, including exchange rate markups.
- Value-Added Services: Additional services including risk management, chargeback protection, tax withholding services, and premium support.
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
PayerMax product offering
Product offeringCore offering
PayerMax provides a unified cross-border payment platform that enables digital merchants to accept payments (Global Acquiring), disburse funds (Global Payout), and receive local-currency collections (Global Collection) across 150+ countries and 70+ currencies. The platform is augmented by AI-powered risk control, FX management and hedging, and multi-currency fund management, and is delivered to gaming, e-commerce, social/live-streaming, and other digital merchants via API, embedded components, and SaaS platform partnerships.
Product overview
PayerMax is a global leading omnichannel payment solution provider offering a unified platform with multiple integrated modules. The core products include Global Acquiring (payment acceptance), Global Payout (batch disbursements), and Global Collection (local account receiving). These are supplemented by add-on modules: Risk Management (fraud and chargeback protection), FX Management (currency exchange and hedging), and Fund Management (multi-currency account operations). Industry-specific Solutions include Gaming, Live-Streaming, E-Commerce, and Customized Solutions for specialized sectors. The platform supports 600+ payment methods across 150+ countries and 70+ currencies, enabling borderless transactions for digital merchants in developing markets.
Differentiator
Problem solved
Functional benefit
Products and services
- Global Acquiring Payment acceptance solution for digital merchants enabling local or cross-border payin in every market via multiple integration methods (API, front-end components, cashier payment, PayByLink). Supports 200+ payment methods across 100+ countries and is targeted at enterprises needing cross-border acceptance.
- Global Payout Batch disbursement solution for enterprises needing to pay out to recipients globally via bank transfers, wallets, or cash across 150+ countries and 40+ currencies, with 90% of transactions settling within 1 hour.
- Global Collection Local account-based payment receiving solution that uses overseas local accounts to enable easy, instant acquiring and local-currency settlement for merchants collecting funds from buyers in foreign markets.
- Risk Management Standalone risk control module combining AI-powered anti-fraud detection, chargeback protection, and flexible policy settings to safeguard payment operations for digital merchants.
- FX Management Standalone foreign exchange management module enabling efficient currency exchange and short- and long-term hedging against exchange rate fluctuations.
- Fund Management Standalone multi-currency account management module supporting convenient transfers, self-service settlement, and multi-country tax payment services for digital merchants.
- E-Commerce Solutions Industry-specific solution bundling Global Acquiring, Global Payout, Global Collection, fund management, transaction monitoring, and dynamic anti-fraud measures for cross-border e-commerce merchants.
- Gaming Solutions Industry-specific payment solution for gaming merchants supporting In-App Top-ups, top-up station integration, and VIP Top-ups with full device compatibility, optimized payment flows, and large-amount top-up support.
- Live-Streaming Solutions Industry-specific payment solution for social and live-streaming platforms supporting Gift Top-up, VIP Top-up, Streamer Payout, and salary distribution scenarios.
- Customized Solutions Tailored payment solutions for industries such as OTA, Enterprise SaaS, Renewable Energy, Streaming Media, and Short Drama platforms, built on PayerMax's core cross-border payment infrastructure.
Quantifiable outcome
- Reduces cross-border transaction costs by up to 1% per transaction through local acquiring
- +7 more outcomes
Companies that use PayerMax
Customer profileNamed customers2 records
Segments8 records
Ideal customer profiles3 records
PayerMax technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability6 records
Feature7 records
PayerMax partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered major, core and minor.
- PayBymajorPartnership to strengthen digital payment capabilities in the MENA region. PayerMax collaborates with PayBy to enhance digital payment solutions across Middle East markets.
- AWScoreAWS collaborated with PayerMax to achieve 99.99% system availability, significantly enhancing the global payment experience. The collaboration uses Chaos Engineering of Amazon Web Services combined with expert resources to improve service reliability and response time.
- Standard CharteredcoreStrong alliance to provide best payments solution for navigating complexities of cross-border payments. Partnership enables PayerMax to leverage Standard Chartered's global banking infrastructure for enhanced cross-border payment services.
- Saudi Awwal Bank (SAB)majorPartnership advancing digital payment ecosystem while supporting financial inclusion and enhanced user experience through digital payments in Saudi Arabia.
- Emirates NBDmajorPartnership to advance digital twin ecosystem while supporting financial inclusion, economic diversification, and enhanced user experience through digital payments in the UAE region.
- Google PaycorePayerMax officially became an Official Partner of Google Pay, enabling enhanced payment options for merchants using PayerMax's payment gateway.
- ShopifymajorSaaS e-commerce platform partnership enabling quick integration to PayerMax's payment services for Shopify merchants.
- ShoplinemajorSaaS e-commerce platform partnership enabling quick integration to PayerMax's payment services for Shopline merchants.
- ShoplazzamajorSaaS e-commerce platform partnership enabling quick integration to PayerMax's payment services for Shoplazza merchants.
- AllvalueminorSaaS e-commerce platform partnership enabling quick integration to PayerMax's payment services for Allvalue merchants.
Scale indicators8 records
Recent moves8 records
Expansion highlights7 records
PayerMax competitors and assessment
Company assessmentDirect peers
- WorldFirst: Ant Group-owned cross-border payment platform for SMBs and enterprises, offering multi-currency collection and payouts — comparable to PayerMax's cross-border acquiring and Global Payout products.
- dLocal: Emerging-markets-focused payment processor offering local-to-local cross-border acquiring across LATAM, APAC, and MENA — directly competes with PayerMax in the same merchant segments and geographies.
- Airwallex: Cross-border payments platform offering global acquiring, multi-currency accounts, payouts, and FX management targeting digital merchants expanding internationally — directly comparable to PayerMax in product scope and emerging-markets focus.
- PingPong: China-origin cross-border payment processor serving global e-commerce merchants with multi-currency acquiring and payouts — directly competitive with PayerMax in cross-border acquiring for Chinese exporters.
Broad incumbents
- Stripe: Global payment infrastructure incumbent covering acquiring, payouts, and developer-first integration — competes directly with PayerMax for enterprise merchants and SaaS platforms while serving a much broader market.
- Checkout.com: Global cloud-based payments provider serving enterprise merchants with optimized authorization and cross-border acquiring — competes with PayerMax for digital-first international merchants.
- Adyen: Enterprise-focused global payment processor with unified acquiring, payouts, and FX — overlaps with PayerMax's enterprise value proposition but at materially larger scale and balance sheet.
Emerging players
- Paddle: Merchant-of-Record (MoR) platform for SaaS and digital goods with built-in cross-border tax, billing, and global payment acceptance — comparable to PayerMax's merchant-solutions and fund management offerings for digital goods sellers.
Regional players
- Network International: Leading MENA payment processor serving merchants and financial institutions across the Middle East and Africa — directly comparable regional competitor to PayerMax's MENA operations.
- PayTabs: MENA-based payment processor offering online and in-store payment solutions across the Middle East and North Africa — competes with PayerMax in the same regional merchant segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
PayerMax social profiles
Digital presencePayerMax compliance and trust
Trust signalCompliance4 records
PayerMax financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayerMax leadership team
Management profileNumber of profiles
Profiles2 records
PayerMax funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayerMax M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PayerMax
What does PayerMax do?
PayerMax provides a unified cross-border payment platform that enables digital merchants to accept payments (Global Acquiring), disburse funds (Global Payout), and receive local-currency collections (Global Collection) across 150+ countries and 70+ currencies. The platform is augmented by AI-powered risk control, FX management and hedging, and multi-currency fund management, and is delivered to gaming, e-commerce, social/live-streaming, and other digital merchants via API, embedded components, and SaaS platform partnerships.
Is PayerMax a public or private company?
PayerMax is a private company. It is classified as unknown and is currently operating.
When was PayerMax founded?
PayerMax was founded in 2020. It employs 101 to 250 people.
Where is PayerMax based?
PayerMax is headquartered in Shanghai, China, in the Asia region.
How does PayerMax make money?
Three revenue lines are on record. Payment Processing Fees are the primary driver. The others are FX Conversion Services and value-Added Services.
Who are PayerMax's main competitors?
Direct peers on record are WorldFirst, dLocal, Airwallex and PingPong. Broad incumbents are Stripe, Checkout.com and Adyen. Paddle is listed as an emerging player. Regional players are Network International and PayTabs.
Does PayerMax have an API?
Yes. PayerMax offers a public API for payment integration with V2 (New Version) and V1 (Old Version) available. The API supports global acquiring (200+ payment methods across 100+ countries), global payout (batch disbursements to 150+ countries in 40+ currencies), and subscription/auto-debit capabilities. Developers can access API Explorer, API descriptions, authentication documentation, and testing/sandbox environments. Additionally, AI Skills are available on GitHub for faster integration, code generation, error fixing, and best practice guidance. Developer documentation is at docs.payermax.com/api.html?docName=New%20Version&docVer=v1.0&docLang=en.
What industry is PayerMax in?
PayerMax's product category is Cross-Border Payment Processing. Its primary akta.pro industry code is FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 522320 and its SIC code is 6199.