CPAY

Crypto Payment Processingcpay.world

CPAY (CPAY.World ltd) is a Chicago-based software company providing non-custodial crypto payment gateway, multichain wallet, and compliance infrastructure (KYC/AML, subscriptions, white-label) to merchants and Web3 projects across global markets.

Company typePrivate
Founded2020
HeadquartersChicago, United States
Headcount1–10
GTM typeB2B
OfferingSoftware

What CPAY does

CPAY (legal entity CPAY.World ltd) is a Chicago-based, privately held software company building non-custodial crypto payment infrastructure for merchants and Web3 projects. Its core platform consists of a Crypto Payment Gateway that accepts USDT, USDC, Bitcoin, Ethereum, and 100+ cryptocurrencies across all major EVM networks through a single unified wallet address, paired with a multichain non-custodial Wallet available on web, Android, and iOS. The architecture is decentralized by design — merchants and end users retain custody of private keys, and the stack supports webhooks, iFrame embedding, an open REST API, and smart contract-based automation for recurring subscriptions and mass payouts. The product suite extends the gateway into adjacent modules: KYC/AML verification via Regula (covering 4,000+ document types across 240 countries), Crypto Accounting for multi-wallet financial tracking, Crypto Multisend for batch payouts, Market Data, Crypto as a Service (CaaS), Wallet as a Service (WaaS), and a Crypto Wallet API for developer embedding. Distribution is API-first and product-led, with checkout links, self-serve signup at app.cpay.world, a WooCommerce plugin for SMB merchants, Calendly-driven enterprise sales for white-label deployments, and an English/Spanish bilingual site. The company operates with 1-10 employees, reports 50+ business clients and 100,000+ end users, and claims 4 million+ processed transactions; no funding rounds, ownership structure, financial results, or management team have been disclosed.

CPAY firmographics

Firmographics

Name: CPAY
Legal name: CPAY.World ltd
Website: https://cpay.world
Company type: Private
Founded year: 2020
Operating status: Operating
Headcount range: 1–10 employees
Short description: CPAY (CPAY.World ltd) is a Chicago-based software company providing non-custodial crypto payment gateway, multichain wallet, and compliance infrastructure (KYC/AML, subscriptions, white-label) to merchants and Web3 projects across global markets.
Ownership category
akta.pro rank

CPAY industry classification

Industry

Product category: Crypto Payment Processing
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
SIC: Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)
akta.pro primary industry: Crypto Payment Gateways & Checkout APIs (FSADAIAA)
akta.pro secondary industries: Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Settlement, Reconciliation & Merchant Treasury Tools (Crypto) (FSADAIAK), Invoice, Billing & Subscription Payments (Crypto) (FSADAIAG)

Keywords

Crypto payment gateway
Non-custodial wallet
Crypto payment processing
Kyc aml verification
White-label crypto infrastructure

Where CPAY is headquartered

Location

Headquarters

HQ city: Chicago
HQ country: United States
HQ region: North America

Offices1 record

Markets served

CPAY business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

Crypto Payment Processing: Sub-1% transaction fee on incoming crypto payments from checkouts. Fee can be lower based on volume. Primary revenue stream.
KYC/AML Verification Services: $0.2 per verification check when AML/KYC verification is completed. API-based service with usage-based pricing.
White Label Solutions: Branded crypto payment gateway and wallet solutions sold to businesses wanting to deploy under their own brand with customization and ongoing support.
Additional Markup on Transactions: Businesses using Wallet API can charge customizable transaction fees to end customers, markup feature for revenue generation.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Standard Payment Processing
Usage-based	Pay-as-you-go	KYC Verification Checks
Transaction based/ take rate	Pay-as-you-go	Crypto Wallet Usage

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

CPAY product offering

Product offering

Core offering

CPAY provides a non-custodial crypto payment infrastructure platform that enables businesses to accept cryptocurrency payments via a unified payment gateway, manage digital assets through multi-chain wallets, and integrate compliance tooling (KYC/AML). Its core offerings include a Crypto Payment Gateway supporting 100+ cryptocurrencies across EVM networks, a multichain Crypto Wallet, Wallet-as-a-Service (WaaS) and Crypto-as-a-Service (CaaS) APIs, automated KYC/AML verification, recurring crypto subscriptions, batch payouts, and full white-label deployment options for enterprises.

Product overview

CPAY is a non-custodial crypto payment platform providing a full suite of Web3 financial infrastructure products. The core offering consists of the Crypto Payment Gateway for accepting crypto payments and the Crypto Wallet for asset management, both built on a decentralized, non-custodial architecture. These core products are supplemented by add-on modules including KYC/AML verification services, Crypto Subscriptions for recurring payments, Crypto Accounting for financial tracking, Crypto Multisend for batch transfers, and Market Data. The platform also offers two white-label solutions (White Label Crypto Payment Gateway and White Label Crypto Wallet) for businesses wanting to brand CPAY's infrastructure. For developers, CPAY provides Wallet as a Service (WaaS) and a dedicated Crypto Wallet API for embedding wallet functionality into third-party applications. An official WooCommerce plugin extends accessibility to WordPress-based e-commerce stores.

Differentiator

Problem solved

Functional benefit

Products and services

Crypto Payment Gateway

Quantifiable outcome

4 million+ crypto transactions processed
+2 more outcomes

Companies that use CPAY

Customer profile

Named customers7 records

Segments9 records

Ideal customer profiles4 records

CPAY technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

CPAY partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core.

AMLBotcoreTechnology or IntegrationAML/KYT integration partner for anti-money laundering compliance verification within CPAY's compliance infrastructure.
WalletConnectcoreTechnology or IntegrationWalletConnect integration enables connection between CPAY wallets and decentralized applications in the Web3 ecosystem.
RegulacoreTechnology or IntegrationProvider of KYC verification technology used for document verification, face matching, and fraud detection across 4000+ document types in 240 countries.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

CPAY competitors and assessment

Company assessment

Direct peers

BitPay: One of the longest-standing crypto payment processors, offering merchant checkout, invoicing, and settlement in crypto or fiat. Competes head-on with CPAY in merchant payment gateway and API-first integration.
TripleA: Crypto payment gateway licensed in multiple jurisdictions, focused on merchants wanting compliant crypto acceptance. Comparable to CPAY's regulated-payments positioning with fiat settlement.
NOWPayments: Crypto payment gateway with broad coin coverage (200+), mass payouts, POS, and white-label solutions. Closely mirrors CPAY's product breadth across gateway, subscriptions, and white-label.
CoinGate: Merchant-focused crypto payment processor with POS, plugins (WooCommerce, Shopify), and fiat settlement. Directly comparable product surface to CPAY, especially around e-commerce plugins and APIs.
Coinbase Commerce: Coinbase's merchant crypto payment gateway, supporting major cryptocurrencies with checkout, APIs, and hosted invoices. Direct competitor to CPAY's Crypto Payment Gateway with substantially larger distribution and brand.
BTCPay Server: Open-source, self-hosted Bitcoin (and broader crypto) payment processor for merchants. Competes with CPAY's gateway on the self-custody / non-custodial merchant use case, particularly for technical users.
Alchemy Pay: Hybrid crypto-fiat payment network enabling merchants to accept both crypto and traditional payments globally. Comparable to CPAY's gateway plus fiat on/off-ramp capabilities, with broader geographic rails.

Emerging players

Transak: Crypto on-ramp and payment infrastructure provider with broad chain coverage and developer-first APIs. Comparable to CPAY's developer/API-first fiat-crypto integration layer, with broader chain support.

Broad incumbents

Stripe (crypto onramp/payments): Major payments incumbent with expanding crypto onramp capabilities and merchant tools. A broad incumbent whose moves into crypto payments directly threaten niche crypto-only gateways like CPAY.
Circle: Issuer of USDC stablecoin with growing merchant acceptance tooling and developer APIs. Overlaps with CPAY's stablecoin settlement and CaaS/WaaS ambitions as a much larger, broader platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

CPAY financial estimates

Financial estimate

Revenue estimate

Valuation estimate

CPAY leadership team

Management profile

Number of profiles

CPAY funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

CPAY M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CPAY

What does CPAY do?

Is CPAY a public or private company?

CPAY is a private company. It is classified as unknown and is currently operating.

When was CPAY founded?

CPAY was founded in 2020. It employs 1 to 10 people.

Where is CPAY based?

CPAY is headquartered in Chicago, United States, in the North America region.

How does CPAY make money?

Four revenue lines are on record. Crypto Payment Processing is the primary driver. The others are KYC/AML Verification Services, white Label Solutions and additional Markup on Transactions.

Who are CPAY's main competitors?

Direct peers on record are BitPay, TripleA, NOWPayments, CoinGate, Coinbase Commerce, BTCPay Server and Alchemy Pay. Transak is listed as an emerging player. Broad incumbents are Stripe (crypto onramp/payments) and Circle.

Does CPAY have an API?

Yes. CPAY offers an open REST API enabling developers to integrate crypto payment processing, wallet management, and subscription functionality. The API supports checkout generation, wallet creation, transaction processing, mass payouts, and real-time callbacks. Integration options include API, webhooks for real-time notifications, and iFrame embedding. Developers can customize payment flows and access full technical documentation at docs.cpay.world. Developer documentation is at docs.cpay.world.

What industry is CPAY in?

CPAY's product category is Crypto Payment Processing. Its primary akta.pro industry code is FSADAIAA, Crypto Payment Gateways & Checkout APIs, with a secondary code of BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 522320 and its SIC code is 6200.