Paydify
Paydify is a Hong Kong-based stablecoin payment infrastructure provider that enables merchants to accept and disburse USDC and USDT across six blockchains through one API, serving e-commerce, gaming, SaaS, and PSP clients with built-in KYT/KYA compliance.
- Company typePrivate
- Founded2025
- Headquarters—
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Paydify does
Paydify, operated by DCS Group and governed under Hong Kong law, is a stablecoin payment infrastructure provider that enables merchants to accept and disburse USDC and USDT across six blockchains (BNB Chain, Tron, Ethereum, Solana, Base, and Morph) through a single REST API integration. The platform is structured as a modular Platform-as-a-Service with three primary product surfaces: a core pay-in and pay-out engine supporting integration via CKP Checkout, Deeplink, or QR Code; a built-in Compliance Controls module providing KYA/KYT screening (Screen), cross-hop fund flow auditing (Trace), continuous risk monitoring (Monitor), and real-time blacklist and risk-score updates (Respond); and a self-serve Merchant Portal for operational management. Technical components include HMAC-SHA256 API authentication, MPC-TSS on-chain custody with insolvency protection, server-side SDKs in Java, Go, PHP, Python, and TypeScript, a sandbox environment, and webhook callbacks with up to seven retries. Pre-built integrations span 14+ Web3 wallets (MetaMask, Trust Wallet, Phantom, Coinbase Wallet, Base Wallet, OKX Wallet, Rainbow, TokenPocket, imToken) and 6 major centralized exchanges (Binance, Bitget, Bybit, KuCoin, Gate.io, OKX), granting merchants access to hundreds of millions of crypto users through one integration.
The company's revenue model is currently zero-fee promotional with transaction-based take rates planned for the post-promotional period, supplemented by non-refundable usage-based KYT/KYA screening fees and gas/network pass-throughs. Go-to-market combines an API-first developer motion (sandbox, multi-language SDKs, comprehensive documentation in English and Chinese) with enterprise field sales gated behind KYC onboarding, sandbox testing reports, and IP allowlisting. Distribution extends through channel partnerships with wallet and exchange providers, integration with website builders (Shopyy, Shoplus), and a PSP partner program allowing institutional resellers to white-label the infrastructure. Customer segmentation is horizontal across e-commerce, GameFi, live streaming, SaaS, creator economy, offline retail, travel and hospitality, digital content/education, and PSPs. Fiat pay-in and pay-out, custody, and exchange services are delivered through licensed partner institutions whose infrastructure holds SOC 2 Type II, ISO 27001/27017/27018/22301, and C4 CCSS Level 3 certifications.
Paydify reports 1-10 employees, was founded in 2025, has no publicly disclosed funding, revenue, management team, or named customers, and operates under geographic restrictions that exclude the United States, Hong Kong, Singapore, Canada (Alberta), and numerous sanctioned jurisdictions. Service-level commitments include 99.99% platform availability and API response times under 0.1 seconds. Stated differentiators are no-custody P2P transaction flow, instant stablecoin settlement at exact price matching, no chargebacks, and built-in compliance — positioned against traditional card networks and PSPs rather than against single-chain crypto payment competitors.
Paydify firmographics
Firmographics- Name
- Paydify
- Legal name
- DCS Group
- Website
- https://paydify.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Paydify is a Hong Kong-based stablecoin payment infrastructure provider that enables merchants to accept and disburse USDC and USDT across six blockchains through one API, serving e-commerce, gaming, SaaS, and PSP clients with built-in KYT/KYA compliance.
- Ownership category
- akta.pro rank
Paydify industry classification
Industry- Product category
- Crypto Payment Gateway
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
Keywords
Paydify business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees: Transaction fees charged on crypto payments. Currently in promotional period with zero transaction fees. After promotional period, fees remain significantly lower than traditional payment gateways.
- Service Fees: Service fees for payment processing, settlement, and platform usage. Refundable proportionally to refund amount. Non-refundable portions include KYT/KYA on-chain screening fees.
- KYT/KYA Screening Fees: On-chain screening fees for Know Your Transaction and Know Your Address compliance checks. Charged per transaction and non-refundable once executed.
- Network Gas Fees: Blockchain gas fees for on-chain transactions. Deducted from withdrawal amounts by default (amount represents recipient receives, Paydify charges amount + gas from balance). Non-refundable for user-initiated DEX gas.
- Processing Fees: Processing fees for fiat withdrawals and settlements. Deducted from balance when transactions fail due to recipient details errors (fail fee).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Promotional Zero-Fee Period |
| Transaction based/ take rate | Pay-as-you-go | Standard Rates (Post-Promotional) |
| Usage-based | Pay-as-you-go | KYT/KYA Screening Fees |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Paydify product offering
Product offeringCore offering
Paydify is a cryptocurrency payment gateway that enables businesses to accept stablecoin payments through a Platform-as-a-Service (PaaS) offering covering Payin and Payout flows. The platform supports multiple blockchain networks and consumer wallets, and includes compliance controls (KYT/KYA screening), a self-serve merchant portal, SDKs, and integration options including CKP Checkout, deeplinks, and QR codes.
Product overview
Paydify is a crypto payment technology layer structured as a platform-plus-modules architecture. The core is the Platform-as-a-Service product covering pay-in (stablecoin collection via CKP Checkout, Deeplink, or QRCode integration) and pay-out (Crypto Withdraw and Fiat Withdraw for disbursements). Compliance Controls is a built-in add-on module providing KYT/KYA screening (Screen), fund-flow auditing (Trace), continuous risk monitoring (Monitor), and real-time response (Respond). Self-Serve Tools (Merchant Portal) provides a dashboard for day-to-day operations. Server-side SDKs (PayIn and PayOut) and a sandbox environment support developer integration. The platform supports USDC and USDT across BNB Chain, Tron, Ethereum, Solana, Base, and Morph.
Differentiator
Problem solved
Functional benefit
Products and services
- Paydify Platform-as-a-Service (PayIn + PayOut) Platform-as-a-Service offering that enables merchants to accept stablecoin payments (PayIn) and disburse funds (PayOut) across multiple blockchain networks and consumer wallets. Designed for e-commerce, GameFi, SaaS, live streaming, and PSP customers.
- CKP Checkout A checkout integration option for merchants to accept stablecoin payments through the Paydify platform.
- Merchant Portal Self-serve portal that allows merchants to manage their Paydify integration, transactions, and account settings.
- Sandbox Environment Testing environment that allows developers and merchants to integrate and test payment flows against Paydify before going live.
Quantifiable outcome
- Transaction fees significantly lower than traditional payment gateways after promotional period
- +3 more outcomes
Companies that use Paydify
Customer profileSegments9 records
Ideal customer profiles2 records
Paydify technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature10 records
Paydify partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core.
- BinancecoreMajor CEX integration enabling Binance users to pay merchants through Paydify. Binance exchange and Binance Wallet supported. Access to Binance's extensive user base for Paydify merchants.
- BitgetcoreIntegration with Bitget exchange and Bitget Wallet for crypto payments. Enables Bitget users to pay at Paydify merchants.
- BybitcoreBybit exchange integration for Paydify crypto payment acceptance. Connects Bybit user base to Paydify merchants.
- KuCoincoreKuCoin exchange integration enabling crypto payments from KuCoin users to Paydify merchants.
- Gate.iocoreGate.io exchange integration for Paydify crypto payment ecosystem. Connects Gate.io user base to Paydify merchant network.
- OKXcoreOKX exchange and OKX Wallet integration for Paydify payments. Enables OKX ecosystem users to pay at merchants. OKX marked as Coming Soon in some sources.
- MetaMaskcoreLeading Web3 wallet integration supporting TRON blockchain payments. Major self-custody wallet reaching millions of DeFi and Web3 users.
- Trust WalletcorePopular mobile Web3 wallet integration. Trust Wallet by Binance enables crypto payments from its large mobile user base.
- PhantomcoreSolana ecosystem wallet integration. Phantom wallet enables SOL and SPL token payments for Paydify merchants.
- Coinbase WalletcoreCoinbase's self-custody Web3 wallet integration. Connects Coinbase user base to Paydify merchant payments.
- Base WalletcoreCoinbase's Layer 2 wallet integration supporting Base network transactions for Paydify merchants.
- Licensed Partner InstitutionscoreRegulated partners handling fund custody, fiat pay-in/pay-out, fiat exchange, and client fund management. Licensed institutions provide regulated services while Paydify provides unified payment experience and technical access.
- SOC 2 Type II Certified PartnerscorePartners maintaining SOC 2 Type II, ISO 27001/27017/27018/22301, and C4 CCSS Level 3 certifications for enterprise-grade security architecture.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Paydify competitors and assessment
Company assessmentDirect peers
- BitPay: Long-standing crypto payment processor for merchants, supporting BTC, ETH, and stablecoins with fiat settlement. Directly comparable in merchant onboarding, multi-coin acceptance, and API-driven integration.
- CoinsPaid: Crypto payment processor and on/off-ramp provider with merchant acquiring, mass payouts, and licensed custody. Comparable in offering integrated pay-in, pay-out, and compliance tooling for crypto-native merchants.
- Coinbase Commerce: Coinbase's merchant crypto payment gateway accepting USDC and other crypto across multiple networks. Directly comparable product targeting the same e-commerce, SaaS, and creator merchant segments with a hosted checkout and API.
- TripleA: Licensed crypto payment gateway providing merchants with fiat settlement from crypto payments. Comparable target market and similar emphasis on regulatory compliance and fiat conversion.
- NOWPayments: Crypto payment gateway offering multi-coin acceptance, mass payouts, and fiat off-ramp for merchants. Closely comparable feature set including CKP-style checkout, mass payouts, and broad coin support.
- Alchemy Pay: Hybrid crypto-fiat payment network enabling merchants to accept crypto and settle in fiat across multiple chains. Directly comparable in addressing merchant crypto acceptance with regulatory licensing emphasis.
Others
- Circle: USDC issuer and programmable money infrastructure provider; not a direct competitor but an ecosystem partner whose stablecoin and developer APIs shape the addressable market Paydify serves.
Emerging players
- BTCPay Server: Open-source, self-hosted crypto payment processor popular with crypto-native merchants. Partial overlap on payment acceptance and API, but distinct in deployment model and lack of managed compliance/hosted checkout.
Broad incumbents
- Stripe (Crypto): Major traditional payments incumbent adding stablecoin (USDC) acceptance capabilities. Competes for the same merchant checkout, but as part of a much broader fiat-first platform rather than a crypto-native specialist.
- Binance Pay: Exchange-embedded crypto payment service from Binance for merchant acceptance and P2P transfers. Overlaps in multi-wallet settlement and merchant API, but tied to a single exchange ecosystem rather than a multi-wallet aggregator.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Paydify social profiles
Digital presencePaydify compliance and trust
Trust signalCompliance6 records
Paydify financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paydify leadership team
Management profileNumber of profiles
Paydify funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paydify 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 Paydify
What does Paydify do?
Paydify is a cryptocurrency payment gateway that enables businesses to accept stablecoin payments through a Platform-as-a-Service (PaaS) offering covering Payin and Payout flows. The platform supports multiple blockchain networks and consumer wallets, and includes compliance controls (KYT/KYA screening), a self-serve merchant portal, SDKs, and integration options including CKP Checkout, deeplinks, and QR codes.
Is Paydify a public or private company?
Paydify is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Paydify founded?
Paydify was founded in 2025. It employs 1 to 10 people.
How does Paydify make money?
Five revenue lines are on record. Transaction Fees are the primary driver. The others are service Fees, KYT/KYA Screening Fees, network Gas Fees and processing Fees.
Who are Paydify's main competitors?
Direct peers on record are BitPay, CoinsPaid, Coinbase Commerce, TripleA, NOWPayments and Alchemy Pay. Circle is listed as an others. BTCPay Server is listed as an emerging player. Broad incumbents are Stripe (Crypto) and Binance Pay.
Does Paydify have an API?
Yes. Paydify offers a public REST API covering payin (createPayment, getPaymentStatus, createRefund, getRefundStatus, getSettlementFiles), payout (wallet address/balance, withdraw apply/detail, batch apply/query, fiat-withdraw quote/apply/cancel/list/detail), and webhook notifications. Authentication uses HMAC-SHA256 with x-api-key, x-api-timestamp, and x-api-signature headers. A sandbox environment is available at api.paydify-sandbox.com; production runs at openapi.paydify.com. Multi-language server-side SDKs are provided (Java, Go, PHP, Python, TypeScript). The platform supports webhook callbacks with a retry mechanism (up to 7 attempts at 1m/5m/30m/2h/6h/12h/24h intervals). Developer documentation is at paydify.com/en/docs/paydify/guides/gettingStarted/overview.
What industry is Paydify in?
Paydify's product category is Crypto Payment Gateway. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 52232 and its SIC code is 6199.