bepay money
bepay money is a global payment infrastructure platform combining TradFi and Web3, offering non-custodial cross-border settlements, merchant crypto acceptance, and a consumer wallet with DeFi, staking, and tokenized-asset products across 100+ countries.
- Company typePrivate
- Founded2015
- HeadquartersSheridan, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What bepay money does
bepay money is a privately held global payment infrastructure platform that bridges traditional finance with decentralized finance, operating through a holding company (BEPAY FINTECH PRODUCTS HOLDING LTD) registered in the British Virgin Islands and six operational subsidiaries across Romania, the United States, Canada, India, Dubai, and Lithuania. The platform offers three core products: IGPS (Intelligent Global Payment System) for enterprise and SME cross-border settlements in 100+ countries; the bepay money Personal Wallet App, a non-custody crypto wallet for individuals supporting DeFi yield farming, staking, tokenized real estate and gold, and Bitcoin-backed loans; and bepay business, a merchant platform with Shopify, WooCommerce, and Magento plugins that accepts crypto and settles across multiple currencies. Additional offerings include the bepay RuPay Credit Card (India/UPI market), the bepay Foundation CSR initiative, and a $1 Million Bitcoin Rewards Program launched in October 2025.
The company generates revenue primarily through transaction fees (as low as 0.5% for business users and 0.015% base fee for exchange orders), bank account opening fees (EUR 20 per account), fixed deposit products offering 9% returns, and interchange revenue from UPI credit card cashback at 7%. It targets exporters and importers, SMEs and enterprises, service providers, marketplace sellers, global payroll operators, freelancers and agencies, and individual consumers — addressing pain points around high cross-border fees, slow settlement times, multi-currency treasury complexity, and the integration gap between TradFi and Web3.
Regulatory and compliance is a defining feature of the business. bepay money holds ISO 27001, SOC 2, PCI DSS, ISO 20022, and ISO 9001 certifications, alongside multi-jurisdictional registrations including VASP (EU/Romania/Lithuania), MSB in the US and Canada, PSP in Canada, and RBI PA-CB authorization in India. It is positioned as MiCA-ready and compliant with DORA, GDPR, CCPA, DPDP, and AML/CFT frameworks. The company employs 11–50 staff, serves roughly 20,000+ individual users and 1,000+ business merchants, and pursues a hybrid go-to-market combining self-serve product-led growth, enterprise field sales, and event-driven positioning at industry forums such as Invest Web3, Invest Digital Assets, and Bitcoin 2140 in Dubai.
bepay money firmographics
Firmographics- Name
- bepay money
- Legal name
- BEPAY FINTECH PRODUCTS HOLDING LTD
- Website
- https://bepay.money
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- bepay money is a global payment infrastructure platform combining TradFi and Web3, offering non-custodial cross-border settlements, merchant crypto acceptance, and a consumer wallet with DeFi, staking, and tokenized-asset products across 100+ countries.
- Ownership category
- akta.pro rank
bepay money industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- Cross-Border & FX Payments Platforms (BPAMAFAK), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), International / Multi-Currency Wallets (FSAMAEAL), Cross-border Payments & FX for E-commerce (CRAFALAF), Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)
Keywords
Where bepay money is headquartered
LocationHeadquarters
- HQ city
- Sheridan
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
bepay money business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees: Primary revenue stream from transaction processing fees. Business transaction fees as low as 0.5%, with exchange orders at 0.015% base fee.
- Banking Services: Revenue from bank account opening fees (EUR 20 per account) and fixed deposit products offering 9% returns
- Cashback Programs: Cashback revenue from UPI credit card transactions at 7% cashback rate, generating interchange revenue
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Business Transaction Pricing |
| Transaction based/ take rate | Pay-as-you-go | Exchange Orders |
| Unit Pricing | One time/ perpetual license | Bank Account Opening |
| Other | Pay-as-you-go | Fixed Deposits |
| Other | Pay-as-you-go | UPI Credit Card Cashback |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
bepay money product offering
Product offeringCore offering
bepay money is a global payment infrastructure platform that enables cross-border payments, merchant commerce, and digital asset settlements using blockchain-based DLT technology. It offers a unified ecosystem comprising IGPS for enterprise cross-border payments, a personal non-custodial wallet app, and a merchant platform for accepting crypto and fiat payments. The platform bridges traditional finance (TradFi) with Web3 capabilities across 100+ countries with multi-currency support.
Product overview
bepay money is a next-generation payment infrastructure platform that bridges traditional finance with decentralized economies. The platform operates as a unified ecosystem comprising three core products: (1) IGPS (Intelligent Global Payment System) - the cross-border payment infrastructure enabling multi-currency settlements across fiat, stablecoins, and tokenized assets; (2) bepay money Personal Wallet App - a self-custody crypto wallet enabling users to earn, spend, and grow wealth through DeFi yield farming, staking, cashback rewards, and tokenized assets (real estate, gold, equity, bonds, energy); and (3) bepay business (Merchant Platform) - enabling merchants to accept crypto payments with instant settlement, treasury management, and e-commerce integrations (Shopify, WooCommerce, Magento). Additional offerings include the bepay RuPay Credit Card (for India/UPI market), Bitcoin-backed loans, cross-border remittance services, and the bepay Foundation CSR initiative. The platform is non-custodial, meaning users retain full control of their private keys and digital assets.
Differentiator
Problem solved
Functional benefit
Brands
- IGPS: Intelligent Global Payment System - cross-border payment infrastructure for businesses enabling multi-currency accounts, instant settlements, and compliance automation.
- bepay Foundation
Products and services
- IGPS (Intelligent Global Payment System)
Quantifiable outcome
- Transaction fees as low as 0.5% for business users
- +3 more outcomes
Companies that use bepay money
Customer profileNamed customers3 records
Segments7 records
Ideal customer profiles6 records
bepay money technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
bepay money partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and supporting.
- Giakaa CapitalcoreGiakaa Capital serves as an organizing partner for bepay money's events and forums, including the Invest Web3 Forum, Invest Digital Assets Forum, and Bitcoin 2140 Forum. The partnership focuses on co-hosting industry events and expanding market reach in the digital assets space.
- ShopifycoreNative plugin integration allowing Shopify merchants to accept international payments and settle cross-border transactions directly through the bepay money platform.
- WooCommercecorePlugin integration for WooCommerce online stores enabling international payment acceptance and multi-currency settlement capabilities.
- MagentocoreIntegration with Magento e-commerce platform for enterprise merchants requiring advanced cross-border payment solutions.
- XerosupportingAccounting software integration enabling automatic reconciliation and financial reporting for businesses using bepay money.
- QuickBookssupportingIntegration with QuickBooks for seamless accounting and bookkeeping for businesses managing international payments.
- SagesupportingSage accounting software integration providing financial management and reporting capabilities for enterprise customers.
- TravalasupportingTravel booking platform partnership enabling cryptocurrency and traditional payment options for travel bookings through bepay money infrastructure.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
bepay money competitors and assessment
Company assessmentDirect peers
- BitPay: Direct peer in crypto payment gateway and merchant acquiring. Both enable merchants to accept crypto and stablecoins with settlement in fiat, and offer Shopify/WooCommerce plugins.
- Ripple: Direct peer in cross-border payments using blockchain rails and stablecoin (RLUSD) settlement. Both target banks, payment service providers, and corporates needing faster, cheaper international settlement than SWIFT.
- Remitly: Direct peer in international money transfer and remittance, particularly for emerging-market corridors (India, Philippines, Africa). Both target individual senders and SMBs moving money across borders at lower cost than banks.
- Circle: Direct peer in stablecoin-based payments infrastructure (USDC) and cross-border settlement. Both offer enterprise-grade stablecoin payment rails and APIs, with Circle being significantly larger and more institutional.
- Payoneer: Direct peer in cross-border payments for SMBs, freelancers, and marketplace sellers. Both serve exporters, freelancers, and online sellers receiving payouts from international platforms like Amazon, Upwork, and Shopify.
- Coinbase Commerce: Direct peer in crypto payment acceptance for merchants with fiat settlement. Both target e-commerce merchants accepting stablecoin/Bitcoin payments via plug-ins for major platforms.
- Wise: Direct competitor in cross-border multi-currency payments for individuals and businesses. Both offer low-fee, multi-currency account and settlement infrastructure across many countries, with bepay adding a stablecoin/crypto layer.
- WorldRemit: Direct peer in cross-border remittance and digital payments, particularly strong in emerging markets (Africa, Asia, Latin America). Both target migrant workers and SMBs sending money internationally at lower cost than banks.
Broad incumbents
- PayPal: Broad incumbent in global digital payments, with Xoom for cross-border remittance and crypto features. Both offer multi-currency wallets and cross-border transfers for consumers and merchants.
- Stripe: Broad incumbent in global payment processing and merchant acquiring. Both serve global businesses with cross-border payment needs, but Stripe is a horizontal payments giant with much broader functionality and scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
bepay money social profiles
Digital presencebepay money compliance and trust
Trust signalCompliance17 records
bepay money financial estimates
Financial estimateRevenue estimate
Valuation estimate
bepay money leadership team
Management profileNumber of profiles
Profiles1 record
bepay money subsidiaries and ownership
Company hierarchySubsidiaries6 records
bepay money funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
bepay money 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 bepay money
What does bepay money do?
bepay money is a global payment infrastructure platform that enables cross-border payments, merchant commerce, and digital asset settlements using blockchain-based DLT technology. It offers a unified ecosystem comprising IGPS for enterprise cross-border payments, a personal non-custodial wallet app, and a merchant platform for accepting crypto and fiat payments. The platform bridges traditional finance (TradFi) with Web3 capabilities across 100+ countries with multi-currency support.
Is bepay money a public or private company?
bepay money is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was bepay money founded?
bepay money was founded in 2015. It employs 11 to 50 people.
Where is bepay money based?
bepay money is headquartered in Sheridan, United States, in the North America region.
How does bepay money make money?
Three revenue lines are on record. Transaction Fees are the primary driver. The others are banking Services and cashback Programs.
Who are bepay money's main competitors?
Direct peers on record are BitPay, Ripple, Remitly, Circle, Payoneer, Coinbase Commerce, Wise and WorldRemit. Broad incumbents are PayPal and Stripe.
Does bepay money have an API?
Yes. The bepay money interface facilitates user interaction with decentralised ledger technologies (DLTs) and third-party platforms through the utilisation of open-source public APIs. The platform supports REST APIs and SDKs for merchant integration. Business page mentions 'REST APIs, SDKs, and custom checkout links' for e-commerce platform integration (Shopify, WooCommerce, Magento). The Terms and Conditions state that interactions occur via 'open-source public APIs with decentralised ledger technologies and third-party platforms.'
What industry is bepay money in?
bepay money's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of BPAMAFAK, Cross-Border & FX Payments Platforms. Its NAICS code is 52232 and its SIC code is 6199.