PAGAMENTI GLOBALI.
METÀ DELLE COMMISSIONI.
STABLECOIN ISTANTANEO.
Accetta pagamenti in tutto il mondo con la metà delle commissioni delle carte. Converti istantaneamente in valuta locale o stablecoin.
+10K10,000+ merchants
trust Baynoy worldwide
across 2,400+ reviews
PCI DSS Level 1
No card · $1,000 sandbox
At Baynoy, we believe payments should be simple, secure, and accessible anywhere. Our mission is to give every business — clinic, freelancer, agency, creator — enterprise-grade tooling at half the fee, with stablecoin complexity tucked behind the scenes.
10M+
Trusted by millions worldwide
$32.4M+
Transactions made in a month
99.9%
Uptime SLA target
Countries supported
100+
Send and receive money globally
Partner merchants
20K+
Cashback through our network
SMART AND EASY WAYS TO MANAGE YOUR MONEY WISELY
Managing money wisely is key to achieving financial stability and reaching your goals.
SAVING GOAL
Data from Mon 20 – Aug 27 2026
$2,390.00
Of $5,000
ACCELERATE YOUR SAVINGS GOALS EVEN FASTER TODAY
Achieve your financial dreams faster by focusing on smart saving strategies.
HOSTED CHECKOUT
Un checkout mobile-first e multilingua, dipinto con il tuo logo, colore e lingua.
- ✓Carte + Apple/Google Pay
- ✓SEPA, ACH, iDEAL, PIX
- ✓3D Secure 2.0
PONTE STABLECOIN
USDC, USDT, EURC, PYUSD su Solana, Base, Ethereum, Polygon e Tron — on/off-ramp automatico in fiat.
- ✓Routing multi-chain
- ✓On/off-ramp automatico
- ✓Conforme Travel Rule
WIDGET E PLUGIN
Embed di una riga per widget di prodotto, donazione e abbonamento. WordPress, Shopify, Webflow.
- ✓Singolo prodotto
- ✓Donazione / mance
- ✓Embed-checkout
MOTORE MULTI-VALUTA
Prezzi in 30+ valute, i clienti pagano nella loro, tu incassi nella tua.
- ✓Markup FX 0,5%
- ✓Tasso bloccato 5 min
- ✓Regole di auto-conversione
PAGAMENTI
Invia a IBAN, ACH, wallet USDC o un altro account Baynoy — la via più veloce o più economica.
- ✓Pagamenti CSV / API in massa
- ✓USD/EUR/TRY in banca
- ✓Fase 2: Paghe
STRUMENTI PER SVILUPPATORI
API enterprise, OpenAPI 3.1, SDK in JavaScript / Python / PHP / Ruby / Go.
- ✓Sandbox + carte test
- ✓Webhook firmati HMAC
- ✓Chiavi di idempotenza
How money moves
ONE FLOW. ANY RAIL.
HALF THE FEE.
From any payment method on the left, through Baynoy, to any settlement rail on the right — with locked-rate FX and transparent fees.
ANY METHOD
Customer charged
€1,250.00
Berlin · Card
- 💳
Card
Visa, MC, Amex, 3DS
- 🍎
Apple / Google Pay
Saved on phone
- 🪙
USDC
Solana · Base · Ethereum
- 🏦
SEPA / ACH / PIX
Local rail
WE PROCESS
Processed in
1.4s
p95 latency
Lock FX rate
5-minute guarantee
3D Secure + OFAC
Fraud + sanctions screen
Multi-chain bridge
Stablecoin routing
Convert + settle
0.5% FX markup
ANY RAIL
Settled to bank
₺48,230.50
Garanti BBVA · 1 day
- 🏦
Bank (IBAN/ACH)
TRY, EUR, USD…
- 💎
USDC wallet
Any supported chain
- ♻️
Hold balance
Convert later
- 🚀
Auto-rules
Split, schedule, threshold
Card domestic
2.4% + $0.20
USDC / stablecoin
0.5% flat
FX markup
0.5% (locked 5 min)
Bank payout
$0.25 · USDC $0.50
Come funziona
IN PRODUZIONE IN TRE PASSI
KYC, conto bancario, checkout — in meno di 30 minuti.
01
ISCRIVITI E VERIFICA
Registrati con email o Google / Apple. Tier 1 in 5 minuti con documento + selfie, Tier 2 con verifica bancaria — limite $100K/mese.
02
SCEGLI IL TUO BINARIO DI PAGAMENTO
Payment Link, Hosted Checkout, Widget o API — scegli quello che ti serve, senza codice o integrazione completa.
03
IL CLIENTE PAGA, TU SCEGLI IL PAGAMENTO
Il cliente paga con carta o USDC. Tu decidi: pagare TRY in banca, tenere EUR o inviare USDC al wallet.
466K+
Daily transactions
10M+
User downloads
350K+
Global users
FAQs
FREQUENTLY ASKED QUESTIONS
WHAT TYPE OF BUSINESSES DO YOU WORK WITH?⌄
We partner with startups, small businesses, and established enterprises across industries — customizing solutions based on your unique challenges and goals.
HOW LONG DOES ONBOARDING TAKE?⌄
Tier 1 verification is automatic in 5 minutes. Tier 2 — required for higher monthly limits — takes 1–24 hours after submission.
WHERE DO MY FUNDS LAND?⌄
Any IBAN, ACH or wire account in your name, or a USDC wallet on Solana, Base, Ethereum or Polygon.
HOW DO I GET STARTED?⌄
Create a free account, complete Tier 1 verification, and integrate via widget, payment link or our API — usually live in under 30 minutes.
Prezzi
UN PIANO CHE CRESCE CON TE
30 giorni di Pro gratis · Nessuna carta · Cancella quando vuoi.
STARTER
3% + $0,30 per transazione con carta
Per iniziare. Badge "Powered by Baynoy" obbligatorio.
- ✓Hosted Checkout + link di pagamento
- ✓Widget base (3 tipi)
- ✓Accetta USDC
- ✓Supporto email (SLA 48h)
PRO
2,4% + $0,20 per transazione con carta
Per business in crescita. Rimuovi badge, personalizza widget.
- ✓Tutto in Starter
- ✓Rimuovi il badge
- ✓Ricorrenti e abbonamenti
- ✓Email + chat (SLA 24h)
- ✓Priorità webhook e API
BUSINESS
2,0% + $0,20 per transazione con carta
Per team. Pagamenti di massa, ruoli.
- ✓Tutto in Pro
- ✓Pagamenti di massa (CSV + API)
- ✓Team e ruoli
- ✓Report fiscali (1099-K, VAT MOSS)
- ✓Chiamata di supporto pianificata (SLA 8h)
ENTERPRISE
Tariffe personalizzate, white-label
Per grandi volumi. Infrastruttura dedicata + account manager.
- ✓Tutto in Business
- ✓White-label / co-brand
- ✓Slack dedicato + CSM
- ✓SLA personalizzato (1h)
- ✓Contratto e termini su misura
