RayoPay: Stablecoin Payments. Anywhere. Instantly.
RayoPay is a revolutionary payment system allowing your business to seamlessly accept USDC and USDT via simple QR codes. Experience global, low-cost, and instant transactions today.
Join Waitlist & Get Early AccessOur Vision
Our vision is to make crypto the default currency for everyday transactions, empowering businesses and individuals globally with accessible, low-cost financial tools.
The Challenge with Traditional & Crypto Payments
High Fees
Traditional payment systems often burden merchants with high transaction fees.
Complexity
Accepting crypto can be complex and daunting for everyday business transactions.
Global Access
Small merchants face barriers in accessing a global customer base easily.
Volatility
Price volatility of many cryptocurrencies makes them less ideal for commerce.
RayoPay: Your Simple Crypto Payment Solution
RayoPay provides a straightforward way for businesses to accept stablecoin payments (USDC and USDT) using dynamically generated QR codes. Our platform is non-custodial, ensuring you always control your funds. Merchants can easily manage transactions and view payment history through a dedicated dashboard.
RayoPay lets you accept and send crypto payments using just your phone. No hardware. No banks. Just scan and pay.
Key Benefits:
- Lower transaction fees compared to traditional card processors.
- Access a global customer base without geographical limitations.
- Near-instant settlement of funds directly to your wallet.
- POS-Ready: Turn any mobile device or tablet into a point-of-sale terminal.
- No technical barriers to start accepting crypto.
RayoPay in Action: Real-World Examples
Local Shops & Vendors
Ali, a fruit vendor in Nairobi, accepts RayoPay via QR code from local customers and tourists. He enjoys instant settlement and avoids high card processing fees, boosting his profits.
Freelancers & Creators
Maria, a graphic designer from Argentina, receives payments from international clients using RayoPay. She gets her funds in stablecoins quickly, bypassing slow bank transfers and unfavorable exchange rates.
Travelers & Global Citizens
John, a tourist exploring Southeast Asia, uses RayoPay to pay for local goods and services directly from his crypto wallet, experiencing transparent pricing and low fees without needing local currency for every transaction.
Why Choose RayoPay? Unlock Key Advantages
Drastically Lower Fees
Save significantly on transaction costs. Expect fees up to 80% lower than traditional card payments (e.g., ~1% vs 3-5%+).
Instant Global Settlements
Receive your funds directly in your wallet within seconds, not days. Access your capital faster from anywhere in the world.
No More Chargebacks
Eliminate the risk and costs associated with fraudulent chargebacks. All transactions are final and secure on the blockchain.
Simple & Accessible
Easy setup with no expensive hardware. Start accepting crypto payments with just your phone or tablet using our intuitive QR code system.
Reach More Customers
Tap into the growing global market of crypto users. Offer more payment choices and attract a wider customer base.
And much more to empower your business!
Powerful Features for Your Business
QR Code Invoicing
Create custom payment requests for easy customer payments.
Broad Wallet Compatibility
Works with MetaMask, Trust Wallet, Coinbase Wallet, and WalletConnect.
Merchant Dashboard
View income, track transactions, and manage refunds.
Supported Stablecoins
Primarily USDC, with support for USDT, for stable value transactions.
Enhanced Security
Non-custodial design and end-to-end encrypted communications.
Export Tools
Generate CSV/PDF reports for accounting and tax purposes.
Get Started in Minutes
Visualizing the Flow
The diagram above will illustrate the simple journey of a transaction, from QR generation to payment confirmation.
For Merchants
- Create your RayoPay account.
- Link your existing business wallet securely.
- Generate a static or dynamic QR code for your products or services.
- Accept stablecoin payments instantly at your point of sale or online.
For Customers
- Scan the QR code presented by the merchant using their preferred mobile wallet.
- Review the transaction details (amount, currency).
- Approve the transaction directly from their wallet.
- Payment confirmed in seconds!
A Glimpse of RayoPay
Below is a preview of our intuitive merchant dashboard and customer payment interface. We're focused on simplicity and efficiency.
Our Journey
We are continuously working to enhance RayoPay. Here's a glimpse of what's ahead:
- Q3 2025 Merchant Portal Alpha Release
- Q3 2025 Customer Checkout Beta Program
- Q4 2025 Public Launch of RayoPay Platform
- Q4 2025 Integration of Auto-Swap Feature (Convert crypto to fiat)
Stay tuned for more updates as we build the future of seamless crypto payments.
About RayoPay
RayoPay was founded by a passionate team of technologists and financial enthusiasts who believe in the power of cryptocurrency to revolutionize payments. We saw the potential for stablecoins to offer a more efficient, accessible, and global way for businesses and individuals to transact.
Our mission is to build the tools that make these benefits a reality for everyone. We are committed to transparency, security, and user-centric design in everything we do.
More details about our team and journey will be shared here soon.
Your Security & Trust are Paramount
Non-Custodial Control
You Own Your Keys: RayoPay is fully non-custodial. You have complete control over your funds and private keys at all times. We never have access to your assets.
Proven Technology
Powered by Stablecoins on Leading Blockchains: We leverage trusted stablecoins like USDC and USDT, primarily on secure and efficient networks such as Polygon, ensuring reliability and low transaction costs.
Secure Transactions
Encrypted & Secure: All sensitive data and communications related to your account and transaction processing are protected with robust, end-to-end encryption.
Blockchain Transparency
On-Chain Verification: Every transaction is recorded on the public blockchain, providing an immutable, transparent, and independently verifiable ledger of all payment activities.
Commitment to Audits
Smart Contract Audits: We are committed to security best practices. Our smart contracts (when applicable for future features) will undergo rigorous security audits by reputable third-party firms to ensure their integrity and your safety.
Ready to Embrace the Future of Payments?
Join our waitlist to get early access to RayoPay and be among the first to experience simple, secure stablecoin payments.
Get Early Access