How is Payonite different from regular on/off-ramp providers?
Traditional providers offer one set of fees, assets, and jurisdictions.
Payonite’s proprietary SMART routing engine aggregates multiple providers and automatically selects the best one per transaction, based on fees, asset availability, risk rules, supported countries, and more.
Is Payonite a payment gateway or a custodian?
No. Payonite is not a payment gateway and not a custodian.
We provide infrastructure, not financial custody. All funds are processed and settled through regulated, licensed partners.
Who is Payonite built for?
Any business needing crypto ↔ fiat flows
Exchanges
Wallets
Fintechs
Payment platforms
PSPs
Marketplaces
DApps
Does Payonite support both retail (B2C) and business (B2B) flows?
Our core model is B2B, powering your users’ transactions through your interface.
We do not offer direct-to-consumer retail services at this time.
On/Off-Ramp Questions
Which currencies do you support?
We aggregate multiple regulated providers, each with different asset lists - allowing access to hundreds of fiat and crypto pairs globally.
(Full list available in the “Supported Currencies” section.)
Which countries do you support?
Coverage depends on each partner’s licensing & risk rules.
Our aggregation allows access to the broadest combined coverage of any single provider.
(Full list available in the “Supported Countries” section.)
How does your SMART routing engine work?
The engine evaluates all available providers in real time based on:
Fee levels
Spread
Liquidity
Supported networks
Country/regional restrictions
KYC/KYB requirements
Risk scoring
Settlement expectations
The system then selects the optimal provider for that specific transaction.
Do you support fiat → crypto and Crypto → Fiat?
Yes - Payonite fully supports both directions:
Fiat → Crypto: cards, bank transfers, EMI accounts
Crypto → Fiat: payouts, settlements, EMI rails
Compliance & Security Questions
Do you provide KYC/KYB?
Yes. Payonite offers Hosted KYB/KYC for businesses.
We collect the data once and route it to the selected provider as needed.
Is Payonite regulated?
Payonite operates as a technology provider, while all financial flows are executed by fully regulated EMIs, VASPs, MSBs, and global ramp partners.
This ensures compliance is handled by the appropriate licensed entities.
Who holds the funds?
Funds are never held by Payonite.
They are always processed and settled directly by our regulated partners.
Is Payonite secure?
Yes - our infrastructure is built with:
ISO/SOC-grade security controls
Data encryption at rest and in transit
Zero-custody architecture
Secure vaulting for sensitive KYB/KYC data
Pricing & Fees
How much does Payonite cost?
Pricing depends on usage, volume, and optional features.
We typically charge a small markup per transaction, and enterprise clients can negotiate custom rates.
Are there extra provider fees?
Yes - each connected provider has its own fee structure.
Our system automatically compares them and selects the lowest-cost route.
Do you offer enterprise pricing?
Yes. Volume-based and enterprise packages are available.
Contact Sales
Do you impose any restrictions on merchant categories?
We support all sectors and risk levels (low-medium-high), but final approval depends on passing:
KYC/KYB verification
Enhanced due-diligence (EDD) for high-risk sectors
Proof of business legitimacy
Transaction monitoring compatibility
Our goal is to enable as many legitimate businesses as possible, with transparent risk assessment.
Is there a different pricing model for high-risk sectors?
Yes. High-risk businesses typically involve:
Higher chargeback exposure
Increased fraud monitoring
More stringent compliance reviews
Dedicated account management
Because of this, high-risk verticals may have adjusted pricing, settlement cycles, and rolling reserve structures. However, we still aim to keep these extremely competitive compared to standard high-risk PSPs.
Technical & Integration Questions
How hard is the integration?
Integrating Payonite is designed to be easy:
A single API
SDKs in multiple languages
Step-by-step guides
Sandbox environment
Webhooks included
How long does it take to go live?
Most businesses go live within 24-72 hours, depending on your KYB review and integration complexity.
Do you offer dashboards?
Yes - Payonite offers an operator dashboard for:
Transactions
Settlements
Routing performance
API keys
Compliance statuses
Wallet balances
Provider-level analytics
Reporting & exports
Can we customize the user experience?
Absolutely.
You can use our hosted flows or integrate everything natively via API.
White Label
Can partners embed our services directly into their own platform?
Absolutely. Through our API-first architecture, partners can embed:
On/off-ramp flows
Hosted payment widgets
Payout infrastructure
Compliance modules
SMART routing logic
This allows PSPs, exchanges, and large merchants to deliver the entire user journey without redirecting customers.
Business & Operations Questions
Do you offer customer support?
Yes - support is offered through:
Email
Live SLA for enterprise partners
Integration support
Emergency routing incident notifications
Onboarding Questions
What documents are required for KYB?
Typically:
Certificate of incorporation
Shareholder structure
ID of UBOs
Proof of address
Business description
Website/app link
(Some providers may require additional information.)
How long does KYB approval take?
Usually 24-72 hours, mostly depending on your region and industry.
Do we need to manage multiple KYBs for multiple providers?
No.
You complete KYB once - Payonite syncs it with each provider automatically as needed.