PengoPay

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PengoPay is a stablecoin payment infrastructure that enables businesses and freelancers to receive payments globally without friction. It supports USDT/USDC and offers local currency settlement through licensed off-ramp providers.

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At a glance

Pricing

Paid

Free tier

API

Skill level

Mixed

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About

What is PengoPay?

PengoPay provides a professional and secure way for individuals and companies to accept stablecoin payments globally. It eliminates the complexities of traditional banking by offering real-time global settlement with stablecoins like USDT and USDC, significantly reducing transaction costs. The platform is non-custodial, meaning users maintain full control over their assets through self-custodial wallets. Key features include easy invoice creation, a professional payment site, and robust KYT & AML checks to ensure asset security. PengoPay is designed for global companies and freelancers, allowing them to settle payments in their local currency via licensed third-party off-ramp providers, though services are not available in all jurisdictions, including the US and Mainland China.

Best used for

Ideal for freelancers and small business owners who need to accept stablecoin payments globally, reduce transaction fees, and ensure compliant financial operations. Especially valuable for those serving overseas customers and seeking a non-custodial payment solution.

Common actions

receive stablecoin payments

settle international payments

create invoices

manage global income

paymentsfintechWeb3

Capabilities

Key features

Accept USDT/USDC
Local currency settlement
Create invoices
Professional payment site
KYT & AML checks
MPC self-custodial security

Target Audience

freelancersmall business owner

Integrations

Not yet documented

Pricing & Plans

Paid

Free and Pro plans available. Check pengopay.com for current pricing.

FAQs

What stablecoins can I accept with PengoPay?

PengoPay allows you to accept payments in both USDT (Tether) and USDC (USD Coin). These are widely used stablecoins, providing flexibility for your clients to pay you digitally and securely.

How does PengoPay handle local currency settlement?

PengoPay partners with licensed off-ramp providers to facilitate the settlement of your stablecoin earnings into your local fiat currency. This ensures you can easily convert your digital assets into usable funds in your bank account.

Is PengoPay available in the United States or Mainland China?

No, PengoPay's services are currently not available to users located in certain jurisdictions, including the United States and Mainland China. Users should check the terms of service for a full list of restricted regions.

What is the pricing for PengoPay's Pro Account?

The Pro Account costs $199 per year, with an additional 0.1% transaction fee. There's a 'pay-after-you-earn' model, meaning the annual fee is only charged if a single transaction is ≥ 200 USDT/USDC, and no charges if you don't receive payments.

Does PengoPay hold my stablecoin assets?

No, PengoPay is a non-custodial platform. It does not hold, control, or manage user stablecoin assets. All payments are initiated and executed directly by users through their own self-custodial wallets, ensuring you retain full control.

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