Global payment infrastructure for fiat & crypto

Enable fiat and crypto flows, issue IBANs, and deliver card acquiring and merchant logic with built-in compliance and operations tooling.

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One platform. Every payment flow.

A modular payment platform connecting crypto and fiat acceptance, merchant operations, compliance and settlement in one infrastructure layer.

Multi-channel acceptance

Web widget, hosted checkout, QR invoices, POS terminals, and REST API

Broad asset coverage

Major cryptocurrencies and tokens across 40+ blockchains

Flexible settlement

Crypto, stablecoins (USDT/USDC), or fiat bank payout

Plug-in payment methods

On-chain, Binnace Pay, WalletConnect and others — modular plug-ins

Built-in compliance

KYC/KYB at onboarding, AML/KYT screening on every transaction

Reporting & notifications

Webhooks, email, SMS, Transaction reports and settlement history

By the numbers.

40+ blockchains

Bitcoin, Ethereum, Tron, BSC, Solana, Polygon and more

2000+ supported assets

ERC-20, TRC-20, SPL, BEP-20 tokens

1000+ TPS capacity

Transactions per second at peak load

<1s invoice generation

From request to payment-ready address

T+N fiat settlement

Configurable settlement cycle per merchant

99.9% uptime SLA

High availability with auto-scaling

Event-driven core

Configurable orchestration between services instead of synchronous API chains

Unified ledger

Multi-currency balance engine with atomic cross-rail operations

800+ API endpoints

REST, fully documented; 194 OAuth scopes for granular permissions

Real-time observability

Metrics, traces, and immutable audit for every transaction

99.99% target SLA

Multi-AZ, self-healing, automated failover

Proven at 50+ products

Europe, MENA, Central Asia, South Asia — same core

End-to-end payment proccessing flow.

From payment initiation through compliance screening ro merchant settlement — every step is automated, monitored, and auditable.

Modular plug-in payment methods.

Add new payment methods without changing the core processing engine.

On-chain transfers

Direct blockchain payments to unique addresses across 40+ networks

Binance Pay

Instant payments through the Binance ecosystem.

Web3 wallets (WalletConnect)

MetaMask, Trust Wallet and other WalletConnect-compatible wallets.

QR code invoices

Invoices with embedded QR codes for offline and cross-channel payments.

Hosted checkout page

Branded payment page with zero integration code.

REST API

Programmatic invoicing, payment processing, webhooks and settlement.

Add a new method

Any new method needed for your business can be integrated

Your checkout. Our infrastructure.

Embed every payment method into your product through a single responsive interface.

All payment methods in one interface

Live exchange rates

Transparent fees

Automatic invoice creation

Payment status tracking

Customizable merchant branding

One checkout. Multiple ways to pay.

Customers get a simple checkout. Merchants get a flexible payment infrastructure.

Scan QR or copy wallet address

One-tap Binance Pay

WalletConnect signing

Split payments

Automatic asset conversion

Customer chooses

USDT/ USDC / BTC / ETH

Payment method

Wallet / Binance Pay / QR

Payment confirmed!

Full control over every transaction

Manage payments, fees, limits, assets and settlements from one operational layer.

Payment Operations

• Real-time transaction monitoring
• Invoice creation
• Transaction history

Developer Tools

• API keys
• Webhooks
• Integrations

Access Management

• Multi-user accounts
• Roles & permissions
• Business units
• Points of sale

Merchant Controls

• Accepted assets
• Limits
• Fees
• FX logic

Go live without the operational overhead

Self-service registration

Automated KYB/KYC

Business units & POS

Per-merchant asset configuration

Granular RBAC

Mandatory 2FA

Configure

Accept payments

Verify

Integrate

Verify

Configure

Integrate

Accept payments

Built for security and compliance.

Problem

Solution

Unverified merchant attempts onboarding

Automated KYB/KYC verification through integrated providers blocks unverified merchants before they can process payments

Suspicious on-chain transaction detected

Real-time AML/KYT screening with blockchain address risk scoring flags and holds the transaction before settlement

Withdrawal to unknown address attempted

Address whitelisting mode restricts withdrawals to pre-approved. KYT-verified addresses with 48-hour cooldown

Unauthorized access to merchant dashboard

Mandatory two-factor authentication for all critical operations: withdrawals, settings, user management, API keys

Need to audit historical operations

Immutable audit trail logs every action with timestamps and user IDs — tamper-proof, exportable event history

Crypto payments at physical point of sale.

Integrate crypto processing into existing POS infrastructure. Customers pay with crypto at retail locations — as simple as paying with a card.

Plug crypto acceptance into existing POS hardware — cashiers create invoices from the terminal, customers scan QR and pay

Real-time payment confirmation on the POS display — transaction verified, receipt printed, goods released instantly

Each point of sale configured independently — accepted assets, settlement currency, fee structure, and fiscal receipt parameters

Flexible settlement and conversion.

Method

Currency

Timing

Details

Crypto settlement

Original asset

On-demand

Funds land in merchant custodial wallet, ready for withdrawal or exchage

Stablecoin auto-conversion

USDT/USDC

Instant

Automatic conversion — eliminates volatility while staying in crypto

Fiat bank payout

USD/EUR

T+N

Daily bank settlement via integrated liquidity providers at pre-agreed rates

Hedged settlement

Any

AI confirmation

Exchange rate locked at invoice or payment time — automated hedging via LP

Method

Currency

Timing

Details

Crypto settlement

Original asset

On-demand

Funds land in merchant custodial wallet, ready for withdrawal or exchage

Method

Currency

Timing

Details

Stablecoin auto-conversion

USDT/USDC

Instant

Automatic conversion — eliminates volatility while staying in crypto

Method

Currency

Timing

Details

Fiat bank payout

USD/EUR

T+1

Daily bank settlement via integrated liquidity providers at pre-agreed rates

Method

Currency

Timing

Details

Hedged settlement

Any

AI confirmation

Exchange rate locked at invoice or payment time — automated hedging via LP

Merchants choose how to receive funds — automatic conversion, rate hedging, and transparent fees

Rate is locked at invoice creation or at payment confirmation — configurable per merchant

Full and partial refunds in the original payment method with automatic balance checks

Launch your fintech product — faster than you thought possible

Join companies already building with FinHarbor
in markets across Europe, MENA, and beyond

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Global payment infrastructure for fiat & crypto

One platform. Every payment flow.

Multi-channel acceptance

Broad asset coverage

Flexible settlement

Plug-in payment methods

Built-in compliance

Reporting & notifications

By the numbers.

End-to-end payment proccessing flow.

Modular plug-in payment methods.

Your checkout. Our infrastructure.

One checkout. Multiple ways to pay.

Full control over every transaction

Payment Operations

Developer Tools

Access Management

Merchant Controls

Go live without the operational overhead

Built for security and compliance.

Crypto payments at physical point of sale.

Flexible settlement and conversion.

Launch your fintech product — faster than you thought possible

One checkout. Multiple ways to pay.