Cross Border Payment Infrastructure

The Infrastructure That Moves Money Across Every Border

PayBito lets merchants accept Stripe card payments, PayPal, and 10+ cryptocurrencies from international buyers — then settle in their preferred currency to a bank account or crypto wallet.

Start Accepting Globally Talk to Sales

Stripe & PayPal Built-in 10+ Crypto Assets Bank & Wallet Settlement

Global Buyer Coverage

Origin Country Routed via PayBito Merchant Settlement

💳

Stripe Card — USDUS buyer → Merchant (EUR settlement)

$320.00✓ Settled

🅿️

PayPal — GBPUK buyer → Merchant (bank withdrawal)

£185.00✓ Settled

₿

BTC — CryptoGlobal buyer → Merchant (BTC wallet)

0.0038 BTC✓ Settled

⚬

USDT — StablecoinAsia buyer → Merchant (USDT wallet)

250 USDT✓ Settled

Recurring & One-Time

What It Is

Cross Border Payment Infrastructure Built for Modern Global Commerce

Cross border payment infrastructure is the technology stack that allows a merchant in one country to reliably receive funds from buyers in another — regardless of the buyer's preferred payment method, currency, or wallet type.

PayBito delivers this infrastructure through a unified merchant account at trade.paybito.com, routing card payments via Stripe, digital wallet payments via PayPal REST API, and cryptocurrency payments through its native crypto layer — all accessible from a single dashboard with settlement to bank accounts or crypto wallets.

Card payments in fiat currencies via your Stripe API credentials
PayPal for 400M+ wallet users across 200+ markets
Crypto via Brand Wallet, External Wallets (MetaMask, Trust Wallet, Coinbase, Phantom, Brave, TronLink), or Guest Checkout
One-time and recurring subscription payment options
Settlement to bank (IBAN / IFSC) or 10 crypto wallets
Transaction filtering by payment method, network, and currency

How the Infrastructure Works

Card Layer → StripeConnect pk_live_ and sk_live_ Stripe keys under Configuration → Payment Methods. All cross-border card transactions route through your Stripe account — no intermediary.

Digital Wallet Layer → PayPal REST APIEnter your PayPal Client ID and Secret. International buyers who prefer PayPal complete payment natively — no card details, no redirects.

Crypto Layer → Three Checkout ModesBrand Wallet (custodial), External Wallet (MetaMask, TronLink, Coinbase, Phantom, Brave, Trust Wallet), or Guest Checkout. Accepts BTC, ETH, BCH, LTC, XRP, USDT, USDC, DOGE, HCX, INR.

Settlement → Wallet or Bank WorldwideWithdraw to crypto settlement wallets or a linked bank account. Add bank details (Account Holder, IBAN/Account No., IFSC Code, Bank Name and Address) from the Settlement section.

Payment Channels

Three Channels That Cover Every International Buyer

PayBito routes each payment type through its optimal channel — no manual configuration per transaction required.

Stripe — International Card Payments

Accept Visa, Mastercard, and Amex from international cardholders. Stripe's global acquiring network handles currency conversion and cross-border acquiring fees automatically.

Stripe Card ProcessingMulti-Currency Fiat

Live API key integration (pk_live_ / sk_live_)
One-time and recurring subscription billing
Fee routing: customer pays or merchant absorbs
Enabled per payment profile or per link

PayPal — Digital Wallet Global

Reach buyers in 200+ countries who prefer PayPal Balance or Pay Later. PayBito connects via PayPal REST API — Client ID and Secret — with no additional integration required from the merchant.

PayPal REST API200+ Markets

Client ID + Secret credential management
PayPal Balance, Credit and Pay Later
No card entry required from buyer
Toggle per payment profile or link

Crypto — Borderless by Design

Cryptocurrency requires no correspondent banks, no SWIFT intermediaries, and no currency conversion gateways. Accept BTC, ETH, stablecoins, and 7 additional assets from any buyer, anywhere.

Brand WalletExternal WalletGuest Checkout

MetaMask, Trust Wallet, Coinbase, Phantom
Brave Wallet and TronLink support
Guest: manual address, no wallet required
BTC, ETH, USDT, USDC, XRP, BCH, LTC, DOGE, HCX, INR

Serving merchants and buyers across all major regions:

🌎 North America🌍 Europe🌏 Asia-Pacific🌍 Middle East🌎 Latin America🌍 Africa🌏 South Asia🌏 Southeast Asia

Infrastructure Features

Every Layer of Cross Border Commerce, Covered

PayBito gives merchants the full infrastructure stack — payment acceptance, routing, settlement, compliance tooling, and reporting — without requiring separate accounts or processors for different regions.

Explore the Platform

Intelligent Payment Routing Per Checkout

Configure which payment channels appear per payment link using Payment Options profiles. Route SaaS subscriptions through Stripe while marketplace payments accept crypto — different profiles per product.

Cross-Border Recurring Billing

Create subscription payment links that charge internationally on recurring schedules. Combine with shipping and tax rate profiles to handle cross-border tax obligations per region.

Rule-Based International Discounting

Build discount profiles with up to 50 cart-value rules. Apply region-specific promotions as different payment links with different discount profiles attached — no code required.

International Buyer Data Collection

Collect shipping address, phone, company name, Tax/VAT ID, and crypto refund address at checkout. Toggle each field per Buyer Info profile to meet the data requirements of different jurisdictions.

KYC-Gated Cross-Border Volume Tiers

Start on Tier 1 ($1,000/day, 90 payments/month). Complete KYC/KYB verification to unlock Tier 2 higher cross-border processing volumes from the dashboard's Limits section.

Cross-Border Transaction Reporting

Filter the Transactions dashboard by currency, network, and payment method. Export as CSV for multi-currency reconciliation, tax compliance, and international accounting workflows.

How a Cross Border Payment Flows

From international buyer checkout to merchant settlement — five steps inside the PayBito infrastructure

Buyer Checkout

International buyer selects card, PayPal, or crypto at checkout

PayBito Routes

Payment routed to Stripe, PayPal REST API, or crypto layer

Confirmed

Transaction verified; post-checkout redirect fires

Funds Settled

Revenue available in Settlement Wallets or pending bank withdrawal

Merchant Withdraws

Withdraw to crypto wallet or bank account in preferred currency

Platform Comparison

PayBito vs Fragmented Cross Border Setups

Many merchants run separate Stripe, PayPal, and crypto accounts for cross-border coverage — three dashboards, three fee structures, and fragmented reporting.

Capability	Stripe Only	PayPal Only	Crypto-Only Platform
International Card Acceptance
PayPal in 200+ Markets
Borderless Crypto Acceptance
Cross-Border Recurring Billing		Limited
Bank + Crypto Settlement	Fiat only	Fiat only	Crypto only
International VAT/Tax ID Collection	Limited
Unified Cross-Border Dashboard
API + Webhooks		Limited	Varies

Why PayBito

Infrastructure Designed for Global-First Merchants

PayBito's architecture assumes international commerce from day one — not as a bolt-on but as the default operating mode.

Bring Your Own Gateways

Connect existing Stripe and PayPal accounts via API keys. Your cross-border revenue stays in your processor accounts — PayBito orchestrates routing without becoming a payment intermediary.

Crypto is Natively Borderless

Bitcoin, USDT, and other assets settle directly to your designated wallet addresses — no correspondent banks, no SWIFT delays, and no cross-border conversion fees for crypto transactions.

Sub-Merchant Accounts for Agencies

Add sub-merchant accounts with role-based access across 14 menu modules. Manage cross-border operations for multiple clients or business units from one master account.

QR Codes for In-Person Cross-Border

Generate payment QR codes from any payment link — enabling cross-border transactions at trade shows and international retail without POS hardware dependency.

Webhooks for Platform Integration

Configure webhook endpoints under Developers to receive real-time payment events. Domain whitelisting ensures secure embedded checkout on your international storefronts.

Per-Asset Global Analytics

Analyse cross-border revenue by asset in Insights — switch between BTC, ETH, USDT, and other assets to understand which currencies are driving international volume.

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