InFlow Pay

InFlow Pay is a cross-border payment processor founded in February 2024 and headquartered in Paris, France. The company builds payment infrastructure on stablecoin settlement rails, targeting internet-native businesses that need to accept payments globally without forming local entities in each market or tolerating the account freezes and high fees common to incumbent processors.

The central problem InFlow addresses is that conventional payment service providers tie merchant accounts to specific jurisdictions, charge layered fees that compound across currency conversion, cross-border processing, and chargeback disputes, and can suspend or freeze merchant accounts unilaterally. InFlow is acquiring-bank-agnostic from day one, meaning it is not locked to any single acquiring relationship and can route transactions across networks. The company settles 24/7 near real-time and claims merchants can go live in under 12 hours without needing local incorporation in the target market.

Product Suite

InFlow offers several payment primitives aimed at different merchant workflows. Payment Links let businesses generate shareable links to collect funds globally without a checkout integration. The API Checkout product provides SDKs and server-to-server API access for merchants that want full control over their checkout flow. Dynamic IBANs issue virtual IBANs that centralize payment flows and automatically match incoming transactions, useful for businesses managing recurring or high-volume payment routing.

A distinguishing feature is the Automated Yield product, which earns merchants 3-5% annually on funds flowing through their InFlow accounts without requiring those funds to be locked. The company attributes this yield to the stablecoin infrastructure underlying its settlement layer, where idle payment balances can generate returns unavailable inside traditional banking rails.

The Marketplace API Suite extends the platform to two-sided marketplaces, handling payment collection, automatic fee splits between platform and seller, and instant seller payouts. InFlow also supports refunds at no additional charge and maintains a multi-currency interface to handle local taxes, VAT, and regulatory requirements across markets.

Self-Custody and Security

InFlow's self-custody wallet model is a stated differentiator from both traditional processors and custodial crypto wallets. Merchant accounts cannot be frozen or banned by InFlow, which shifts control over funds to the merchant. The company holds PCI-DSS Level 1 certification, the highest security standard available for payment card processing, and applies cryptographic encryption, biometrics, Strong Customer Authentication, and two-factor authentication across its platform.

For dispute resolution, InFlow uses Circle's Refund Protocol, an on-chain escrow mechanism that handles chargeback logic through smart contracts rather than traditional bank dispute channels. This reduces the dependency on legacy chargeback infrastructure and gives merchants a more predictable resolution path.

Stablecoin Infrastructure and Visa Partnership

InFlow's architecture is built on stablecoin rails rather than purely on traditional banking infrastructure. The company cites 2024 stablecoin settlement volumes crossing $27 trillion as context for why stablecoin-based processing is viable at scale. This orientation informed the company's acceptance into the Visa Accelerator Program, through which InFlow is developing a Visa-partnered card issuance product. The accelerator partnership gives InFlow structured access to Visa's network-level understanding of risk, settlement mechanics, and card issuance at global scale.

The company is backed by Rockstart, Gnosis, Alliance DAO, Plug and Play Ventures, and Stake Capital, having raised $1.1 million in a pre-seed round in April 2025.

Growth and Adoption

InFlow reported approximately 100% month-over-month growth for six consecutive months without paid marketing, as stated in its Visa Accelerator announcement. The platform serves more than 500 businesses and has a stated processing capacity of $100 million per month. Access is gated through a waitlist and released in batches, which the company states is intended to ensure service quality and security for each merchant.

Named customers include GutsTicket (which merged with CM.COM), Tempus Shop, and Karachi Creative Solutions. Chohan, founder of GutsTicket, described using InFlow for internal on-chain payments testing as part of the company's broader effort to bring ticketing infrastructure on-chain. Matthieu, founder of Tempus Shop, cited the resolution of account holds and reduced transaction fees as primary benefits. Karachi Creative Solutions credited the payment link product for enabling faster collection from international marketing clients.

Target Markets and Pricing

InFlow targets three primary segments: SaaS companies and e-commerce merchants that need global payment acceptance, agencies and freelancers receiving payment from clients across multiple jurisdictions, and two-sided marketplaces that need automated payout splitting between platforms and sellers.

The company publishes a cost comparison claiming its service is 53% cheaper than competing payment solutions on average, translating to approximately $37,500 in annual savings per business. Exact fee structures are not publicly listed on the website; merchants onboard via the waitlist and receive pricing during setup.

Technical Integration

The developer API is versioned, with documentation covering authentication, metadata, and payment flow implementation across two versions. The docs support both an SDK integration path and a server-to-server API option for merchants that prefer not to use a hosted SDK. Documentation is hosted at docs.inflowpay.com and includes an OpenAPI index for AI and automation tooling.