Payment Solutions

AstroPay

Type: Digital Wallet

Regions: LATAM, Turkey, India

Overview:

AstroPay is widely used in markets with low trust in banking infrastructure. It

enables instant, frictionless deposits without requiring users to share card or bank

data.

Context:

Especially popular for online gaming and betting platforms, AstroPay acts as an

“access layer” for the unbanked and underbanked — allowing them to transact

instantly, without exposure.

Why it matters:

Fast, anonymous, and highly adaptive to high-risk verticals.

BLIK

Type: Local Payment System

Region: Poland

Overview:

BLIK enables payments through dynamic 6-digit codes, generated in real time via

mobile banking apps — no card, NFC, or wallet required.

Context:

Adopted by nearly every major Polish bank, BLIK has become the dominant online

and offline payment method across the country, outperforming Visa and Mastercard

locally.

Why it matters:

A uniquely national solution with near-universal penetration in Poland.

Boleto Bancário

Type: Local Payment Voucher

Region: Brazil

Overview:

Boleto is a pre-generated payment slip that users can pay in person at banks, post

offices, ATMs, or via online banking — without requiring a bank account.

Context:

Ideal for Brazil’s cash-preferred segments and those outside formal financial

systems.

Why it matters:

A resilient payment channel in a country where digital adoption often collides with

socio-economic gaps.

Boost

Type: Local Payment App (eWallet / QR)

Region: Malaysia

Overview:

Boost is a mobile-first QR payment system with strong integration into Malaysia’s

retail and government ecosystems.

Context:

Adopted both by small merchants and national initiatives (e.g. e-Tunai), it combines

everyday usability with rewards, promotions, and seamless peer-to-peer

functionality.

Why it matters:

A QR-native solution that scaled through public-private synergy.

EcoPayz

Type: Multi-currency Digital Wallet

Regions: UK, Canada, Japan

Overview:

EcoPayz offers flexible, cross-border digital payments and transfers with built-in FX

support and less reliance on traditional banking friction points.

Context:

Often preferred in high-risk segments like online casinos, gaming, and alternative

commerce.

Why it matters:

An accessible bridge between traditional currencies and high-risk use cases, with

global reach.

Euteller

Type: Instant Bank Transfer

Region: Finland

Overview:

Euteller provides secure, real-time online payments directly through Finnish bank

accounts — no card or third-party wallet needed.

Context:

Optimized for domestic transactions, it’s trusted across Finland for high-trust, high-

speed consumer purchases.

Why it matters:

Minimalist by design, effective by reputation — Finland’s go-to for instant bank

payments.

GCash

Type: Digital Wallet

Region: Philippines

Overview:

GCash is the leading e-wallet in the Philippines, offering a wide range of services —

from peer-to-peer transfers to bill payments and online purchases.

Context:

With smartphone penetration rising and many Filipinos lacking bank accounts,

GCash became a default payment tool for mobile-first commerce and everyday

transactions.

Why it matters:

An essential payment rail in Southeast Asia’s most mobile-driven market.

Giropay

Type: Bank Transfer

Region: Germany

Overview:

Giropay allows direct payments from German bank accounts through a secure online

banking interface, without requiring card data or third-party apps.

Context:

Favored for its trust-based model and alignment with Germany’s privacy-centric

consumer habits.

Why it matters:

One of the few digital systems that thrives in a market still wary of credit cards.

iDEAL

Type: Local Bank Transfer

Region: Netherlands

Overview:

iDEAL allows real-time transfers via direct authentication with Dutch banks — no

cards required.

Context:

Responsible for over 70% of all online purchases in the Netherlands, particularly in

travel, utilities, and subscriptions.

Why it matters:

A market-dominant solution that’s indispensable for digital sales in the Dutch

market.

Interac

Type: Bank Transfer Network

Region: Canada

Overview:

Interac enables real-time transfers between Canadian bank accounts, with

widespread usage for P2P, e-commerce, and invoice settlement.

Context:

Embedded in nearly every Canadian banking app, Interac is used more frequently

than debit cards for domestic transactions.

Why it matters:

A national standard in a market that prioritizes banking security and user familiarity.

JCB

Type: Card Network

Region: Japan

Overview:

Japan’s leading domestic card scheme, JCB offers credit and debit services with

global acceptance across Asia and select regions worldwide.

Context:

The preferred choice for Japanese consumers, JCB emphasizes buyer protection and

reward programs tailored to local expectations.

Why it matters:

A culturally trusted payment option with high usage among affluent Asian

demographics.

Jeton

Type: Digital Wallet

Regions: Brazil, India, Turkey

Overview:

Jeton is a flexible wallet and money transfer service, popular in high-risk verticals

due to its easy onboarding and global remittance support.

Context:

Used across multiple regions for both deposits and withdrawals in environments

where card penetration is limited or regulatory friction is high.

Why it matters:

A go-to for platforms operating in complex regulatory markets seeking fast, multi-

currency settlements.

Mastercard

Type: Global Card Scheme

Regions: Global

Overview:

One of the world’s most widely accepted payment networks, Mastercard supports

credit, debit, and prepaid cards with robust fraud controls and tokenization options.

Context:

In high-risk verticals, Mastercard requires careful MID (merchant ID) structuring

and ongoing compliance — but offers unparalleled reach.

Why it matters:

Ubiquitous, powerful — but only if you know how to navigate it right.

MuchBetter

Type: Digital Wallet

Regions: Brazil, UK, Spain, Canada, Norway

Overview:

MuchBetter is a mobile-first wallet optimized for instant iGaming deposits, multi-

device tokenization, and reward-based payment flows.

Context:

Its unique device-pairing security and fast KYC onboarding make it a strong player

in gambling, e-sports, and affiliate-driven platforms.

Why it matters:

Purpose-built for high-frequency, regulated environments — with UX at the

forefront.

Neteller

Type: Digital Wallet

Regions: Australia, UK, India

Overview:

One of the earliest digital wallets for online trading and gaming, Neteller enables

multi-currency transactions with high acceptance among forex and betting operators.

Context:

Especially valued for its speed, withdrawal reliability, and peer-to-peer functions.

Why it matters:

Still a preferred option in high-risk verticals where card decline rates are high and

settlement flexibility is critical.

Online Banking (Malaysia)

Type: Bank Transfer Gateway

Region: Malaysia

Overview:

This is a centralized gateway enabling real-time payments via domestic Malaysian

banks — directly from account to merchant.

Context:

Often used in regulated verticals like gaming and remittance, where local trust and

traceability are key.

Why it matters:

Low-cost, high-trust alternative to card payments in a market dominated by domestic

rails.

OXXO

Type: Local Voucher Payment

Region: Mexico

Overview:

OXXO allows users to generate a barcode for their transaction, which they can pay

in cash at any of the 20,000+ OXXO convenience stores across Mexico.

Context:

Massively popular in a country with low card penetration — it bridges online

commerce with physical cash culture.

Why it matters:

Enables merchants to reach consumers in unbanked and cash-preferred segments

with scale.

Papara

Type: Digital Wallet

Region: Turkey

Overview:

Papara offers users a prepaid wallet linked to physical and virtual cards, enabling

seamless payments, transfers, and top-ups.

Context:

Rapidly adopted by Turkish consumers seeking an alternative to traditional banks,

especially among Gen Z and gig economy users.

Why it matters:

A tech-savvy wallet with strong local compliance, ideal for penetrating the Turkish

digital payment market.

PayMaya

Type: Digital Wallet

Region: Philippines

Overview:

PayMaya functions as a full-stack wallet, supporting cardless payments, online

checkouts, remittances, and bill payments — often bundled with mobile telecom

services.

Context:

Popular among underbanked and prepaid SIM card users, especially outside Metro

Manila.

Why it matters:

A mobile-native financial ecosystem tied to everyday commerce in the Philippines.

Paysafecard

Type: Prepaid Voucher

Region: Romania (and Europe-wide)

Overview:

Paysafecard allows users to buy fixed-value vouchers in physical stores and use them

online without exposing banking data.

Context:

Favored by consumers without access to cards or those who prefer anonymity for

online entertainment, gaming, and betting.

Why it matters:

An ideal solution for age-restricted or privacy-sensitive payments in regulated

industries.

PayTM

Type: Local Payment Super App

Region: India

Overview:

PayTM is one of India’s largest digital ecosystems, offering QR-based payments,

utility billing, transit tickets, and even stock trading — all in one app.

Context:

With over 300 million users, it became a staple of India’s cashless movement,

especially in small merchants and semi-urban areas.

Why it matters:

A national-scale platform that connects payments with daily behavior at every level

of society.

PhonePe

Type: UPI-Based Payment App

Region: India

Overview:

PhonePe is built on India’s UPI network and allows instant bank-to-bank payments,

mobile top-ups, QR payments, and even mutual fund purchases.

Context:

Frequently used in Tier 2–3 cities, it plays a key role in India’s low-cost, high-

volume transaction ecosystem.

Why it matters:

Combines real-time payments with national coverage — crucial for mass reach in

India.

PIX

Type: Instant Bank Transfer

Region: Brazil

Overview:

PIX is Brazil’s real-time payments network, operated by the Central Bank. It allows

instant P2P, merchant, and bill payments via mobile apps, QR codes, and alias IDs.

Context:

Adopted by over 140 million Brazilians, PIX revolutionized payments in the country

— reducing reliance on cash, cards, and Boleto.

Why it matters:

A central-bank-backed infrastructure that reshaped how Brazilians pay — instantly

and without fees.

POLi

Type: Bank Transfer

Regions: Australia, New Zealand

Overview:

POLi enables consumers to pay directly from their online banking accounts without

a credit card, using a seamless redirect flow.

Context:

Favored by merchants who want to avoid card fees or delays, especially in digital

goods, travel, and utility sectors.

Why it matters:

Local trust and high bank coverage make it a reliable choice in Australia and NZ’s

payment landscape.

PostePay

Type: Prepaid Card

Region: Italy

Overview:

Issued by the Italian postal system, PostePay is a prepaid card solution with online

and offline acceptance, reloadable through post offices and ATMs.

Context:

Especially popular among students, retirees, and users without a traditional bank

account.

Why it matters:

A domestically trusted brand with wide reach in Italy’s cash-to-digital migration.

Przelewy24 (P24)

Type: Local Bank Transfer Gateway

Region: Poland

Overview:

Przelewy24 aggregates real-time payments from nearly all Polish banks, enabling

instant checkout without cards.

Context:

Favored by both e-commerce giants and smaller merchants due to its wide consumer

adoption and regulatory alignment.

Why it matters:

The default choice for online payments in Poland — highly trusted and deeply

integrated into daily spending habits.

QR Pay

Type: QR-Based Bank Payment

Region: Thailand

Overview:

A domestic QR payment method linked to Thai bank accounts via the PromptPay

infrastructure.

Context:

Ubiquitous at street markets, taxis, and SMEs, QR Pay enables near-instant

payments with minimal merchant friction.

Why it matters:

Key to unlocking low-friction, high-volume transactions in Thailand’s mobile-first

economy.

Servipag

Type: Local Payment System

Region: Chile

Overview:

Servipag allows customers to pay bills and invoices through a wide network of

physical agents, ATMs, and online banking interfaces.

Context:

Bridges cash and digital finance in a region where many consumers still rely on in-

person bill settlement.

Why it matters:

A hybrid cash-digital solution crucial for financial access across Chile’s diverse

income groups.

SiD Secure EFT

Type: Bank Transfer

Region: South Africa

Overview:

SiD facilitates secure online payments by connecting directly to the user’s internet

banking environment. No card or registration required.

Context:

Ideal for e-commerce, education, and utility sectors where instant confirmation and

trust are essential.

Why it matters:

A widely adopted tool in a market balancing card skepticism and digital readiness.

Skrill

Type: Digital Wallet

Regions: Australia, UK, India, Canada

Overview:

Originally popular among forex and iGaming users, Skrill supports wallet-based

payments, prepaid cards, and cross-border transfers.

Context:

Often selected for high-risk processing due to its flexible compliance model and

strong brand recognition.

Why it matters:

Still a top-tier wallet in environments where payouts, currency agility, and trust

coexist.

Sofort

Type: Bank Transfer

Regions: Germany, Austria, Switzerland

Overview:

Sofort connects users to their online banking login in real time, enabling direct

account-to-merchant transfers.

Context:

Respected for its speed and regulatory compliance, Sofort is used in sectors where

cards are less trusted (e.g. B2B, subscriptions).

Why it matters:

A fast, direct alternative to cards in privacy-conscious European markets.

Trustly

Type: Instant Bank Transfer

Regions: Germany, Denmark, Netherlands, Norway, Finland, Sweden, Estonia

Overview:

Trustly enables direct bank payments through a seamless API, without leaving the

merchant’s interface — no cards, no redirects.

Context:

Used heavily in high-trust markets for subscriptions, ticketing, financial services,

and gaming, where fast clearing and reversibility are key.

Why it matters:

A Scandinavian-born solution trusted across Europe for compliant, card-free

checkout flows.

UPI (Unified Payments Interface)

Type: Instant Bank Transfer Network

Region: India

Overview:

UPI is India’s national real-time payment infrastructure, enabling inter-bank

transfers via mobile apps using phone numbers, QR codes, or virtual IDs.

Context:

Adopted by over 300 million users, UPI fuels India’s cashless economy — from

street vendors to investment platforms.

Why it matters:

No intermediaries, no delays, no fees — UPI redefined payments at population scale.

Visa

Type: Global Card Scheme

Regions: Global

Overview:

Visa is the world’s largest payment network, enabling card-based transactions online

and offline with rich fraud control and tokenization features.

Context:

For merchants in regulated or high-risk verticals, Visa remains essential — but

requires precise MID structuring, risk management, and compliance oversight.

Why it matters:

Global reach, brand trust, and high consumer preference — but not plug-and-play for

every business.

Webpay

Type: Local Payment Gateway

Region: Chile

Overview:

Webpay processes debit and credit card transactions across Chile, tightly integrated

with domestic banking systems and consumer apps.

Context:

A key enabler of online commerce in Chile, especially for retailers and digital

service providers.

Why it matters:

A mandatory integration for serious market access in Chile — with reliable local

routing.

ZaloPay

Type: Digital Wallet

Region: Vietnam

Overview:

ZaloPay is one of Vietnam’s leading e-wallets, tightly integrated into Zalo — the

country’s most-used messaging platform.

Context:

With QR payments, bill settlement, and mobile top-ups, ZaloPay functions as a daily

payments layer for over 10 million users.

Why it matters:

A social-plus-fintech solution, central to Vietnam’s digital payment adoption.