OwlPay Stablecoin Checkout & B2B Payment Platform

OwlPay is OwlTing's hybrid Web2-Web3 payment product suite enabling merchants and businesses worldwide to accept, process, and settle cryptocurrency payments — combining stablecoin-native acquiring with cross-border B2B payment capabilities.

Product Overview

OwlPay positions itself as a next-generation alternative to legacy payment gateways by leveraging USDC stablecoins for instant, chargeback-free settlement. The platform serves global merchants seeking to reduce payment costs and enterprises managing international vendor payment flows, operating across 190+ countries and supporting payouts in 41 currencies.

Key Features

• T+0 Settlement: Instant finality versus traditional T+2 card network cycles, with programmable preferences to settle in fiat USD or retain in USDC
• Chargeback Elimination: Blockchain-based transaction finality removes chargeback risk entirely for merchants
• Reduced Transaction Fees: Bypasses Visa/Mastercard interchange and traditional gateway fees; reduces per-transaction costs from $25-30 to under $10
• Global Payout Coverage: Supports payouts in 10 fiat currencies (EUR, CAD, GBP, JPY, SGD, HKD, ZAR, AED, MXN, BRL) for merchant settlement, and 41 currencies for B2B vendor payments
• OwlPay Harbor API: Enterprise-grade integration path for large businesses requiring a fully customized payment experience within their own UI
• OwlPay Payment: Embedded B2B interface for SMEs to pay international vendors and suppliers with no technical expertise required
• Multi-Chain Support: Settlement across Stellar, Ethereum, Polygon, Arbitrum, Optimism, and Avalanche networks

Use Cases

OwlPay is used by mobility platforms, hospitality services, e-commerce retailers, gaming marketplaces, and enterprises accepting international customer payments or managing global vendor payment flows. It also serves payment companies, remittance providers, and fintech providers requiring stablecoin infrastructure via the Harbor API.