Payment platforms
Collect from your merchants' customers and pay out to the merchants, across currencies and rails.
- Collections into named accounts
- Payouts in fiat or stablecoins
- Separate merchant settlement and operating funds
For Platforms
Collections, payouts and acceptance for platforms that move money.
For payment companies, exchanges, wallet providers and marketplaces: operating accounts for your own revenue, separately agreed client-fund arrangements, payouts in fiat or stablecoins, merchant acceptance and payment APIs.
- Operating and client funds kept apart
- Merchant acceptance
- Payment APIs
- Fiat and stablecoin payouts
- Live now Crypto payments
- Coming soon Cards as a Service
What you get
Operating funds and client funds
Your fees and earned revenue sit in operating accounts. Money that belongs to merchants or users is held under client-fund arrangements agreed separately with each platform.
Collections
Receive customer and merchant funds into dedicated or virtual IBANs.
Payouts
Pay merchants, users and partners in bulk, by bank transfer or in stablecoins.
Merchant acceptance
Payment links, hosted checkout, local payment methods, crypto acceptance and recurring payments, settled into your accounts.
Payment APIs
Collections, payouts and reconciliation through APIs. Scope and access are agreed during onboarding.
Cards as a Service
Offer cards to your users, funded from their balances.
Trading platform as a Service
Planned: a white-label crypto trading platform for your own clients, with a web terminal under your brand, a client cabinet, liquidity and market data, and client funding through Valtora. Instruments and regulatory scope are agreed with each client.
Company funds and client funds
Fees and revenue your platform has earned go to its operating account. Money that belongs to merchants or users is held under separately agreed client-fund arrangements.
Illustrative workflow
A payment platform converts its own USDC revenue and pays suppliers in euros
- 1ReceiveUSDC · own funds
The platform receives USDC fee revenue it has earned. These are company operating funds.
- 2ConvertUSDC → EUR
The USDC is converted into EUR at a quoted rate.
- 3SettleOperating account
EUR settles into the platform's operating account because it is the platform's own revenue.
- 4PaySEPA · EUR
Approved business counterparties are paid by SEPA bank transfer.
Money that belongs to users or merchants is handled under the platform's separately agreed client-fund arrangement instead.
Example only. It describes a typical flow, not a real customer, and uses no actual figures.
Built for three kinds of platform
Exchanges and trading platforms
Move customer funds between fiat and digital assets with one platform for both sides.
- Fiat deposits and withdrawals
- Crypto-to-fiat settlement
- User funds kept apart from operating funds
Wallet providers
Give your users a way in and out of crypto without building fiat infrastructure yourself.
- Fiat-to-crypto on-ramps
- Crypto-to-fiat off-ramps
- Cards through Cards as a Service
Merchant payments
Get paid online, by link or by QR code.
Accept payments by card, local payment methods or crypto, and follow each one through to settlement in your Valtora account.
Hosted checkout
A payment page hosted by Valtora for your website or app. Customers pay with an available method and return to your site.
Payment links
Create a link for an invoice or order and send it by email, chat or text message.
QR checkout
Create a payment request and share its QR code. Customers scan to open checkout and choose an available payment method.
Recurring payments
Collect subscriptions and repeat payments on the schedule you set, where the payment method supports it.
Settlement tracking
See each payment's status from checkout to settlement in your Valtora account, with its reference for reconciliation.
Crypto payments
Customers can pay in supported crypto assets through links, QR codes or hosted checkout, at a price held while they pay. Each payment converts to fiat on arrival or stays as crypto in your wallet, as you choose.
Available payment methods depend on your business and the payer's country. Availability depends on business activity, jurisdiction and eligibility review.
Payment requestSample data
Scan to open checkout
Status
- Created
- Paid
- Settled
Illustrative platform preview — sample data.
Who uses it
01
Payment companies
Collect from end customers, settle to merchants and keep your earned fees in your operating account.
02
Exchanges
Run fiat deposits and withdrawals for users next to your crypto operations.
03
Marketplaces
Accept payments from buyers and pay out sellers in their own currency.
Pricing
Platform, acceptance and API pricing is quoted after we review your volumes, payment methods and countries. Standard account and payment fees are on the pricing page.
Questions
How do you keep client funds apart from our own?
Your fees and earned revenue sit in your operating account. Money that belongs to merchants or users is held under a client-fund arrangement agreed separately with each platform during onboarding.
Is merchant acceptance part of the launch?
Yes. Payment links, hosted checkout, local payment methods, crypto acceptance and recurring payments are part of the full launch offering. Which methods you can use depends on your business and the payer's country.
Do you have APIs?
Yes, for collections, payouts and reconciliation. API scope and access are agreed during onboarding.
Can our users get cards?
Yes, through Cards as a Service.
Discuss your platform.
Tell us how money moves through your business and we'll reply by email to arrange a call.
Chat on TelegramValtora coordinates your business review and onboarding.