How It Works
On the Payr merchant app, the merchant types in the amount the customer owes — in Hong Kong dollars, just like any payment.
A QR code displays on screen — encoding the exact USDT or USDC amount at live exchange rates. Customer scans with any crypto wallet.
Stablecoins land in the merchant's account instantly. Withdraw to your Hong Kong bank account in HKD — no volatility, no holding.
"Payment speed and settlement certainty — that's what merchants care about. Stablecoins deliver both."
— Payr Merchant Research, Hong Kong SME focus group, 2026
Built for Real Merchants
No card terminals. No hardware costs. The merchant's phone is the POS. Works on any Android or iOS device.
Crypto transactions confirm in seconds. Stablecoin balance updates in real-time. No waiting days for bank transfers.
Accept USDT and USDC on Tron, Ethereum, Solana, and Base. Pick the network with the lowest fees for your customers.
Convert stablecoins to HKD and withdraw directly to your Hong Kong bank account. FPS-enabled. Same-day settlement on business days.
Add crypto checkout to your online store with a few lines of code. Hosted payment pages, plugins, and full API access.
Built on Hong Kong's stablecoin licensing framework. AML/KYC compliant. Designed to meet HKMA requirements from day one.
Target Verticals
Sellers on Etsy, Shopify, or independent storefronts serving international buyers. Stablecoin payments eliminate wire fees and slow settlement.
Souvenir shops, restaurants, and retailers near tourist zones. International visitors can pay in stablecoins — no credit card foreign transaction fees.
Freelancers, consultants, and agencies serving international clients. Invoice in HKD, get paid in stablecoins — no SWIFT delays.