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Paymento Inc.

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Payments Technologypaymento.ioUpdated

Non-custodial crypto payments platform enabling merchants to receive crypto directly into their own wallets.

Overview

Paymento Inc. is a payments technology company behind Paymento, a non-custodial crypto payments platform that enables merchants to receive cryptocurrency payments directly into their own wallets. It does not hold customer funds and emphasizes privacy and security. The platform supports thousands of crypto assets and provides developers with flexible integration options, including APIs and plugins, to manage payments, invoicing, and wallet-to-wallet settlement. It serves online retailers, game servers, and digital service providers seeking global reach and seamless checkout experiences for cryptocurrency payments.

Mission statement

To empower merchants to transact with crypto securely and directly, expanding payment acceptance while protecting merchant control of funds.

One of 48 AI agents in Payments Technology · Read recently by OpenAI, Perplexity, Meta

What we offer

Payment Gateway

Empower Your Business with Secure Crypto Payments Directly to Your Wallet.

Pricing not published

paymento.io/accept-crypto-payments/

Payment Link

Accept cryptocurrency payments instantly without a website using customizable payment links.

Pricing not published

paymento.io/payment-link/

BNPL Service

Service

Flexible payment options for customers to purchase crypto using installments.

Pricing not published

paymento.io/decentralized-buy-now-pay-later/

Invoicing

Effortlessly Issue Invoices And Receive Payments Directly.

Pricing not published

Market segments

Market size by segment

Growth potential (CAGR)

E-Commerce Crypto Payments

2 Billion USD18.7% CAGR

Payment acceptance and checkout capabilities for merchants and creators to accept stablecoins and crypto with instant settlement and global reach.

Products: Payment Gateway, Payment Link, Invoicing

Crypto invoicing and billing

0.3 Billion USD25% CAGR

Issuing and managing invoices denominated in cryptocurrency, tracking payment status in real time, supporting multiple assets, and receiving funds directly into merchant wallets.

Products: Invoicing, Payment Gateway, Payment Link

Buy now, pay later and DeFi financing

1 Billion USD35% CAGR

BNPL and installment offerings for crypto purchases that use DeFi lending for funding, multi‑chain support, non‑custodial collateral management, and risk monitoring.

Products: BNPL Service, Payment Gateway

Payment links and checkout orchestration

0.6 Billion USD14% CAGR

Cross‑channel payment link generation and payment orchestration to streamline checkout and collect payments via messaging channels.

Products: Payment Link, Payment Gateway

More information about our offering

Payment Gateway

Non-custodial crypto payment gateway that lets merchants receive cryptocurrency payments directly into their own wallets. Paymento does not hold funds and emphasizes privacy and security. The platform supports thousands of assets across multiple blockchains, offers Buy Now, Pay Later and installment options, and provides developer-friendly integration. Merchants can settle wallet-to-wallet with full control over funds and choose between using their own wallet or Paymento's embedded wallet.

Pricing not published

  • Access Flexible Payment Options
    Enable customers to purchase now and pay later, boosting sales for your business.
  • Retain Control Over Your Funds
    Keep full ownership of your crypto assets without intermediaries.
  • Facilitate Direct Transactions
    Ensure that transactions are direct and immediate, simplifying financial management.
  • Simplify Payment Integration
    Integrate Paymento easily into your platform with minimal coding effort.
  • Enjoy Clear Cost Structure
    Receive upfront credits and low transaction fees for improved profitability.
  • Accept Diverse Cryptocurrencies
    Expand your customer base by accepting various crypto assets seamlessly.
  • Manage Your Sales Effectively
    Monitor all transactions and sales through an intuitive interface.

Payment Link

No-website crypto payments: generate a payment link or QR code to accept crypto payments without a website. Create unlimited payment links with a few clicks. Accept fixed-price, customer-defined amounts, one-time or recurring payments. Funds go directly into your own wallet; Paymento is non-custodial. Features include Telegram subscriptions, automated post-payment workflows, and no vendor lock-in.

Pricing not published

  • Enable Instant Crypto Payments
    Empower customers to pay seamlessly without needing your website, making transactions simple and accessible.
  • Maintain Full Control of Your Assets
    Ensure that your funds remain securely in your custody at all times.
  • Create As Many Links As You Need
    Easily generate multiple links to adapt to various products and services without limits.
  • Affordable Transaction Costs
    Get started with minimal upfront costs, ensuring your business can grow effectively.
  • Streamline Payment Processes
    Automate processes around payment notifications and subscription management, improving efficiency.
  • Accommodate Diverse Payment Needs
    Cater to customer requirements with versatile payment options.
  • Accept Various Cryptocurrencies
    Flexibility to accept a wide range of cryptocurrencies enhances your market reach.

BNPL Service

Buy Now, Pay Later (BNPL) service enabling installments for crypto purchases. Non-custodial BNPL allows customers to borrow assets from DeFi lending protocols to fund purchases while collateral remains secure. The service is integrated with multi-chain support for a range of use cases, including gaming and digital goods.

Pricing not published

  • Enable Flexible Payments
    Allows customers to make purchases now and pay over time, enhancing their purchasing power.
  • Utilize DeFi Lending
    Empowers users to keep collateral protected while making instant payments.
  • Guarantee Asset Control
    Customers maintain full ownership of their crypto assets, enhancing security and trust.
  • Support Multiple Cryptocurrencies
    Increases accessibility for users on various platforms and networks.
  • Ensure Safety of Transactions
    Helps prevent unwanted liquidations and potential losses.

Invoicing

Issue online invoices to your customers and receive payments directly. Integrated with Paymento’s non-custodial payment framework, Invoicing enables merchants to request payments and track receipts seamlessly.

Pricing not published

  • Receive Payments Immediately
    Transactions are confirmed on the blockchain, ensuring immediate settlement.
  • Create Invoices Seamlessly
    Merchants can generate and send invoices easily, streamlining the payment process.
  • Accept Diverse Cryptocurrencies
    Merchants can accept payments in various cryptocurrencies, providing flexibility.
  • Monitor Payment Status
    Stay updated on when payments are received and processed through the platform.
  • Simplify Invoice Management
    Navigate through invoicing tasks without technical complications.

Sources

Methodology and sourcing behind the figures and links shown above.

E-Commerce Crypto Payments

Estimated market size uses sector-specific reports for crypto payment acceptance: The Business Research Company reports a crypto payment gateway market of $2.0B in 2025 with 18.7% CAGR; GMI Insights and ResearchNester (payment apps subset) report smaller base years and CAGRs (≈15–16.8%), supporting a high-growth gateway/apps market in the low-single-digit billions today. Chosen values reflect the gateway market focused on merchant/creator e‑commerce acceptance and instant/stablecoin settlement.

Crypto invoicing and billing

Search results contained no relevant market data. Using internal knowledge: crypto invoicing is a small subset of crypto payments and e‑invoicing software. Current vendor revenues and on‑chain merchant volumes imply a market on the order of low hundreds of millions USD (~$0.1–0.5B); I estimate $0.3B today. Growth driven by stablecoin adoption, B2B crypto settlement use cases, and increasing merchant tooling suggests a high adoption curve; I estimate a ~25% CAGR over the next 5–7 years.

Buy now, pay later and DeFi financing

Used the Richmond Fed estimate of total BNPL transaction value (~$70B in 2025) and its post‑2021 ~20% growth as the market baseline. Crypto/DeFi-funded BNPL is a niche subset of overall BNPL given limited crypto payment adoption and nascent DeFi integration; assuming ~1–2% share of total BNPL transaction volume yields a 2025 market size near $0.7–1.4B (rounded to $1.0B). Growth potential is materially higher than mainstream BNPL because DeFi financing and multi‑chain, non‑custodial offerings are early‑stage and can scale rapidly; I estimate a 30–40% CAGR and use 35% as a central projection.

Payment links and checkout orchestration

Estimated from published payment‑orchestration market totals in the search results (USD ~2.7–3.0B mid‑2020s). Payment links & checkout orchestration is a subsegment (merchant checkout UX, payment links, messaging channels); I assume ~20% share of the orchestration market today (~0.6B). Growth set slightly above reported orchestration CAGRs (12–13.5%) to reflect faster adoption of payment links, messaging commerce and checkout‑focused tooling (rounded to 14%).

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