Modern payments
for modern businesses
The payments rail for businesses traditional gateways won’t touch. Local methods in 40+ markets, same-day settlement in the currency you bank in.
Backed by
Pick your industry.
See Credible at work.
Remittance Apps
Every corridor with FX and local payout rails, from a single API, so you launch new markets in weeks.
Explore →Neobanks
Named multi-currency accounts, card issuing, and same-day settlement, without a banking charter in every market.
Explore →Payment Aggregators
Orchestrate acquirers and local methods behind one API, with split settlement and real-time reconciliation.
Explore →Creator Platforms
Tipping, subscriptions, and marketplace payouts to creators across geographies, without the chargeback headache.
Explore →MTOs
Extend your corridors with bank, wallet and cash-pickup payouts, FX, and sanctions screening in the flow.
Explore →Marketplaces
Take one buyer payment, split it across sellers and fees, and pay every seller out in their local currency.
Explore →SaaS & Subscriptions
Collect subscription revenue in local currencies and methods without a local entity in each market.
Explore →Import/Export
Collect from overseas buyers into named USD, EUR and GBP accounts and pay suppliers in 40+ markets at mid-market FX.
Explore →Supported rails
Customers pay.
Merchants get paid, now.
Example path: a Pix payment routed to Acquirer #3, scored for early settlement and settled in BRL.
Explore our product suite
Accept payments everywhere your customers are.
Start acceptingPaymentsLocal accounts everywhere you sell. Go live in new markets without incorporating locally.
Open an accountTreasuryEnterprise toolset to empower your finance operations.
Power financeAPI SuiteOrchestration
layer routes
Credible’s orchestration layer routes each transaction across the best PSPs and acquirers. Those rails settle in T+3; eligible merchants take early settlement and land USD, EUR, GBP or local currency the same day.
Contact sales- 01
Customer pays
Cards, UPI, Pix, SEPA, ACH, PromptPay, wallets. Any method, any market.
- 02
Credible routes it
Smart routing picks the PSP or acquirer per transaction: highest approval, lowest cost. 100+ methods behind one integration.
- 03
Risk is underwritten in real time
Per-transaction scoring decides eligibility for early settlement against the receivable.
- 04
The merchant is paid now
Funds land the same day in USD, EUR, GBP or local currency. Acquirers reconcile at T+3 in the background, where it belongs.
4 steps to set up
Quick and easy with Credible
Self-onboard01
Create an account, connect your business, and preview the full product before you commit.
Complete KYB02
Modern, async Know-Your-Business verification. Upload documents, get reviewed, move on with your day.
Consume the APIs03
Authenticate, hit our payments, payouts and accounts endpoints, and put live transactions in front of users.
Go live and get paid04
Switch on methods per market and settle to your account or bank in the currency you choose.
40+ markets.
One integration.
Pay-in and payout across every region, on local rails like UPI, Pix, SEPA, ACH, AANI and NIBSS, plus 30+ currencies.
Frequently asked questions.
What is Credible?
Credible is a full-stack payment gateway for internet businesses: accept payments with 100+ methods, pay out across 40+ markets, hold named USD, EUR and GBP accounts, and convert at mid-market FX, all through one API and one dashboard.
Who is Credible built for?
Businesses that legacy gateways underserve or quietly decline: remittance apps, neobanks, MTOs, payment aggregators, marketplaces, SaaS, creator platforms and import/export businesses. If you move money across borders, we are built for you.
How does same-day settlement work?
Card and local rails settle to acquirers on their own T+2 or T+3 cycles. Eligible merchants can opt into early settlement, where Credible advances the funds from its own prefunded balance against your underwritten receivables, so you get paid in USD, EUR, GBP or local currency the same day.
Is Credible licensed and compliant?
Yes. Credible runs on registered money-services businesses: Kiwimoney Inc, registered as a Money Services Business with FinCEN in the USA, and Clyro Transfer Ltd., registered as a Money Services Business with FINTRAC in Canada. KYC, KYB, sanctions and transaction screening are built into every flow. See our licences page for details.
How do I get started?
Create an account, complete our async KYB review, and start calling the payments, payouts and accounts APIs in the sandbox. Move to live once you are verified. Need something bespoke? Talk to our team.
Licensed and compliant. See licenses →
Need a white-glove service? Talk to us.
For larger volumes, bespoke risk models, or regulated edge cases, our team will architect a payments setup tailored to your business.