100Pay Business Is the Only Account a Company Needs to Operate in the Global Digital Economy
From payment collection and card issuance to crypto wallets, IBAN accounts, agentic commerce, and borrowing — 100Pay Business brings the full financial stack under one roof for businesses of any size
100Pay today underscored the breadth of 100Pay Business, its all-in-one financial platform built for startups, growth-stage companies, and enterprises that need to move, manage, and build with money at a global scale. Available at business.100pay.co, 100Pay Business goes far beyond a payment gateway — it is a complete financial operating system that bridges fiat, crypto, stablecoins, agentic commerce, card issuance, lending, and developer infrastructure in a single business account.
Whether a company needs to accept payments from customers in 150 countries, issue debit cards to its own users, spin up crypto wallets across eight blockchains, generate IBAN accounts for cross-border settlements, or connect its services to the emerging network of AI agents through pay402 — 100Pay Business provides the infrastructure to do all of it, without stitching together a patchwork of vendors.
The Full Financial Stack, for Businesses
100Pay Business delivers everything the Portfolio by 100Pay app offers for individuals — payments, staking, borrowing, cards, and global money movement — but extended with the APIs, developer tools, and institutional-grade infrastructure that businesses need to build, scale, and operate.
Payment Collection — Accept payments across every major method: traditional debit and credit cards, bank transfers, and over 22 cryptocurrencies, with real-time conversion and QR code support. An embeddable checkout interface maximises conversion at every step, from online storefronts to physical points of sale. Recurring billing, invoicing, shareable payment links, and subscription management are all included.
Global Payouts — Send money to 150+ countries. Manage bulk disbursements, automate payouts via API, and reconcile transactions in real time — whether paying suppliers, contractors, or end users across borders.
Card Issuance — Issue branded Visa debit and credit cards to a business's own users through the 100Pay Cards API. Cards support USD, EUR, CAD, INR, and 22+ cryptocurrencies, with ATM access, Apple Pay, Google Pay, and up to $1 million in monthly spend limit. Businesses do not need to be card issuers themselves — 100Pay's infrastructure handles the complexity.
Wallet as a Service — Spin up real blockchain wallets for users across eight blockchain networks, with zero blockchain expertise required. Track deposits, check balances, execute transfers, and manage multi-user wallet infrastructure through a clean REST API. Built for fintechs, neobanks, exchanges, and any platform that needs to hold or move digital assets on behalf of users.
IBAN Accounts — Generate personal and business IBAN accounts for users, enabling seamless fiat settlements across international banking rails. Ideal for platforms that need to bridge their users into the traditional financial system while maintaining crypto and stablecoin capabilities.
Staking & Borrow — Businesses can put idle treasury assets to work through 100Pay's staking infrastructure, earning up to 24% APY, and access liquidity against those assets through the borrowing facility at 3% monthly interest.
pay402 Integration — 100Pay Business accounts connect natively to pay402, making it straightforward for any business to monetise its APIs for AI agents. Every API endpoint a business exposes through pay402 is automatically discoverable by agents on the network — turning developer services into recurring revenue streams without additional marketing or distribution effort.
Infrastructure Trusted by Real Businesses
100Pay Business is not a new idea looking for early adopters. It is already powering a range of companies across different verticals:
Bucket, an AI-powered bookmark manager, uses 100Pay Checkout to convert free users into paying Pro subscribers — achieving a one-tap checkout experience that takes users from sign-up to first payment in under four minutes.
PortfolioX, a consumer finance and social investing platform, leverages 100Pay's crypto payment infrastructure to power creator monetisation and premium content access, achieving over 60% payment completion rates across 15+ supported cryptocurrencies.
100x Market, a Naira-liquid crypto exchange, is built on 100Pay infrastructure — enabling users to fund trading accounts directly from Nigerian bank accounts with no friction, supporting NGN-paired markets including BTC, ETH, SOL, and BNB.
Shop100 uses 100Pay's infrastructure to let users buy and sell with cryptocurrencies, with 100Pay handling all blockchain complexity so the team can focus on growing the store.
Built for Every Stage and Every Use Case
100Pay Business is designed to serve companies from their first transaction to their largest. The platform supports e-commerce and retail, SaaS and subscription businesses, fintech startups and neobanks, marketplaces and multi-sided platforms, creator economy platforms, and enterprise treasury operations — each with tailored tools and documentation.
For developers, 100Pay provides REST APIs, client and server SDKs, webhook notifications for real-time payment events, OAuth 2.0 for acting on behalf of users, and subaccount infrastructure for marketplace escrow and per-user balance tracking. A comprehensive documentation hub, Academy resources, and direct support are available to reduce integration time and get businesses to revenue faster.
The core proposition is simple: rather than managing separate relationships with a payment gateway, a card issuer, a wallet provider, a cross-border transfer service, a lending platform, and an AI commerce layer, businesses using 100Pay Business manage one account, one integration, and one dashboard — with access to the entire global digital finance economy from a single point of entry.
Availability
100Pay Business accounts can be opened at business.100pay.co. Businesses can explore the full product suite, access API documentation, and go live with payments in minutes. Developer documentation, SDKs, and integration guides are available at business.100pay.co/docs. For enterprise enquiries or tailored onboarding, businesses can book a session directly through the platform.
About 100Pay
100Pay is an Africa-built fintech infrastructure company providing the financial primitives that power the next generation of global businesses. Its ecosystem — 100Pay Business, Portfolio by 100Pay, PayCard, 100Pay Staking & Borrow, pay402, and NanoChat — forms a unified financial operating system connecting fiat, crypto, stablecoins, and agentic commerce for individuals and businesses across 175+ countries.
Website: https://business.100pay.co Contact: [email protected]
100Pay Business products and API capabilities are subject to applicable regulations by jurisdiction. Card issuance, IBAN generation, and lending products may be subject to eligibility requirements. This release does not constitute financial or investment advice.
