Pay anyone in any country. Get paid in any currency.
A buyer in Lagos pays you in naira. You are in Seoul. The money lands in under 5 seconds, you convert it to won in one tap, and you withdraw to your own bank. One-minute signup. No dollar account. No PayPal. No bank deciding whether your country counts.
You are paying a tax for living in the wrong country.
PayPal and Stripe were built for a few dozen countries. Everyone else gets higher fees, longer holds, or no account at all. Here is the bill.
Countries where Stripe opens a business account
Everywhere else, you are told to find a partner, a US entity, or another processor. PayPal lets people send from far more places than it lets them hold a balance or withdraw to a local bank.
PayPal's typical international fee
Before the 3% to 4% conversion markup on top. On a $10,000 month that is $600 to $900 gone before you see a cent of it, every month, for as long as you stay.
Hold on money that is already yours
Then rolling reserves for sellers in countries the processor labels high-risk, and a chargeback window that stays open for 180 days after you shipped.
Move the slider. That is your money.
Pick your monthly volume. The panel shows what each option takes in fees over a year when your buyers pay from another country and you convert to your own currency.
A fee is not a line item. It is a partner who takes 5% of every sale, holds your cash for a week, and can reverse a payment six months later. You did not hire that partner. Your country did.
The account is free. The switch takes an afternoon. Every month you wait, the number on the right is what it costs.
Competitor rates are typical published international rates as of October 2026 and vary by country, plan and currency. Fixed per-transaction fees are excluded, which favors the competitors. Bank funding and withdrawal fees from local partners are not included.
Local currency in. Local currency out.
Four steps, one platform. Nobody needs a dollar account, a crypto wallet, or a bank that approves of where they live. Signup is an email, a username and a password.
Or skip the conversion. Hold any currency, pay someone else with it, or convert later when the rate suits you.
Naira leaves Lagos. Won lands in Seoul.
One payment, start to finish. The names are examples. The steps, fees and timings are real.
No US dollars were bought or sold. No correspondent bank touched the payment. Adaeze paid what she sees on her bank statement. Min-jun chose when to convert.
A store, a Pay Button, or an embed. Live in three steps.
Open a store from your dashboard. Name it, pick the agent wallet that receives payments, pick the currencies you get paid in. Your Pay Button and embed code activate the moment you finish.
Open a store
A store is a payable identity for your business: a handle, a checkout page and a wallet that collects the money. Customers open it, pick their own currency, and pay. At the counter it works as a point of sale: enter the amount, show the QR code, done.
- Checkout page at your @handle
- Pick one or many payout currencies
- Team members with roles
- Sales dashboard and receipts
Drop in a Pay Button
A Pay with BananaCrystal button for any page, invoice or email. The link carries the amount. The payer chooses the currency they pay in, and you receive it as sent. No code, copy and paste.
- Fixed amount or open amount
- Works in emails, invoices, chat
- Buyer picks from 150+ currencies
- Confirmation in seconds
Embed the checkout
Put the checkout on any website. There is a WordPress and WooCommerce plugin with subscriptions, and the embed snippet works on Shopify, Wix, custom builds, or anything that accepts one line of HTML.
- WordPress and WooCommerce plugin
- Subscriptions supported
- Payment notification webhook
- Localized checkout, buyer picks currency
Everything in the box. Priced at 0.3%.
Most of this is sold separately by other providers, or is simply not available in your country. Here it is on one free account.
- ✓A multi-currency account that holds 150+ currenciesWhat a local bank's dollar account will not give you, and what PayPal limits to a short list.FREE
- ✓Local on-ramp and off-ramp in your countryBank transfer and mobile money in. Bank account out. Through a partner in every non-sanctioned country.INCLUDED
- ✓Payments addressed by email, username, @handle or agent nameNo 42-character wallet strings. If you know their email, you can pay them.INCLUDED
- ✓A store, a Pay Button and an embeddable checkoutWhat a payment gateway charges a monthly fee for. Live the moment you finish setup.INCLUDED
- ✓WordPress and WooCommerce plugin, with subscriptionsInstall, paste your store handle, start collecting.INCLUDED
- ✓Currency conversion at the live pool rateOne conversion, one fee, shown before you confirm. No spread buried in the rate.0.5%
- ✓Settlement in under 5 seconds, every hour of every dayNo cut-off times, no banking hours, no weekend queue.INCLUDED
- ✓No chargebacks, with escrow for large ordersTransfers are final. For big-ticket sales, funds sit in escrow with dispute resolution until both sides confirm.INCLUDED
- ✓USD Visa debit cardConvert any balance to USDb and spend it in 200+ countries.OPTIONAL
- ✓40 MCP tools so your AI agent can run all of itCheck balances, send, swap, withdraw. Spending limits and OTP approval on every transfer.FREE API KEY
1.99% to accept store, button and embed payments. 0.5% to convert between currencies. $0 a month. $0 to set up. $0 to leave, because there is nothing to cancel.
- Free account in one minute
- No contract, no minimum volume
- KYC only when you withdraw to a bank
- Fees shown before every confirm
One liquidity pool. 150+ currencies.
Every local currency on BananaCrystal is a stablecoin backed 1:1 by that currency held in reserve: NGNb, KRWb, USDb, EURb and more than 146 others. When Min-jun converts NGNb to KRWb, the swap clears against the shared pool at the live rate, with a 0.5% fee shown before he confirms and no spread hidden in the price.
- Backed 1:1 by fiat held in full. Reserves are verifiable on Hashscan.
- No banks in the middle, no correspondent chain, no cut-off times.
- Convert now, or hold and convert when the rate suits you.
- Every swap settles on the Hedera network in under 5 seconds.
How it compares to PayPal, Stripe and bank wires
The questions a seller outside North America and Western Europe actually asks.
| Question | PayPal | Stripe | Bank wire / SWIFT | BananaCrystal |
|---|---|---|---|---|
| Where can a seller sign up and withdraw to a local bank? | Available in many countries, but holding a balance and withdrawing locally is restricted or unavailable in a large share of them | Businesses in about 50 countries | Anywhere with a bank, with correspondent fees at each hop | Any country except sanctioned jurisdictions |
| How do you address the person you pay? | Email address | Card details on a checkout | Account number, SWIFT or IBAN, bank address | Email, username, @store handle, or an AI agent's name |
| Can the buyer pay in their own currency? | Yes, converted to the seller's currency at PayPal's rate | Yes, converted and settled to the seller's bank currency | Usually converted by the banks in the chain | Yes, and the seller receives that same currency |
| Can the seller hold the buyer's currency? | Only a limited set of balance currencies | No, settled to the bank account | No | Yes, any of 150+ |
| Fee to receive a payment | Typically 3% to 5% plus a fixed fee for international sales | 2.9% + fixed, plus 1% to 1.5% for international cards and 1% currency conversion | $10 to $50 per wire, often charged at both ends | 1.99% for store, button and embed payments · 0.3% for transfers |
| Currency conversion | Markup above the exchange rate, typically 3% to 4% | 1% | Bank spread, often 2% to 4% | 0.5%, at the live pool rate, shown before you confirm |
| When does the money arrive? | Minutes to days in the balance, then 1 to 5 days to a bank | 2 to 7 business days to the bank | 1 to 5 business days | Under 5 seconds between accounts; bank withdrawal through a local partner |
| Chargebacks and holds | Yes, disputes up to 180 days; rolling reserves common | Yes, disputes and reserves | No chargebacks, but recalls happen | No. Transfers are final, with escrow available for large orders |
| Who can use it | Individuals and businesses in supported countries | Businesses only | Anyone with a bank account | Individuals, businesses and AI agents, any supported country, free account |
Competitor figures are typical published rates for international payments as of October 2026 and vary by country, plan and currency pair. Check each provider's current pricing for your country.
Not for everyone. Probably for you.
We would rather you know in thirty seconds than find out in a month.
Skip this if
- Every customer you have is in the United States, pays with a US card, and 2.9% feels fair.
- You never need to hold or convert a second currency.
- You prefer a processor that holds your payout for a week and keeps a 180-day claim on it.
- Your bank already gives you an account in every currency you sell in.
This is for you if
- Even one customer, client or family member lives somewhere Stripe does not open accounts.
- You get paid in one currency and spend in another.
- You sell to or from Africa, Asia, Latin America or the Middle East.
- You are tired of a dollar middleman taking two bites out of every payment.
- Your AI agent needs to pay and get paid without you watching it.
Infrastructure built for every market
Live platform numbers, not projections.
Built for the people the big processors left out.
If your customers, clients or family are in a different country from your bank, this is for you.
Freelancers and remote workers
Get paid by clients in the US or Europe without opening a dollar account. Receive USDb or EURb, convert to your currency when the rate suits you, withdraw to your bank.
Online stores selling abroad
A shop in Seoul can sell to buyers in Lagos, Nairobi and Manila. Each buyer pays in their own currency. You receive it, convert it or keep it, with no chargebacks.
Marketplaces and platforms
Pay sellers, drivers or creators in 150+ currencies from one balance. Payouts land in seconds, in their local currency, with an on-chain receipt for every one.
Agencies and software companies
Bill clients in their currency, collect recurring payments through the WooCommerce subscriptions integration, and skip cross-border surcharges entirely.
Families and communities
Send money home in the currency your family actually spends. They receive it in seconds and withdraw through a local partner, or keep it as a balance.
Teams spread across countries
Run payroll in several currencies from one account. Fund once, pay each person in the currency of the country they live in, on the same day.
Everything on this page, callable by an agent
Stores take payments directly from AI agents, and the same transfers and currency swaps are exposed through the BananaCrystal MCP server: 40 tools, per-key spending limits, and OTP approval on every transfer. Give your agent a payable name and it can be paid like a person.
See agent payments → Claim an agent name →USD debit card
Convert any balance to USDb and load the Visa debit card. Spend in 200+ countries, online or at the counter, straight from the money you were paid.
Apply for the card →Regulated where it counts. Final where it matters.
What protects you, your customer, and the money in between.
Registered money services business
BananaCrystal is registered as a money services business with FINTRAC in Canada and FinCEN in the United States, and follows KYC and AML rules in every market it serves.
KYC when it matters
Fund your wallet and pay other users without verification. Identity verification is required when you withdraw to a bank account, in line with our obligations as an MSB.
1:1 reserves, verifiable
Every currency stablecoin is backed by fiat held in full. No fractional reserve. Holdings can be checked on Hashscan by anyone, at any time.
Transfers are final
No chargebacks. Sellers keep what they are paid. Buyers get an on-chain receipt within seconds that neither side can alter afterwards.
Escrow for larger deals
For high-value sales and peer-to-peer trades, funds sit in escrow with dispute resolution until both sides confirm delivery.
Immutable audit trail
Every transaction is written to the Hedera consensus layer: timestamped, tamper-proof, and publicly verifiable, which also makes bookkeeping simpler.
Questions people ask before their first payment
LAST REVIEWED: OCTOBER 2026
Your customers already have a currency. Let them pay in it.
Open your free account now. Set up a store, a Pay Button or an embed tonight. Take your first payment from any country tomorrow, in seconds, with no chargeback hanging over it.
The account is free. The fees are lower. The only cost is every month you wait.
NO FUNDS COMMITTED UNTIL YOU MAKE YOUR FIRST PAYMENT · NOTHING TO CANCEL