What it does
Stablecoins are digital money that follows a normal currency, like the US dollar. InfraIO Pay lets a shop accept them online.
- Payment links: send a link and get paid. No code needed.
- Hosted checkout: a ready-made payment page for your site.
- Orders and refunds: see every payment, and refund a customer when needed.
- Several networks and stablecoins, so customers can pay the way they like.
- Test mode: try everything first with test money.
Who it is for
Online shops, creators, freelancers and developers who want to be paid in stablecoins.
How InfraIO Pay makes money
From a fee on each payment. The shop pays a small percentage, and only when a customer's payment goes through. There is no setup fee and no monthly fee. Failed payments cost nothing.
The fee schedule is public. You can see it on the pricing page.
What we never do: hold your money
Payments go straight to your treasury wallet. That is a wallet you own and control. InfraIO Pay never holds the money from your sales, and there is no balance to withdraw.
On some networks, each order gets its own payment address. The money then moves on to your treasury wallet automatically.
The InfraIO Wallet
InfraIO Wallet is a separate app for your own money. You hold the keys, on your own devices. InfraIO Pay cannot move your funds. See how the wallet works.
What about the IFO token?
IFO is the InfraIO Pay utility token. Its use is lowering platform fees. Holding IFO does not pay interest or any return, and nothing is promised about its price. Crypto assets can lose value. IFO is not offered in some countries. Read the facts about IFO.
Referral rewards
Merchants can refer other merchants. The reward is a share of the fee InfraIO Pay earns on the referred merchant's real payments. Nothing is paid for sign-ups, and the referred merchant's fee does not change. See the affiliate program.
Is it a Ponzi scheme? No.
A Ponzi scheme pays earlier people with later people's money. InfraIO Pay is a payment service. Shops receive their own customers' payments, and we earn a fee on each one. Here is the comparison. New to the idea? Read What is a Ponzi scheme?.
| Ponzi scheme warning sign | InfraIO Pay |
|---|---|
| Pays earlier people with money from newer people | No. Shops receive their own customers' payments. InfraIO Pay earns a fee on each payment. |
| Promises high or guaranteed returns | No returns are promised. It is a payment service, not an investment. |
| No real product or income | A working product that shops use to take payments. |
| Secret or complex way of making money | One public fee, shown on the pricing page. |
| Hard to get your money out | Payments go straight to your treasury wallet. There is no balance to withdraw. |
| Pushes you to recruit others | Referral rewards come only from fees on real payments. Nothing is paid for sign-ups. |
How to check for yourself
- Try it in Test mode with test money.
- Look at the fee schedule on the pricing page.
- Read the documentation.
- Every payment is a public transaction on the blockchain, so you can look it up on a block explorer.
A plain note on risk
Crypto assets are risky. Prices can fall, and a stablecoin can lose its peg. IFO has no promised return. Nothing on this page is investment advice.