The money arrives with the payment
TIME TO MONEY
ON-CHAIN
Same tx
Card payments: 1–3 business days
There is no settlement run and no payout schedule. The contract pays your wallet in the same transaction the customer signs.
Non-custodial stablecoin payments
Get paid in stablecoins. Straight to your own wallet.
Accept and send USDC and EURC through one API. Payments settle in the same transaction, and Rayl never holds your funds.
Book a demo
$0
Held by Rayl, ever
1%
Per payment on Checkout, 0% on Rail
4
Chains: Ethereum, Base, Arbitrum, Optimism
What changes
What changes when payments settle on-chain
Every payment matches its invoice
PAYMENT INTENT
CONFIRMED
Invoice 2026-114 · 1,250.00 USDC
Verified wallet 0xc6CE…39Cd
→ You
Rayl signs the amount, token and receiving wallet before anyone pays. A transfer that doesn’t match the terms simply doesn’t go through.
Weekends stop mattering
SUNDAY
SETTLED
SAT 00:00
MON 09:00
Supplier invoice · 18,400 USDC
Arbitrum · ~12 blocks
02:14
Blockchains don’t close for bank holidays. A supplier payment at two on a Sunday morning settles like one on a Tuesday afternoon.
Nobody sits on your money
YOUR FUNDS
NON-CUSTODIAL
Held by Rayl
$0
Fee on Checkout
1%
Fee on Rail
0%
Payments move from the customer’s wallet to yours. There is no Rayl balance to freeze, lend out or lose.
How it works
Four steps, and every one leaves a trace
Rayl signs each payment’s terms before the customer pays, and a smart contract enforces them. Anything that doesn’t match the signed terms is rejected on-chain.
Create an intent
Your server sends an amount and a token. Rayl prices the payment and signs its exact terms: amount, token, your wallet, fee and expiry.
Customer pays
The customer pays from their own wallet, in USDC or in another token that is swapped to USDC inside the same transaction.
Contract settles
Rayl’s contract checks the signature and pays your verified wallet in the same transaction. On Checkout it splits off the 1% fee as it passes.
You get notified
Rayl waits about 12 blocks for finality, then sends your server a signed webhook. That is your signal to ship.
Create an intent
Your server sends an amount and a token. Rayl prices the payment and signs its exact terms: amount, token, your wallet, fee and expiry.
Customer pays
The customer pays from their own wallet, in USDC or in another token that is swapped to USDC inside the same transaction.
Contract settles
Rayl’s contract checks the signature and pays your verified wallet in the same transaction. On Checkout it splits off the 1% fee as it passes.
You get notified
Rayl waits about 12 blocks for finality, then sends your server a signed webhook. That is your signal to ship.
Pricing
Pay per payment, or not per payment at all
Checkout
Start accepting stablecoins this week, with hosted checkout pages and payment links. No monthly fee.
1%
per payment, minimum 0.05
- Hosted checkout and payment links
- Promo codes and custom fields
- Customers can pay with any token
- No monthly or setup fee
Rail Starter
0% PER PAYMENT
For platforms with volume. A flat monthly plan, so 100% of every payment reaches your wallet.
$49
per month
- 1,000 payments and $100,000 volume a month
- 200 payouts and $50,000 payout volume a month
- Instalments, even across chains
- Batch payouts with spend controls
- Your own frontend, same API
Rail Growth
For marketplaces, payroll platforms and high-volume billing.
$149
per month
- 5,000 payments and $500,000 volume a month
- 2,000 payouts and $500,000 payout volume a month
- Higher API rate limits
- Enterprise plans without limits on request
FAQ
What people ask first
Still have questions?
Send us a message and we’ll get back to you quickly.
Does Rayl ever hold my money?
No. Payments go from your customer’s wallet through Rayl’s contract to your wallet in one transaction. The contract keeps no balance between transactions, so there is nothing for Rayl to freeze or lose.
How does Rayl take its fee?
On Checkout, the contract splits each payment as it passes: 99% to your wallet and 1% to Rayl, in the same transaction, with a minimum fee of 0.05. On Rail there is no fee in the transaction at all, only a monthly plan.
Which chains and tokens are supported?
USDC on Ethereum, Base, Arbitrum and Optimism, and EURC on Ethereum. Customers can also pay with ETH or other tokens, which are swapped into your settlement stablecoin inside the same transaction.
What happens if a payment fails?
The money never leaves the customer. If the signature, amount, token or deadline doesn’t match, the whole transaction reverts and the customer only loses the network fee. Each payment can also only be made once, so the same invoice can’t be paid twice on a chain.
Who pays the gas fees?
The customer pays the network fee on their own payment, usually a few cents on Base, Arbitrum or Optimism. When Rayl carries out refunds and payouts you have approved, Rayl covers that gas.
Can a customer reverse a payment?
No. Stablecoin payments are pushed by the payer, so there are no chargebacks. A refund is a new payment you send back, in full or in part, either from your own wallet or automatically through Rayl.
