CloudPay is the global payments and settlement infrastructure built for cross-border merchants. One integration lets you accept payments in 180+ countries and territories, with multi-currency settlement, instant exchange and in-store POS — all driven by a single API and risk engine.
From online stores to high-street shops, CloudPay connects the entire money flow on one account and one ledger: collection, reconciliation, settlement, FX and payouts — all in a single console.
Collect worldwide into one master account, with automatic currency detection and optimal local clearing routes to cut correspondent fees.
Settle on T+0, T+1 or weekly schedules to the account you choose, with every balance traceable back to the original transaction.
Convert incoming GBP to USDT and settle on-chain immediately, with the rate locked at order time to avoid inventory volatility.
Swipe, insert, contactless NFC and QR payments, with offline authorisation on weak networks and automatic catch-up afterwards.
A built-in rules engine and machine-learning scoring identify card testing, cash-out and abnormal transaction patterns in real time.
RESTful endpoints plus a webhook event stream, with SDKs and sample code so most teams go live in half a day.
Global card schemes, digital wallets, local transfer networks and stablecoin rails are all available at checkout — your customers choose, and you never integrate them one by one.
The same account and ledger, adapted per scenario — payment methods, settlement cycles and reconciliation views.
Connect your own storefront and every marketplace, and pool the funds into one master account — no separate entity per storefront. You decide the settlement currency and cadence.
Subscription plans, trials and dunning retries are built in, so smart recovery keeps involuntary churn as low as possible.
Terminals authorise offline up to configured limits, then catch up and settle automatically once connectivity returns — receipts and back-office ledgers always match.
Collect on behalf of your sellers and split funds to suppliers and couriers by rule, with money held in regulated accounts so the platform never has to front the cash.
One REST API and an event-driven webhook stream, with SDKs, sample code and idempotency built in. Payments, refunds, splits and settlements all use the same credentials.
# Create a £128.00 GBP payment and capture it immediately curl https://api.cloudpay.io/v1/payments \ -u sk_live_9f2c7a11e0: \ -H "Idempotency-Key: 8f1c-4a2b-9d30" \ -d amount=12800 \ -d currency=GBP \ -d payment_method=pm_card_visa \ -d capture=true \ -d "metadata[order_id]=CP-2024-0831" # → { "id": "pay_3Nx9", "status": "succeeded" }
// npm i cloudpay import CloudPay from 'cloudpay'; const cp = new CloudPay(process.env.CLOUDPAY_KEY); const payment = await cp.payments.create({ amount: 12800, // minor units currency: 'GBP', payment_method: 'pm_card_visa', capture: true, metadata: { order_id: 'CP-2024-0831' } }); console.log(payment.status); // 'succeeded'
# pip install cloudpay import os, cloudpay cloudpay.api_key = os.environ["CLOUDPAY_KEY"] payment = cloudpay.Payment.create( amount=12800, # minor units currency="GBP", payment_method="pm_card_visa", capture=True, metadata={"order_id": "CP-2024-0831"}, ) print(payment["status"]) # succeeded
// composer require cloudpay/cloudpay-php \CloudPay\CloudPay::setApiKey(getenv('CLOUDPAY_KEY')); $payment = \CloudPay\Payment::create([ 'amount' => 12800, 'currency' => 'GBP', 'payment_method' => 'pm_card_visa', 'capture' => true, 'metadata' => ['order_id' => 'CP-2024-0831'], ]); echo $payment->status; // succeeded
No setup fee, no monthly fee, no minimum volume. The more you process, the lower your rate — all visible in your dashboard.
Final rates follow the commercial terms agreed at onboarding; exchange is charged at the market rate plus 0.25%.
Payouts from our UK storefront used to take two weeks, so inventory cash was always tight. With CloudPay we moved to T+0 settlement and never have to tie up stock money again — even in peak season.
With 46 stores our biggest fear was losing sales when the network dropped. Offline authorisation gets us through the evening rush, and the next day's reconciliation balances to the penny.
GBP lands and we exchange it straight to USDT, which removes the FX and cross-border wire costs. The improvement in how fast our money moves is very obvious.
Usually your company registration document, ID for the director and ultimate beneficial owners, a business address and a short description of your business (website or store photos). Once everything is submitted you normally get an initial decision within one business day; some higher-risk sectors need supporting licences.
Yes. Starter settles weekly by default, while Growth and above support T+1 and T+0 accelerated settlement. Cycle, settlement currency and payout account can all be changed self-service under Settlement in the merchant portal, taking effect from the next cycle.
Exchange uses the live mid-market rate at the moment you place the order plus 0.25%. The rate is locked at order time and cannot be reversed after confirmation. Every conversion produces a full record including the on-chain hash, exportable from the merchant portal or via API.
Offline authorisation only works on paired terminals and is constrained by a per-transaction cap, a cumulative cap and a time window. Anything above the threshold is forced back online, terminals catch up automatically when the network returns, and the back office always matches store receipts.
With the standard SDKs most teams take their first live payment within half a day. For in-store payments you can simply install the APK — no additional development required.
As soon as a chargeback notice arrives we push an event and assemble the evidence pack — order details, delivery proof, communication history. You can submit a rebuttal from the merchant portal in one click, and our risk team steps in and tracks the outcome.
Apply online and submit your company details — you can be live and taking payments the same day.
