The World, On Your Terms
01Who we are
TopPay is a payments company, not a reseller of someone else's gateway. We hold the local connections, carry the licences, and run settlement ourselves — so a business in Europe, or anywhere else, can collect in Jakarta, São Paulo or Lahore through one integration, on terms it can audit. Thirteen markets are live today, each connected to the rails people there already use.
Local methods and cards
Local payouts and global rails
Clear and auditable files
02Our story
TopPay has been moving money on emerging-market rails for years. Nothing about the platform arrived in one launch: it has been upgraded corridor by corridor, and more of it is ours to run with every year.
The team came up running collections and payouts on local rails — virtual accounts, wallets, QR schemes, cash networks — in markets where a card-only stack simply fails.
As licences and direct connections landed, each corridor moved in-house: our own gateway, our own settlement, our own reconciliation, in place of coverage that used to be resold.
One API and one contract for every market we cover — operated by the same team that has been running these corridors from the start, and adding to them since.
03What we believe
We exist to place every payment method a market genuinely uses behind a single integration — and to leave every decision about how it is used with you. We hold the connections, carry the licences, and keep the ledger clean. Which methods appear at checkout, where the money settles, when a corridor opens: those are yours to call, and we build so that nothing quietly makes the call for you.
We hold the rails. You reserve the right to decide what runs on them.
Your mandate
Control is not a feature we grant on request. It is the default the platform is designed around.
Choose the methods, the order they appear, and the fallbacks. We publish performance per rail and let you act on it — we do not move your volume to suit ourselves.
Settlement currency, cadence, and destination accounts follow your treasury policy. Balances and reports stay visible while the funds are with us.
Status, settlement files, and reconciliation output are yours to export, so every figure you report to a board or an auditor is one you can prove.
Standard REST APIs, portable records, and no lock-in clauses. A partner worth keeping is one you are always free to leave.
04Global payment infrastructure
One API sits on four layers we operate ourselves. That is the difference between a payment partner and a PSP reseller: when a rail misbehaves, the fix is ours to make.
A REST API of our own: idempotent requests, signed webhooks, sandbox keys. One integration covers every market you switch on.
Direct connections to the wallets, bank transfers, virtual accounts, QR schemes and cash networks a market actually uses — more than 60 methods across 13 markets.
Collections converted and settled in local fiat or USDT, on your cadence, into the accounts your treasury nominates.
Smart routing with fallbacks you control, screening and monitoring per corridor, and reconciliation output built for the people who sign off the numbers.
Direct connections, licensed affiliates, and partner-delivered coverage are labelled separately in your contract, so you always know which layer carries your volume.
Why TopPay
Six things a payments partner owes you. These are the ones we build for — and the ones you can hold us to.
Remove the complexity of running several payment systems at once. One integration, one contract, one reconciliation file.
Smart routing sends each transaction down the rail most likely to approve it, so fewer good payments fail and cash arrives sooner.
End-to-end security with fraud prevention, named certifications, and compliance evidence you can put in front of an auditor.
Offer the local methods a market actually uses alongside global cards, with multi-currency settlement that follows your treasury policy.
A documented REST API, signed webhooks, and sandbox keys — so your team builds on payment technology that keeps moving.
Round-the-clock help from operators who have run the same corridor before, not a generic ticket queue that closes at five.
05Trust & compliance
Procurement and risk reviews do not run on adjectives. This is the posture we put in writing, with the entity behind each line.
Certifications & registrations
Cardholder data environment assessed to PCI DSS as a service provider.
Information security management certified under ISO/IEC 27001.
Registered money services business in Canada for cross-border payment operations.
Controls we operate
06Our vision
We are building toward a standard where opening Jakarta, São Paulo, Lagos or Lahore asks nothing of a business but a decision. No stack rebuilt per country. No coverage you cannot verify before you commit. One integration, an honest line between what we deliver directly and what a licensed partner delivers, and the freedom to expand, pause, or re-route without renegotiating your own business.
