AI-Optimized Checkout
Intelligent orchestration selects the optimal path for speed, cost, and success rate across every corridor.
Payments / Pay-in
Accept payments
everywhere your customers are.
Cards, UPI, Pix, SEPA, ACH, mobile wallets, and stablecoins — through a single Credible integration. AI-powered routing lifts approval rates while local methods give customers the experience they expect.
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Avg. approval rate
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Payment methods
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Markets supported
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Avg. authorisation
01 — Alternate Payment Methods
100+ payment methods.
One integration.
Add the methods your customers already use — cards, instant bank rails, real-time payments, mobile wallets, and stablecoins. Configure in minutes, not quarters.
Cards
Visa, Mastercard, AmEx, Discover, UnionPay, JCB, RuPay, Mada — with intelligent routing & 3DS.
- 3DS & SCA flows
- Network tokens
- Account updater
- Smart retries
Bank rails
ACH, SEPA, SEPA Instant, Fedwire, Faster Payments, BACS, IMPS, NEFT, RTGS.
- USD & EUR named accounts
- Direct debit mandates
- Open banking
- Wire reconciliation
Real-time & QR
UPI, Pix, PromptPay, PayNow, FPS, QRIS — instant, low-cost rails native to each market.
- QR & deep-link checkouts
- VPA & alias resolution
- Webhook confirmations
- Refund + dispute flows
Wallets & crypto
Apple Pay, Google Pay, Alipay, WeChat Pay, M-Pesa, GCash — plus USDC & USDT on Solana & EVM.
- Mobile-first checkout
- One-tap pay
- Stablecoin on-ramps
- Multi-chain settlement
02 — Supported payment methods
Every method, at a glance.
Filter by type or search for a specific scheme. Each row lists the regions, currencies, and capabilities Credible supports.
| Method | Type | Regions | Currencies |
|---|---|---|---|
 VisaCard network | Cards | Global | All major |
 MastercardCard network | Cards | Global | All major |
 American ExpressCard network | Cards | USEUJPAUCASG | USD, EUR, GBP, JPY + |
 Discover · DinersCard network | Cards | USCAMX | USD, CAD, MXN |
 UnionPayCard network | Cards | CNHKSGMYTHKR | CNY, HKD, SGD + |
 JCBCard network | Cards | JPSGKRTHIDMY | JPY, SGD, KRW + |
 RuPayDomestic card | Cards | IN | INR |
 madaDomestic card | Cards | SA | SAR |
 UPIReal-time payments | Real-time | IN | INR |
 PixReal-time payments | Real-time | BR | BRL |
 PromptPayReal-time payments | Real-time | TH | THB |
 VietQRReal-time QR | Real-time | VN | VND |
 PayNowReal-time payments | Real-time | SG | SGD |
 FPX · DuitNowReal-time payments | Real-time | MY | MYR |
 iDEALBank redirect | Bank rail | NL | EUR |
 BancontactBank redirect | Bank rail | BE | EUR |
 SEPA · SEPA InstantBank rail | Bank rail | EU | EUR |
 ACH · FedwireBank rail | Bank rail | US | USD |
 Faster PaymentsBank rail | Bank rail | GB | GBP |
 IMPSBank rail · Immediate | Bank rail | IN | INR |
 NEFTBank rail · National EFT | Bank rail | IN | INR |
 RTGSBank rail · Real-time gross | Bank rail | IN | INR |
 Apple PayMobile wallet | Wallet | Global | All major |
 Google PayMobile wallet | Wallet | Global | All major |
 AlipayMobile wallet | Wallet | CNHKSG | CNY, HKD, SGD |
 WeChat PayMobile wallet | Wallet | CNHK | CNY, HKD |
 M-PesaMobile money | Wallet | KETZ | KES, TZS |
 GCashMobile wallet | Wallet | PH | PHP |
 KlarnaBuy now, pay later | Wallet | EUUSUKAU | EUR, USD, GBP |
 PayPalWallet & checkout | Wallet | Global | All major |
 USDCStablecoin | Crypto | On-chain | USDC |
 USDTStablecoin | Crypto | On-chain | USDT |
03 — Features
Built for the way modern checkout actually works.
Access local payment rails, banks and wallets worldwide through a single integration — with AI-powered routing optimised for speed, cost and success rate on every corridor.
Seamless Global Reach
Enter international markets with a single integration. Support local payment methods worldwide.
Alternate Payment Methods
Add local payment methods at checkout, deposits and subscriptions in minutes — without re-architecting your flow.
AI-Driven Fraud Protection
Live risk assessment at the transaction level — block fraud without driving away good customers.
Stablecoin Settlement
Receive settlement on-chain on Solana, or to the bank via SEPA & ACH. You choose the rail.
Higher Approval Rates
AI-powered routing, local acquiring, and real-time retries lift authorisation rates on every transaction.
04 — Payment methods
Accept payments with cards
and local payment methods.
From card networks to instant bank rails — Credible supports the way your customers actually pay in every market you operate in.
01 · Cards
Card payments
Visa, Mastercard, AmEx, Discover, UnionPay, JCB, RuPay, mada — with intelligent routing & 3DS.
02 · Bank rails
ACH · SEPA · Fedwire
Accept payments through USD & EUR accounts with simple, seamless bank rails.
03 · Real-time
QR & UPI
Real-time QR-based and UPI payments in markets like India, Brazil, and Southeast Asia.
04 · Wallets
Mobile & stablecoin wallets
Bridge fiat and crypto with fast on/off-ramp, multi-currency wallets and compliant flows.
05 — Settlement
Settle in stablecoin
or fiat. Your treasury, your rules.
Receive pay-in collections directly to your wallet in USDC or USDT — on Solana, Ethereum, Polygon, Base or Arbitrum — or settle to bank via ACH, SEPA Instant, or Faster Payments. 24/7, instant, on-chain.
$
USDC settlement
Receive collections in USDC, the regulated dollar stablecoin issued by Circle.
- Solana
- Ethereum
- Polygon
- Base
- Arbitrum
- Optimism
₮
USDT settlement
Receive collections in USDT — the deepest-liquidity stablecoin across global crypto markets.
- Tron
- Ethereum
- Solana
- Polygon
- Avalanche
- BNB Chain
Fiat settlement
Prefer fiat? Settle to named USD, EUR or GBP accounts via ACH, Fedwire, SEPA Instant or Faster Payments.
- USD · ACH & Fedwire
- EUR · SEPA & Instant
- GBP · Faster Payments
- Named beneficiary
- Same-day settlement
Treasury controls
Hold balances in whichever asset you choose. Convert when it makes sense — not when the rail forces you to.
- 24/7 settlement
- Hold-and-convert
- Programmatic sweeps
- On-chain reconciliation
- Real-time visibility
06 — Industries
Pay-in for the industries
other gateways quietly decline.
01
Prediction Markets
High-velocity deposits, resolution-driven payouts.
02
Stablecoin Fintechs
Fiat on/off-ramps & on-chain reconciliation.
03
Creator Platforms
Tips, subs & instant payouts to creators.
04
Web3 Platforms
Wallet-to-fiat, fiat-to-wallet, programmable treasury.
05
Traders & Brokers
Margin top-ups & deterministic P&L withdrawals.
06
AI Startups
Usage-based billing & global card collections.
07
Gaming & Sports
In-game purchases, tournament payouts, fantasy.
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Entertainment Apps
Microtransactions, streaming top-ups, at scale.
Ready to accept payments globally?
Self-onboard, complete KYB, and put live transactions in front of users — without a sales gate to read the docs.