E-Commerce & Marketplaces
E-commerce platforms and online marketplaces operate in a highly competitive global environment where customers demand fast, cost-efficient, and secure payment options. Legacy payment rails impose high fees, delayed settlements, and limited accessibility across many regions. 3PAY addresses these challenges with a stablecoin-native infrastructure that enables seamless, low-cost, and borderless transactions—unlocking scale and efficiency for digital commerce.
Challenges E-Commerce Businesses Face
- High transaction fees that compress already thin margins
- Settlement delays that disrupt cash flow and supplier payments
- Limited reach in regions where payment infrastructure is fragmented or unreliable
- Fraud exposure and costly chargebacks inherent to traditional card networks
How 3PAY Addresses These Challenges
3PAY delivers a stablecoin-native checkout infrastructure designed for global commerce. Payments settle instantly, fees are materially lower, and funds remain under the merchant’s control through a non-custodial model, reducing both counterparty risk and fraud exposure. Merchants gain the flexibility to off-ramp seamlessly into local currencies for operational needs or retain stablecoins to hedge FX exposure and reinvest in growth.
Recommended Setup
- Deposit Method: Hosted Checkout for rapid integration into online stores and marketplaces
- Payouts: Automated payouts for routine operations, with manual options for large-value settlements requiring oversight
- Settlement: Off-ramp into local currencies for suppliers and expenses, or retain stablecoins for treasury and growth strategy
Typical Payment Flow
Customer → Merchant Checkout → 3PAY → Merchant Wallet → Settlement / Payout- Customer completes purchase via stablecoin checkout.
- 3PAY verifies and confirms the payment on-chain in near real time.
- Funds are settled directly into the merchant’s non-custodial wallet.
- Merchant allocates funds to operations, supplier payments, or converts to local currency.
Why It Matters
With 3PAY, e-commerce platforms and marketplaces can:
- Deliver a truly global checkout experience with no borders or regional restrictions
- Reduce costs through a low, transparent fee model
- Improve cash flow with immediate settlement
- Strengthen trust and security by retaining full control of funds
Updated about 1 month ago