150+
Currencies accepted
Currencies and countries, handled
Accept payments in 150+ currencies, settle in the currencies you operate in, and reach customers across 190+ countries from one account.
One account. Two ways to move money.
Payments built for business. A wallet built for you.
SterlingPay is a single secure platform: process payments at scale on the business side, and hold and move money in EUR, GBP and USD on the personal side.
Whether you're taking card payments across borders or keeping three currencies in one place, it runs on the same account, the same security, and the same standard of care.
No setup fees to get started. PCI DSS Level 1 secured.
One account, two productsVerified
Business
Accept
Card payments in 150+ currencies
Screen
ML anti-fraud on every transaction
Route
Smart routing to the best path
Wallet€EURBalance
£GBPBalance
$USDBalance
One verified identity moves money across both sides.
Built on standards you can check.
PCI DSS Level 1
The highest tier of payment security, applied across the platform.
Registered MSB
Money Services Business registered with FINTRAC (Canada), MSB N300000200.
190+ countries
Reach customers and move money across the markets that matter.
ML anti-fraud
Machine-learning fraud screening on every transaction.
Operated by Sterling Path Pay Limited, Vancouver.
Direct integrations with global payment networks
VISAMastercardAmexSEPASWIFT
One login, two products
Choose your side. Keep one account.
Most people come for one thing and stay for both. Your business tools and your personal wallet live under the same roof.
For business
Accept payments. Route them intelligently. Get paid more often.
Card acquiring, smart routing, recurring billing and B2B payouts — the infrastructure to take payments in 150+ currencies and settle in the currencies you operate in.
For people
Hold EUR, GBP and USD in one wallet.
Top up by card, send money to other SterlingPay users in seconds, and verify your identity once to unlock the full wallet.
Why SterlingPay
Serious infrastructure, without the friction.
Four things we hold ourselves to, on both sides of the platform.
Bank-grade by default
PCI DSS Level 1 compliance and machine-learning fraud screening protect every payment, so security is never something you bolt on later.
More payments that go through
Smart routing and cascading send each transaction down the path most likely to succeed, lifting approval rates and recovering revenue that would otherwise be lost.
Business and personal, together
Run your merchant payments and hold your multi-currency wallet under a single verified identity — no second sign-up, no separate world.
How it works
From checkout to settlement, in four steps.
The same clear path, whether the payment is a customer at checkout or a transfer between people.
1. Accept
A customer pays by card, or a user tops up the wallet. We accept payments in 150+ currencies on the business side.
2. Screen
Every transaction is checked by our machine-learning anti-fraud system in real time, before it's approved.
3. Route
Smart routing and cascading pick the path most likely to be approved, so good payments aren't turned away.
4. Settle
Funds settle in the currencies you operate in, or land in your EUR, GBP or USD wallet ready to use.
Chargeback protection works alongside fraud screening to defend your revenue after the sale.
Solutions
Built for the way you actually take money.
Pick the pieces you need today; the rest are ready when you grow.
Accept cards, everywhere
Take card payments across 190+ countries with high approval rates and fraud screening built in.
Recover lost transactions
Route each payment intelligently and cascade declines to alternative paths, so more attempts end in success.
Subscriptions that just run
Bill on a schedule, retry failed charges automatically, and keep recurring revenue flowing.
Pay many parties at once
Hold balances in business wallets and send mass payouts to suppliers, partners and contractors from one place.
Defend your revenue
Reduce the cost and noise of disputes with protection that works alongside real-time fraud screening.
Connect your stack — plug into the tools you already use
- Shopify
- WooCommerce
- Magento
- OpenCart
- Pay.On
- QuickPay
- Custom API
- Shopify
- WooCommerce
- Magento
- OpenCart
- Pay.On
- QuickPay
- Custom API
- Shopify
- WooCommerce
- Magento
- OpenCart
- Pay.On
- QuickPay
- Custom API
For developers
Clean APIs, honest documentation.
Connect SterlingPay to your stack and start taking payments without fighting the integration.
A modern API, clear docs and a sandbox to test against mean your team can build, verify and ship with confidence — and lean on PCI DSS Level 1 security from day one.
Test in sandbox before you go live.
process_payment.js
const sterlingpay = require('sterlingpay-node');
// Initialize client
const client = new sterlingpay.Client({
apiKey: 'pk_live_8e92...'
});
// Create payment intent
const payment = await client.payments.create({
amount: 25000, // $250.00
currency: 'USD',
payment_method: 'card',
risk_level: 'any'
});
console.log(payment.status);
// Output: 'succeeded'Multi-currency wallet
€
EUR
£
GBP
$
USD
•••• 0000Held balances
The SterlingPay Wallet
Three currencies. One simple wallet.
Hold EUR, GBP and USD together, top up by card, and send money to other SterlingPay users in seconds.
Multi-currency balance
Keep euros, pounds and dollars side by side, ready when you need them.
Card top-up
Add funds straight from your card and your balance is ready to use.
Send between users
Move money to anyone on SterlingPay quickly, with fraud screening behind every transfer.
Verify to unlock
Complete identity verification once to open up the full wallet — a quick step that keeps everyone's money safer.
Open your wallet
Wallet balances are held in EUR, GBP and USD.
Global by design
Reach further. Settle where you operate.
SterlingPay is built to move money across markets, not around them.
Accept payments in 150+ currencies, settle in the currencies you operate in, and serve customers across 190+ countries — all from one account.
150+
Currencies accepted
Business acceptance
190+
Countries reached
From one account
3
Wallet currencies
EUR · GBP · USD
“150+ currencies” describes the payments your business can accept. The personal wallet holds EUR, GBP and USD.
Trust & compliance
Regulated, registered, and built to be checked.
We'd rather show you the paperwork than make a vague promise.
SterlingPay is operated by Sterling Path Pay Limited, registered as a Money Services Business with FINTRAC in Canada (MSB N300000200). The platform holds PCI DSS Level 1 compliance, screens transactions with machine-learning anti-fraud, and verifies identity through KYC.
PCI DSS Level 1
The highest level of payment-card security.
KYC / identity verification
We confirm who's on the platform.
ML anti-fraud
Automated screening on every transaction.
Registered MSB
FINTRAC, Canada · MSB N300000200.
Legal entity: Sterling Path Pay Limited, Vancouver.
One account, both products
Open SterlingPay today.
Take payments on the business side, hold EUR, GBP and USD on the personal side — one secure account for both.
PCI DSS Level 1 secured · Registered MSB (FINTRAC, MSB N300000200).