Use cases
Payments built for the way you sell.
However your business takes money — a checkout, a subscription, a marketplace or a cross-border invoice — the same infrastructure handles it.
Acquiring, smart routing, recurring billing, payouts and chargeback protection sit behind one account, with PCI DSS Level 1 security and machine-learning fraud screening built in.
Accept payments in 150+ currencies across 190+ countries.
Find your model
Six ways to sell. One platform underneath.
Each model maps to the features that make it work.
E-commerce & Retail
Checkout that converts across markets.
Take card payments at checkout with authorization and capture handled cleanly, and sell into more than one market without standing up new infrastructure. Smart routing helps more of those payments get approved.
- Card acquiring with authorization and capture
- Accept payments in 150+ currencies, settle in your operating currencies
- Smart routing & cascading for higher approval rates
SaaS & Subscriptions
Recurring revenue that keeps running.
Bill customers on a schedule and let failed charges retry automatically, so revenue doesn't leak. Plan changes and renewals are handled as part of the billing flow.
- Recurring billing on a schedule
- Automatic retries on failed charges
- Plan changes and renewals
Marketplaces & Platforms
Take payments in, pay sellers out.
Collect from buyers and settle to your sellers from one place, with mass payouts when you need to pay many parties at once. B2B wallets hold balances between collection and payout.
- Split settlements to sellers
- B2B wallets for held balances
- Mass payouts in a single run
Digital Services
Bill for work, one charge or many.
Raise invoices and take one-off or usage-based charges as the work happens. The same fraud screening and routing apply to every transaction.
- Invoicing for one-off charges
- Usage-based and ad-hoc billing
- ML fraud screening on every charge
Education & Info Products
Sell courses and memberships, manage access.
Charge for courses and memberships with recurring billing, and tie payment status to access through API and webhooks. When a payment succeeds or lapses, your platform knows.
- Course and membership billing
- Recurring charges with automatic retries
- Webhooks to drive access on your side
Cross-Border B2B
Trade across currencies, reconcile in one place.
Accept payments in 150+ currencies and settle in the currencies you operate in, across 190+ countries. Unified reporting brings every channel together so reconciliation stays manageable.
- Multi-currency settlement to your operating currencies
- 150+ currencies accepted across 190+ countries
- Unified reconciliation across channels
One platform
Every channel, one source of truth.
However the money comes in, it reports out in one place.
Whether you sell through a checkout, a subscription or an invoice, payments flow into unified reporting and reconciliation — reachable through our API, webhooks and dashboard. One account, one view, fewer systems to keep in sync.
Build your payments on SterlingPay.
One account for acquiring, routing, recurring billing and payouts — across 190+ countries.
PCI DSS Level 1 secured · Registered MSB (FINTRAC, MSB N300000200).