We operate two complementary payment products: Apay, a stablecoin wallet for India's local digital economy, and ChampsPay (mergepay), a global aggregation gateway for cross-border merchants. Below is each platform's positioning, capabilities and roadmap, plus business contact details.
A custodial digital wallet and payment platform where consumers, verified market makers and merchants move value instantly with APAY, a Polygon-powered stablecoin.
Create a wallet in seconds. Keys are managed by the platform with HSM/KMS protection — clean balance, QR receive codes, full transaction history.
Send and receive APAY by address or QR. Near-instant confirmation on the Polygon private chain with real-time INR/USD valuation.
Buy and sell APAY against INR through a network of rated, verified market makers. Live order tracking over WebSocket.
Lightweight SDK; customers confirm in-app via biometrics or transaction password; merchants get instant settlement and a clean ledger.
Top up from fiat and cash out to INR through the maker network. Rate quotes, limits and response times transparent before you commit.
L1 phone, L2 document (OCR) and L3 bank KYC tiers gate sensitive actions. AML thresholds, dispute arbitration, India data residency.
One API aggregates local payment channels worldwide (PIX / UPI / bank transfer / virtual accounts / e-wallets) — collect, disburse and reconcile across emerging markets, then settle the way you want.
Connect once and route across multiple underlying channels (champspay / globalpay / fampay / mpay) — switch, fail-over and optimise without re-integrating.
Accept local methods your customers already use: Brazil PIX, India UPI, bank transfer, virtual accounts, popular e-wallets — one collect endpoint.
Send funds to customers, suppliers or partners via bank, PIX, UPI or crypto. Batch payouts and automated reconciliation included.
Settle balances on-chain to a USDT address with transparent rates and a clear status lifecycle — ideal for cross-border treasury.
Role-based portals for operators, agents and merchants — orders, balances, settlements and statements in one place.
Blacklist management, risk rules, real-time monitoring and full order/settlement audit trails to keep your business safe.
Both platforms belong to the PaySeasy payment matrix but sit at different points of the payment value chain: Apay does "money & circulation", ChampsPay does "acquiring & settlement".
| Dimension | Apay | ChampsPay (mergepay) |
|---|---|---|
| Positioning | Stablecoin wallet / digital-asset circulation ecosystem | Aggregation acquiring / cross-border clearing & settlement |
| Core asset | APAY stablecoin (proprietary issuance) | Fiat + USDT (third-party channels) |
| Target market | India local (INR / UPI / +91) | Emerging-market cross-border (Brazil, India, etc.) |
| On-chain role | Polygon private chain, <3s on-chain settlement | USDT used for settlement only; consumer side not on-chain |
| User roles | Consumer / Market maker / Merchant | Merchant / Agent / Platform operator |
| Money flow | Top-up → circulation → withdrawal loop | Aggregate collect → route → settle & disburse |
| Settlement | APAY ⇄ INR (via market makers) | T+0 / T+n, fiat or USDT, your choice |
| Compliance focus | KYC L1–L3 / PDPB data residency | Risk blacklist / channel routing / audit trail |
| Typical client | India gaming/app users, local merchants | Cross-border e-commerce, platforms, global service providers |
mergepay.payseasy.com currently brands itself as ChampsPay. External materials should use "ChampsPay (mergepay)" to avoid confusion; if you want the site brand aligned with the domain, a rename can be unified later.
Whether you want to integrate Apay stablecoin acceptance or activate ChampsPay global aggregation, reach out via email or Telegram. Submit the form to open your email client pre-filled with your details.
Submitting opens your email client with the details below pre-filled, addressed to justtopay2025@outlook.com.