RedotPay Where Crypto Meets Real Life
PAYER FEATURE OVERVIEW.
Payer Scan & Pay Details
- Open the RedotPay app, tap the Scan icon, point at any VietQR (Vietnam) or QRPh (Philippines) code.
How to Pay
- Download RedotPay (iOS/Android) and complete identity verification (ID document + face scan + address).
- Fund your wallet with crypto: deposit BTC, ETH, USDT, USDC, TRX, and more.
- Open the app, tap the Scan icon in the top right.
- Point your camera at the merchant's QR code — dynamic codes pre-fill the amount, static codes require manual entry.
- Review the exchange rate and converted amount, then confirm payment.
- Your crypto balance is deducted and the merchant receives local fiat instantly.
Supported QR Standards
- VietQR — Vietnam's national QR standard for bank and e-wallet payments.
- QRPh — Philippines' national QR standard (InstaPay network), interoperable with GCash, Maya, and major banks.
Card-Based Spending (Global)
- Virtual cards available instantly upon KYC approval — use for online purchases anywhere Visa/MC is accepted.
- Physical card shipped to your address — use at any of 130M+ merchants and ATMs worldwide.
- Apple Pay and Google Pay supported — tap to pay with NFC at contactless terminals globally.
MERCHANT FEATURE OVERVIEW.
RedotPay Connect — B2B Stablecoin Gateway
- Single-integration API gateway enabling businesses to accept stablecoin payments from 700M+ global crypto users.
- Accept payments from MetaMask, Coinbase Wallet, and any Web3 wallet — no proprietary app required for payers.
How Merchants Integrate
- Register for a business account via the RedotPay Console at business.redotpay.com and complete KYB verification.
- Integrate the RedotPay Connect API into your checkout flow — documentation and SDK available post-onboarding.
- Payers connect their Web3 wallet, authorize the stablecoin payment, and your business receives instant fiat settlement.
- Settlement to bank accounts in USD, EUR, or GBP within the OpenPayd banking infrastructure.
QR Merchant Acceptance (In-Store)
- For QR Scan to Pay (Vietnam and Philippines), merchants display their existing VietQR or QRPh code.
- No special RedotPay terminal required — works with standard national QR codes already in use.
- Merchants receive local fiat (VND or PHP) via their existing bank or e-wallet — no crypto handling needed.
- RedotPay handles the crypto-to-fiat conversion on the payer side before the payment reaches the merchant.
Developer Capabilities
- RedotPay Connect API: payment creation, status polling, settlement reporting.
- AI-ready infrastructure: agentic payment endpoints for autonomous AI-driven transactions.
- Webhook callbacks for payment status updates and settlement confirmations.
THE REAL STORY.
- 7M+ users across 100+ countries — large consumer base for stablecoin spending
- Auto-conversion of crypto to fiat at point of sale — merchant receives local currency
- RedotPay Connect: B2B stablecoin gateway with instant USD/EUR/GBP settlement
- VASP-registered in Mexico, compliant presence in Bhutan
- Apple Pay and Google Pay via virtual cards — broad NFC acceptance
- Both static and dynamic QR with real-time FX conversion
- QR Scan to Pay limited to only Vietnam and Philippines
- Primary product is card-based (Visa/MC) — QR is secondary
- RedotPay Connect launched June 2026 — no established merchant track record
- Custodial wallet only — no WalletConnect-based payment for QR
- No public developer docs — API gated behind business registration
GENERAL QUESTIONS.
Yes — for QR Scan to Pay, payers must use the RedotPay mobile app (iOS/Android) to scan VietQR or QRPh codes. The app auto-converts the user's crypto balance to local fiat currency at the point of payment. However, for RedotPay Connect merchant checkout (B2B gateway), payers can use any Web3 wallet (MetaMask, Coinbase Wallet, etc.) without installing the RedotPay app. For global card spending, the virtual card can be added to Apple Pay or Google Pay for tap-to-pay without opening the RedotPay app.
For RedotPay Connect (B2B gateway), settlement to the merchant's bank account in USD, EUR, or GBP is processed instantly following successful stablecoin payment authorization. For QR Scan to Pay (Vietnam/Philippines), the merchant receives local fiat (VND/PHP) instantly via the national payment rails (VietQR/InstaPay) — funds appear in the merchant's existing bank or e-wallet account. Settlement speed is enabled by the OpenPayd banking infrastructure integrated with RedotPay's treasury operations.
RedotPay Connect publicly states fee reductions of "up to 70% compared to traditional card and bank payments" but exact merchant discount rates are not publicly disclosed — pricing is set per merchant during KYB onboarding. For QR Scan to Pay, merchants pay their existing bank/e-wallet QR acceptance fees (set by their local provider) — RedotPay does not charge merchants additional fees for QR Scan to Pay since the conversion and any spread are handled on the payer side. The payer pays no fixed fee beyond the live exchange rate spread. Some Philippine banks charge a ₱10 fixed fee on QRPh payments, which is shown before confirmation.
