IX PAY supports settlements and payouts in USDT, USD, EUR, CNY, THB and VND. Pricing is calculated separately for each currency, because the cost of a route depends on the currency, country, payout method, volume, business risk and partner terms. Final currencies, limits, fees and settlement order are fixed in the commercial offer and contract.

Payouts arrive along a pre-agreed route in USDT, USD, EUR, CNY, THB or VND. The schedule depends on the country, currency, volume, contract terms and partner requirements, and payouts can run on a schedule, on request or after a minimum amount is reached. Before a payout, operations pass the required checks; if there is a dispute, a risk flag or a document request, a payout can be temporarily held.

After the customer pays, the operation appears in the system with a status right away. Speed depends on the payment method, currency, bank, processing partner and any security checks. In a standard scenario an operation is confirmed quickly, but individual payments may go to an additional review if risk factors are detected. The payout to the business is calculated separately and depends on the schedule, currency and connection terms.

A refund is issued through IX PAY at the business's initiative. The request can be created instantly, after which funds are returned to the customer; actual arrival takes up to 7 business days depending on the bank, route and currency. If a customer requests a refund and the business cannot confirm the service was provided, the business covers the refund amount plus an additional fee of 2% of the operation. Repeated violations can lead to the business being disconnected from the service.

IX PAY works with businesses in Vietnam, Thailand and Indonesia. Conditions can differ by country: available currencies, payout timing, limits, document requirements and partner requirements. Before launch the team reviews your scenario and selects a route to fit the country, currency and operating model.

Regular acquiring usually solves one task: accept a card or local payment within one country and one banking system. IX PAY works more broadly, bringing together different payment routes, currencies and partners. You accept payment from the customer and receive settlements in the currency you need: USDT, USD, EUR, CNY, THB or VND, plus a dashboard, statuses, reports, reconciliation, support and the option of API integration.

No. IX PAY is not a bank and is not a classic acquirer. It is a SaaS platform and payment infrastructure that brings together different payment routes, currencies and partner solutions in one interface. A bank or licensed financial partner handles the financial operation within its role, while IX PAY is responsible for the contract, platform, dashboard, routing, statuses, reports and support.

You sign the contract with IX PAY, while the actual processing of payments goes through connected banking, processing and payment partners. IX PAY does not hold funds like a bank: money moves through the partners' infrastructure, which handles acceptance, processing, conversion and payout along the agreed route. In the IX PAY dashboard you can see operations, statuses, amounts and payout history.

Security is built on a separation of roles. IX PAY is responsible for the contract, platform, dashboard, routing, statuses, reporting and support. A bank or payment partner is responsible for carrying out operations and for its own verification, risk-control and compliance procedures. The business is responsible for the legality of its activity, the accuracy of documents and confirming that services were provided; if a service is not confirmed on a refund, the business covers the amount plus a 2% fee.

IX PAY uses your data only for connection, verification, supporting operations, reporting and meeting partner requirements. Access is limited by role, and the system keeps only what is needed for the service, verification and fulfilling the contract. Payment and banking data is processed through the partners' infrastructure. Protection relies on access limits, secure data transfer, action logging and internal security procedures.

IX PAY connects businesses operating in Vietnam, Thailand and Indonesia, with a focus on companies that work with Russian-speaking customers and want to receive settlements in USDT, USD, EUR, CNY, THB or VND. Legal entities with a clear activity, proper documents and a clear operating model can connect. Whether a specific company can be connected depends on verification, country, business category, volumes and the partner's requirements.

Yes, an application can be declined. Common reasons include an unclear business model, an incomplete document set, inability to confirm the activity, missing licenses, high fraud risk, sanctions restrictions, prohibited goods or services, a suspicious operation history or inability to confirm the source of funds. A bank or processing partner can also decline if the business does not meet their risk, compliance or operational-security requirements.

Pricing is individual, and rates are built separately for each currency: USDT, USD, EUR, CNY, THB and VND. The fee is affected by the accept and payout currency, country, volume, type of activity, risk level, payout method and frequency, and partner requirements. The total can include the payment partner's fee, the IX PAY service fee, a conversion spread and a payout fee. All terms are fixed before launch in the offer and contract.

IX PAY works on pre-agreed terms. Fees, rates, currencies, payout timing, refund conditions and any possible costs are discussed before launch and fixed in the commercial offer or contract. A subscription, integration, API, white-label or custom-development charge applies only if separately agreed. There should be no hidden fees, since all conditions are known in advance.