Enterprise payment infrastructure
One payment layer for fiat rails, crypto rails and settlement.
RightRates gives merchants and platforms one enterprise integration to accept, route, convert and settle payments across cards, bank methods, local rails, crypto networks and stablecoins — subject to region, compliance and partner approval.
RightRoutes, with RightRates. · 24/7 human support — UK & Europe-based team. · 15+ payment methods. One integration. · T+0 settlement where supported. · Built for high-volume operators and global merchants.
AVAILABLE ROUTES · 8SAMPLE
ROUTE FEE 0.62% INCLUDED · NETWORK FEES AT COST · SHOWN BEFORE YOU COMMIT
PREVIEW ONLY. LIVE PRICING AND AVAILABILITY AFTER ONBOARDING APPROVAL.
- Global coverage
- Fiat and crypto rails
- Traditional payment methods
- UnionPay acceptance
- Merchant onboarding
- Stablecoin settlement
- KYC/KYB workflows
- API-first integration
- High-volume support
- 24/7 human support
CAPABILITIES SUBJECT TO APPROVAL, REGION AND PARTNER AVAILABILITY
Payment ecosystem
One layer. Every rail that matters.
AVAILABILITY VARIES BY REGION, INDUSTRY AND COMPLIANCE APPROVAL
- CARDSVisa
- CARDSMastercard
- UnionPayCARDS · WHERE SUPPORTEDUnionPay
- WALLETSApple Pay
- WALLETSGoogle Pay
- BANK RAILSOpen Banking
- BANK RAILSBank Transfer
- SEPAEU TRANSFERSSEPA-style
- FPSUK TRANSFERSFaster Payments-style
- ACHUS TRANSFERSACH-style
- SWIFTINTERNATIONAL WIRESSWIFT-style wires
- PIXBRAZIL · INSTANTPIX
- iDEALNETHERLANDSiDEAL
- blikPOLANDBLIK
- 40+ REGIONAL RAILSLocal Methods
- BTC
- ETH
- SOL
- TRX
- BASE
- POLYGON
- USDT
- USDC
MARKS INDICATE CATEGORIES OF SUPPORTED PAYMENT RAILS AND ASSETS — NOT PARTNERSHIP OR ENDORSEMENT CLAIMS. ROUTES ARE PROVIDED THROUGH APPROVED PAYMENT PARTNERS.
01Platform
Built for merchants that need more than a standard checkout.
Fiat rails, crypto rails and settlement logic under one operational layer. Each module works alone; together they replace a stack of point integrations.
01
Fiat to crypto on-ramp
Let users move from fiat into supported digital assets through cards, bank methods and wallets — delivered to the destination you specify, where supported.
02
Crypto to fiat off-ramp
Convert supported digital assets into fiat settlement routes, with payouts through approved local payment methods depending on jurisdiction.
03
Traditional payment methods
Cards, bank transfer, open banking, wallets and local methods — one integration, available where supported.
04
Multi-provider quote comparison
Every request is priced across approved providers and ranked by rate, fees, speed and coverage — volume flows down the best available route.
05
Merchant checkout and hosted flows
Hosted checkout, embedded widgets or fully API-led sessions. Same routing logic, same event stream, your brand in front.
06
Settlement and reconciliation
Reconcile fiat, crypto and stablecoin movement against a single, audit-ready event record — per transaction, per route, per settlement batch.
02Payment methods
Traditional rails and digital rails, side by side.
Method availability varies by region, compliance profile, industry and approved partners. Your integration stays the same as coverage grows.
Cards
Where supported
- Visa
- Mastercard
- UnionPay
- Debit and credit card acquiring
Wallets
Where supported
- Apple Pay
- Google Pay
- Wallet checkout flows
Bank rails
Depending on jurisdiction
- Bank transfer
- Open banking
- SEPA-style transfers
- Faster Payments-style transfers
- ACH-style transfers
- Local bank methods
Crypto and stablecoins
Where supported
- Bitcoin
- Ethereum
- Solana
- Tron
- Base
- Polygon
- USDT-style stablecoins
- USDC-style stablecoins
Settlement options
Through approved payment partners
- Fiat settlement
- Crypto settlement
- Stablecoin settlement
- Local payout routes
Traditional methods → USDT settlement
INDICATIVE · SUBJECT TO APPROVAL
SETTLEMENT WINDOWS VARY BY METHOD, REGION, RISK PROFILE AND APPROVED PARTNER. T+0 AVAILABLE ON SUPPORTED ROUTES AFTER COMPLIANCE APPROVAL.
Named schemes and networks indicate categories of supported rails, not partnership claims. Every route is subject to compliance approval and regional availability.
03Supported assets
Major assets. Major networks. One ledger.
Buy, sell and settle across leading digital assets and networks — coverage per asset depends on region, merchant category and approved partners.
BTC
Bitcoin
BITCOIN
ON-RAMPOFF-RAMPSETTLEETH
Ethereum
ETHEREUM · BASE
ON-RAMPOFF-RAMPSETTLESOL
Solana
SOLANA
ON-RAMPOFF-RAMPTRX
Tron
TRON
ON-RAMPOFF-RAMPUSDT
Tether
TRON · ETHEREUM · SOLANA
ON-RAMPOFF-RAMPSETTLEUSDC
USD Coin
BASE · ETHEREUM · SOLANA · POLYGON
ON-RAMPOFF-RAMPSETTLEBASE
Base
BASE
NETWORKPOL
Polygon
POLYGON
NETWORK
Asset and network coverage is indicative of platform design, expands over time, and is always subject to compliance approval and regional availability. Additional assets available on request.
04Infrastructure
A routing engine, not a payment button.
Route by rate, speed, coverage and compliance fit. One integration; multiple approved routes competing for every transaction.
METHOD ROUTING · GBP → USDT
- OPEN BANKING · UK► BEST0.62%
- UNIONPAY · CARDS~45s1.94%
- SEPA INSTANT~2m0.80%
- WALLET CHECKOUT~30s2.10%
RISK / KYC
QUOTE COMPARISON
FIAT → CRYPTO
SEND
£1,000.00
RECEIVE · TRON
1,208.40 USDT
CRYPTO → FIAT
SEND
2.500 BTC
SETTLE · EUR
€212,480.00
SETTLEMENT
- ST-88231USDT · TRONSETTLED
- ST-88230GBP · FPSSETTLED
- ST-88229USDC · BASEIN TRANSIT
- ST-88228EUR · SEPAQUEUED
API EVENTS
- 01
Request enters RightRates
A merchant transaction arrives with country, currency, payment method, amount, risk profile and target asset.
request.received
- 02
Eligibility resolved
Region, compliance profile and merchant category determine which rails and providers are in scope.
eligibility.resolved
- 03
Quotes checked across approved providers
The request is priced simultaneously across every approved route able to serve it.
quote.compared
- 04
Best available route selected
Routes are ranked by rate, fees, speed, coverage and compliance fit. The best route wins the transaction.
route.selected
- 05
Checkout session created
A hosted, embedded or API-led session is issued for the selected route.
checkout.session.created
- 06
Status events streamed
Webhooks report every state change — pending, processing, completed, failed — normalised across providers.
webhook.dispatched
- 07
Settlement and reconciliation
Funds settle to your fiat, crypto or stablecoin preference with an audit-ready record per movement.
settlement.completed
Route selection criteria
Rate
Effective exchange and acquiring rate per route
Fees
Processing, network and total cost of the route
Speed
Estimated time to confirmation and settlement
Coverage
Regional and method availability for the customer
Compliance fit
Risk tier, category and jurisdiction alignment
ONE INTEGRATION. MULTIPLE APPROVED ROUTES.
05Developers
Integrate once. Ship every rail.
A clean, versioned API with predictable objects: projects, sessions, quotes, transactions, events. Sandbox first, production when approved.
01const rightrates = new RightRates({02 projectId: "rr_live_9f2ea41c",03 environment: "production"04})05 06const session = await rightrates.checkout.create({07 type: "fiat_to_crypto",08 fiatCurrency: "GBP",09 cryptoCurrency: "USDT",10 network: "tron",11 amount: "1000",12 redirectUrl: "https://merchant.com/complete"13})14 15// session.url → hosted checkout on the best route01{02 "event": "settlement.completed",03 "orderId": "ord_7d31c9",04 "route": "open_banking_uk",05 "settled": { "asset": "USDT", "network": "tron" },06 "signature": "sha256=9f2e…a41"07}01
Hosted checkout
A complete payment page on RightRates infrastructure — fastest path to live.
02
Embedded widget
Drop the flow into your own product with a single script and project ID.
03
API sessions
Full control: create sessions, quotes and orders server-to-server.
04
Webhooks
Signed status events for every transaction state change.
05
Quote comparison
Query ranked quotes across approved routes before you commit.
06
Transaction status
Normalised lifecycle states across every underlying provider.
07
Partner dashboard
Operations, reporting and reconciliation in one console.
08
Multi-tenant projects
White-label ready: separate environments, keys and reporting per brand or region.
06Use cases
Designed for operators that outgrow single-provider setups.
Conversion, coverage, less friction, faster settlement, fewer integrations, more payment optionality — the same layer, applied to different businesses.
- 01
iGaming and digital entertainment
Higher acceptance on deposits, more payment optionality for players, and settlement that keeps pace with volume — within your licensing and compliance envelope.
ACCEPTANCE · SETTLEMENT SPEED
- 02
Crypto wallets and trading platforms
On-ramp and off-ramp inside your product. Users fund and withdraw without leaving; you keep the relationship and the flow.
IN-PRODUCT RAMPS
- 03
Fintech apps
Add fiat-to-crypto, crypto-to-fiat and local rails without building provider integrations one by one. One API, one reconciliation surface.
ONE API · ONE LEDGER
- 04
DeFi and Web3 platforms
Give users a compliant path between bank money and on-chain positions, with KYC and monitoring handled in the flow.
COMPLIANT ON/OFF-CHAIN PATH
- 05
NFT and digital asset marketplaces
Let buyers pay with the method they already trust — card, bank or wallet — and settle to the asset side you operate on.
FAMILIAR METHODS
- 06
High-volume international merchants
Fewer integrations, more coverage. Route each market to its best rail and settle in fiat, crypto or stablecoin by preference.
COVERAGE · FEWER INTEGRATIONS
- 07
Introducers and payment consultants
Bring merchants a routing layer instead of a single provider. Partner arrangements available for qualified introducers, subject to approval.
PARTNER PROGRAMME
DON'T SEE YOUR MODEL? DESCRIBE IT IN AN INQUIRY — EVERY ROW ABOVE LEADS THERE.
Why RightRates
The layer operators move to — and stay on.
01
One integration, every rail
Cards, bank rails, local methods, crypto and stablecoins behind a single API — retire the point-integration stack.
02
Best route, every transaction
Quotes are compared across approved providers on rate, fees, speed and compliance fit before anything is committed.
03
Settlement that keeps pace
T+0 available on supported routes; fiat, crypto or stablecoin settlement by preference, with audit-ready records.
04
A desk for the hard flows
Non-standard corridor? The BrokerDesk maps bespoke routes — or gives you a straight no within two business days.
05
Compliance built in, not bolted on
Region-aware availability, KYB, monitoring and risk tiering run inside the flow, through approved partners.
06
Humans you can actually reach
First-class support from a UK & Europe-based team — not a ticket queue that answers next Tuesday.
First-class support
24/7. Human. UK & EU.
24/7 support
Live chat and email around the clock — a human, not a bot loop.
UK & Europe-based team
Your questions land with people who know your corridors and your time zone.
Phone support
A direct line issued to every onboarded merchant at go-live.
Named contact
A dedicated onboarding contact through your first weeks of volume.
LIVE CHAT VIA THE TALK-TO-US PANEL · PHONE LINE ISSUED AT ONBOARDING
Industry wire
What's moving in payments.
CURATED HEADLINES · EXTERNAL SOURCES, LINKED — NOT ENDORSEMENTS
Real-time payments 'out-of-reach' for most banks - survey
FINEXTRA RESEARCH4D AGO
Trust in the Open Banking Ecosystem: A Report
MASTERCARD US3D AGO
Payit by NatWest highlights negative impact of payment disruptions
OPEN BANKING EXPO3D AGO
Seamless cross-border payments: A must-have for London’s international entrepreneurs
LONDON BUSINESS NEWS1D AGO
MoneySuperMarket and Capital One launch open banking partnership
CREDIT CONNECT1D AGO
How central infrastructure shapes open banking governance
TIETO23H AGO
HEADLINES ARE PROVIDED FOR MARKET CONTEXT AND LINK TO THEIR ORIGINAL PUBLISHERS. RIGHTRATES IS NOT AFFILIATED WITH, AND DOES NOT ENDORSE, THE SOURCES SHOWN.
07Business
Commercial structures for every side of the flow.
Whether you process volume, run a platform, or introduce merchants — there is a defined commercial route into RightRates.
Merchants
Accept more methods in more markets without stacking providers. Routing, checkout and settlement arrive as one integration with one reconciliation surface.
- Hosted or embedded checkout
- Best-route pricing per transaction
- Fiat, crypto or stablecoin settlement
- Chargeback and dispute handling
- integration to maintain
- 01INTEGRATION TO MAINTAIN
- payment method categories
- 15+PAYMENT METHOD CATEGORIES
- supported networks
- 8SUPPORTED NETWORKS
- settlement options
- 05SETTLEMENT OPTIONS
- transaction monitoring
- 24/7TRANSACTION MONITORING
PLATFORM DESIGN FIGURES · COVERAGE PER MERCHANT DEPENDS ON APPROVAL AND REGION
BrokerDesk
Route not listed?
The desk will find one.
Unusual corridors, mixed settlement, licensed-but-complex models, volumes that don't fit a standard integration — BrokerDesk is a manual routing desk that maps bespoke flows across our approved partner network. Subject to compliance approval; no obligation either side.
30-second request
- 01
Describe
Corridor, methods, volumes, licensing context — however non-standard.
- 02
Assess
Our desk checks feasibility across the approved partner network.
- 03
Route or decline
A concrete route with terms, or a straight answer that we can't serve it.
Flows the desk maps
- Licensed EU operatorEUR IN · USDT OUT
Local EU methods and cards on deposit; USDT settlement on a T+1 window.
- LATAM marketplacePIX IN · USD OUT
PIX-style instant collections in Brazil; consolidated USD wire settlement weekly.
- Treasury conversion flowGBP IN · BTC OUT
GBP received over Faster Payments-style rails; scheduled BTC settlement to cold storage.
ILLUSTRATIVE SCENARIOS. OUTCOMES DEPEND ON JURISDICTION, LICENSING, MERCHANT CATEGORY AND PARTNER APPROVAL. SOME FLOWS CANNOT BE SERVED.
08Compliance
Serious rails require serious controls.
Onboarding, monitoring and settlement records are part of the infrastructure — not an afterthought. Availability of any route depends on compliance approval.
KYB/KYC workflows
Structured onboarding for merchants and end users, matched to route requirements.
Transaction monitoring
Continuous screening across fiat and digital-asset flows.
Region-aware availability
Methods, assets and routes filtered by jurisdiction before a quote is ever shown.
Merchant due diligence
Category, licensing and ownership review as part of onboarding.
Approved partner routing
Volume moves only through vetted, approved payment partners.
Risk tiering
Merchant and transaction risk levels drive routing and review depth.
Audit-ready payment events
Every state change recorded as a signed, timestamped event.
Clear settlement records
Per-batch and per-transaction records built for reconciliation and audit.
RightRates operates with approved payment partners. Onboarding is subject to KYB review, and specific capabilities depend on jurisdiction, merchant category and partner approval.
10Questions
Asked before every serious integration.
Straight answers. Where something depends on jurisdiction or approval, we say so instead of rounding up.
Q01What exactly is RightRates?
An enterprise payment layer. We route your transactions across approved payment partners — cards, bank rails, local methods, crypto networks and stablecoins — through one integration, and settle to your preference. We are the routing and operations layer, not the end acquirer.
Q02Is RightRates a bank, exchange or custodian?
No. RightRates is payment infrastructure. Regulated activities are performed by approved, vetted partners in each corridor, and every route is subject to compliance approval. We never claim licences we do not hold.
Q03How long does it take to go live?
Typically: route mapping within 1–2 business days of your inquiry, KYB review as soon as your document pack is complete, then integration — hosted checkout can go live in days; full API builds depend on your team. Timelines vary by jurisdiction and category.
Q04What do you need from us to start?
For the first conversation: volumes, target markets, required methods and settlement preference. For onboarding: standard KYB — corporate documents, ownership, licensing where applicable, and processing history if you have it.
Q05Which industries and regions can you serve?
Coverage is region- and category-aware: methods, assets and routes are filtered by jurisdiction and compliance profile before anything is quoted. Licensed-but-complex models are welcome via the BrokerDesk. Some flows cannot be served, and we say so quickly.
Q06How is pricing set?
Per route and per volume. Every quote shows the route fee before you commit; network fees pass through at cost. There is no public rate card because serious volume deserves a mapped price, not a listed one.
Q07What support do we actually get?
24/7 support from a UK & Europe-based team — live chat via the Talk-to-us panel and email around the clock, a direct phone line issued at onboarding, and a named contact through your first weeks of volume. Support is part of the product, not an upsell.
From inquiry to live volume.
TYPICAL PATH · SUBJECT TO APPROVAL
DAY 001/04
Inquiry received
You send volumes, markets, methods and settlement preference — two minutes, no obligation.
DAYS 1–202/04
Route map returned
We come back with the routes we can open, indicative pricing and what KYB will need.
WEEK 103/04
KYB and agreements
Document review runs in parallel with sandbox access. Timing depends on your pack, not our queue.
GO LIVE04/04
First volume flows
Hosted checkout in days; API builds at your pace. Ramp-up limits lift as history builds.
09Inquiry
Start with your volume, regions and settlement requirement.
Our team will map the right route. The more precise you are about methods, markets and timelines, the faster we can respond.
What happens next
- 1
Review
We review volumes, regions, methods and licensing context.
- 2
Route mapping
We map which approved routes can serve your flow, and at what coverage.
- 3
Onboarding
KYB, agreements and integration — hosted, embedded or API-led.
TYPICAL FIRST RESPONSE: 1–2 BUSINESS DAYS
NO OBLIGATION · NDA AVAILABLE ON REQUEST
RightRoutes, with RightRates.