OwlPay

OwlPay: Merchant Overview Of Payment Acceptance, Pricing, Compliance, And Integrations

OwlPay is a payment acceptance product designed for merchants and platforms that want to collect funds through credit cards and stablecoin payments. OwlPay supports stablecoin checkout using USDC and provides card acquiring options, including a Shopify-focused setup for certain markets.

OwlPay Overview

OwlPay focuses on two primary acceptance paths:

• Stablecoin checkout for collecting USDC through supported blockchain networks and wallets.

• Credit card acquiring for card payments, with options that can be integrated into an online store workflow.

OwlPay positions its stablecoin capability around on-chain settlement and near-instant transfers, which can be relevant for merchants with cross-border customers or platform business models that need faster settlement cadence than traditional card payouts.

Payment Acceptance Channels

Online (Web) Payments

OwlPay is oriented toward online payment acceptance. Core merchant-facing use cases are described in the context of websites and online store flows, including Shopify integrations for card acquiring.

In-App, POS, And MOTO

OwlPay does not specify POS terminal acceptance, in-app SDKs for mobile checkout, or MOTO and virtual terminal tooling as primary channels. Merchants that require these channels should validate availability directly within OwlPay’s product scope before implementation.

Payment Types Supported

Stablecoin Payments

OwlPay supports USDC for stablecoin checkout. Wallet-based payments are supported, with wallet options presented for merchant checkout use.

Stablecoin checkout is supported on specific networks:

• Supported networks: Avalanche, Polygon, Solana

• Planned networks: Stellar, Ethereum, Optimism, Arbitrum

This is relevant for merchants whose customers already hold USDC on these networks, or for platforms that want to standardize settlement on a specific chain.

Card Payments

OwlPay supports credit card payments as part of its acquiring offering. It describes card acceptance as a way to collect customer payments online and pairs this with an operational workflow that includes pricing for credit card transactions.

OwlPay does not consistently enumerate card brands and schemes in the same way some PSPs do. Merchants should confirm scheme coverage and regional card acceptance behavior during onboarding.

Checkout And Billing Flows

Payment Links

OwlPay supports payment links for stablecoin checkout, enabling merchants to send a link to a customer so the customer can complete a USDC payment.

This flow can be useful for:

• Manual invoicing workflows where a merchant sends a link via email or messaging

• B2B payments where a payer prefers wallet-based settlement

• High-touch sales processes that do not rely on a traditional cart checkout

Store Checkout And Plugins

OwlPay also supports store-based checkout experiences, including a Shopify-oriented integration for card acquiring in specific contexts. This implies a merchant can embed payment acceptance into an existing ecommerce store flow rather than relying only on link-based collection.

Subscriptions And Recurring Billing

OwlPay describes fit for SaaS and subscription-based platforms at the use-case level, but it does not fully specify a recurring billing engine, tokenized card vault, or subscription lifecycle tooling in the same explicit manner as subscription-native PSPs. Merchants with subscription requirements should validate whether recurring billing is supported natively, or whether it must be implemented at the application layer.

Supported Currencies And Funds Movement

OwlPay lists support for depositable currencies that include:

• EUR, GBP, HKD, AUD, USD, SGD

Stablecoin payments are denominated in USDC. In practice, this creates two parallel rails:

• Fiat rails for card or fiat-based collection and payout processes

• Stablecoin rails for wallet-based USDC settlement

Merchants should align the rail to their operational requirements, including treasury, accounting treatment, and settlement preferences.

Pricing And Fee Structure

OwlPay publishes structured pricing elements that include a monthly fee and transaction fees that vary based on payment method and solution type.

Monthly Fee

• Monthly fee: USD 69

Transaction Fees

OwlPay provides examples of transaction fee models across different solutions, including:

• Stablecoin solution: from 0.35% per transaction

• Fiat solution: from USD 6 per transaction

• Credit card pricing (example): from 2.5% + HKD 2.35 per transaction in a Hong Kong context, with additional fee line items for certain scenarios

Because multiple fee expressions are listed (percentage-based and fixed-per-transaction), OwlPay’s fee structure is best characterized as method-dependent pricing, where the unit economics depend on which acceptance rail is used and which market configuration applies.

Settlement Time And Availability

For stablecoin checkout, OwlPay emphasizes:

• On-chain settlement

• Near-instant transfers

• Always-on settlement behavior that aligns with blockchain availability rather than banking hours

For credit card acquiring, OwlPay does not present a single universal settlement timeline (such as T+1 or T+2) in the same explicit format. Merchants that require defined payout SLAs should validate settlement timing, payout schedules, and cutoff times during onboarding.

Compliance And Security Posture

OwlPay references a compliance and security posture that includes:

• PCI DSS (relevant to card data security programs)

• ISO 27001 (information security management)

OwlPay also describes identity and compliance checks that include:

• KYC and KYB checks

• AML checks

This indicates a compliance-led onboarding and transaction monitoring approach for certain flows, particularly relevant for stablecoin payments and cross-border use cases.

Risk Management Capabilities

OwlPay describes risk and compliance mechanisms centered around:

• Fraud prevention and management

• Automated KYC and KYB workflows

• AML checks

OwlPay publishes dispute-related fee concepts in its pricing constructs, but it does not position a dedicated chargeback management suite with representment automation, analytics dashboards, or rules-based dispute workflows as a standalone product component. Merchants with high dispute volume should confirm operational tooling coverage.

Developer And Integration Options

OwlPay provides developer documentation through a publicly accessible reference, with code examples and integration patterns.

APIs And Webhooks

• API availability: Public documentation

• Webhook support: Present within the documented feature set

Language Examples

OwlPay’s API reference includes example snippets in multiple languages, including:

• Shell

• Node

• Ruby

• PHP

• Python

Ecommerce Integrations

OwlPay supports Shopify integration for card acquiring within its described merchant use cases. Merchants should confirm whether the integration is available for their operating entity and region.

Reporting And Operational Tooling

OwlPay offers programmatic access patterns that support operational reporting needs, including endpoints oriented toward summary-level transaction visibility. It also references an enterprise login portal concept for account access, which can be relevant for finance and operations teams managing settlements, transaction status, and reconciliation.

Merchants that require advanced reporting features, such as multi-entity rollups, fee reconciliation exports, or revenue share tracking, should validate whether these are available natively or require custom implementation via APIs.

Who OwlPay Is Best For

OwlPay can be a practical fit for:

• Merchants and platforms that want USDC stablecoin checkout as a first-class acceptance method

• Businesses operating cross-border where always-on settlement and wallet-based payment flows are important

• Online-first merchants seeking card acceptance options and method-diversified checkout capabilities

• SaaS and subscription-like platforms that want stablecoin collection options and can implement subscription logic at the application layer if needed

Conclusion

OwlPay provides merchant payment acceptance through a combination of credit card acquiring and USDC stablecoin checkout. Its stablecoin rail centers on wallet-based payments and on-chain settlement behavior across supported networks, while its card acceptance offering supports online store use cases including Shopify workflows in certain contexts. Pricing includes a monthly fee and method-dependent transaction fees, and the product scope highlights security and compliance elements such as PCI DSS, ISO 27001, and KYC and AML checks.