Global trade protected. Payments accelerated.

PayKeeper is a licensed escrow company (NMLS 2401821) that provides secure payment solutions for international trade. We offer two core services:

1. INTERNATIONAL PAYMENTS — Multi-rail payment processing that lets you choose between traditional foreign exchange transfers through our banking partners or stablecoin settlement (USDC/USDT) for near-instant transactions at significantly lower costs.
2. IMPORT/EXPORT ESCROW — Licensed escrow protection with condition-based disbursement, ensuring funds are only released when verified milestones are met, such as proof of delivery, quality inspection, or customs clearance.

Our platform combines the security of regulated escrow with the flexibility of modern payment technology, protecting both importers and exporters in cross-border transactions. Foreign exchange settlements are processed by JPMorgan Chase Bank, N.A, 383 Madison Avenue, New York, NY, 10179, United States.

PayKeeper’s escrow works as a neutral third-party holding mechanism:

STEP 1: FUNDING — The buyer deposits funds into PayKeeper’s segregated escrow account. These funds are held completely separate from PayKeeper’s operating capital.

STEP 2: VERIFICATION — Both parties agree on specific conditions for release (delivery confirmation, quality inspection, milestone completion, etc.).

STEP 3: FULFILLMENT — The seller ships goods or delivers services, uploading verification documentation through the PayKeeper platform.

STEP 4: RELEASE — Once all agreed-upon conditions are verified, funds are automatically disbursed to the seller in their preferred payment method.

This structure protects importers (funds aren’t released until conditions are met) and exporters (they can verify funds are secured before shipping). All funds are held in segregated trust accounts under strict regulatory oversight.

Stablecoins are digital currencies pegged to stable assets like the US dollar. PayKeeper supports USDC and USDT, both of which maintain a 1:1 value with USD.

Key advantages of stablecoin payments: 

• SPEED — Transactions settle in minutes rather than the 3-5 business days typical of international wire transfers.
• COST — Dramatically lower fees by eliminating correspondent banks and intermediary charges. No hidden FX spreads.
• AVAILABILITY — 24/7 operation with no bank holidays, weekend closures, or time zone restrictions.
• STABILITY — Dollar-denominated value eliminates currency fluctuation risk during shipping and inspection periods.
• GLOBAL REACH — Works anywhere parties have access to stablecoin wallets, without requiring correspondent banking relationships.

You don’t need cryptocurrency experience to use stablecoins with PayKeeper. Our platform provides simple instructions, and our team can guide you through the process. Traditional banking options remain available for every transaction.

PayKeeper’s multi-rail escrow provides four flexible payment configurations:

OPTION 1: STABLECOIN → STABLECOIN

Buyer funds escrow in USDC/USDT; supplier receives payment in the same stablecoin. This is the fastest option, ideal for parties comfortable with cryptocurrency.

OPTION 2: STABLECOIN → FIAT

Buyer funds in stablecoin for instant escrow funding; supplier elects automatic conversion to their local currency at release. Best when buyers want speed but suppliers prefer traditional banking.

OPTION 3: FIAT → STABLECOIN

Buyer wires traditional currency to escrow; PayKeeper releases to supplier in stablecoin for faster access. Suppliers can hold stablecoins or convert to local currency.

OPTION 4: FIAT → FIAT

Traditional bank transfers on both sides, with PayKeeper providing neutral escrow, milestone control, and reconciliation. Best for parties who prefer conventional banking with added protection.

The key advantage: buyers and sellers can each use their preferred payment method without requiring both sides to match.

PayKeeper employs multiple layers of protection:

REGULATORY OVERSIGHT — PayKeeper is a licensed escrow company (NMLS 2401821) held to strict regulatory standards for fund protection and compliance.

SEGREGATED ACCOUNTS — All escrow funds are held in segregated trust accounts, completely separate from PayKeeper’s operating capital. Your money is never commingled with company funds.

CONDITION-BASED RELEASE — Funds cannot be disbursed until documented verification requirements are met. Neither party can unilaterally access funds without satisfying agreed-upon conditions.

BANK-LEVEL SECURITY — We use enterprise-grade encryption, security protocols, and infrastructure to protect all transactions and data.

COMPLETE DOCUMENTATION — Every transaction includes a full audit trail for customs, accounting, and compliance purposes.

Your funds remain yours until the exact conditions you agreed upon are verified and met—PayKeeper simply provides the secure, neutral environment for the transaction.

PayKeeper supports virtually any international transaction where secure, verified payment is important:

IMPORT/EXPORT OF GOODS

• Manufacturing equipment and machinery
• Raw materials and commodities
• Consumer products and inventory
• Automotive parts and vehicles

INTERNATIONAL SERVICES

• Cross-border service contracts
• International consulting agreements
• Software development and licensing
• Professional services

SPECIALIZED TRANSACTIONS

• International construction projects
• Licensing agreements with foreign partners
• Equipment leasing across borders
• Technology transfer agreements

MILESTONE-BASED PROJECTS

• Multi-phase manufacturing orders
• Staged delivery shipments
• Progress-based service delivery
• Complex procurement contracts

If you need to ensure payment only happens when specific conditions are met, PayKeeper’s international escrow is the right solution.

Verification requirements are fully customizable based on what you and your counterparty agree upon. Common verification conditions include:

SHIPPING & DELIVERY

• Bill of lading or airway bill confirmation
• Shipping tracking numbers and carrier documentation
• Proof of delivery signatures or photographs
• Customs clearance documentation

QUALITY & INSPECTION

• Third-party inspection reports
• Quality certification documents
• Specification compliance verification
• Laboratory testing results

DOCUMENTATION

• Certificates of origin
• Compliance certifications
• Insurance documentation
• Export/import permits and licenses

MILESTONE-BASED

• Manufacturing completion confirmation
• Production milestone photographs
• Progress reports and updates
• Time-based inspection periods

The PayKeeper platform makes it simple to upload documentation and photos directly through the app. Both parties can track verification status in real time, ensuring complete transparency throughout the transaction.

Transaction timelines vary based on your specific requirements, but PayKeeper dramatically accelerates the payment component:

PAYMENT PROCESSING TIMES

Traditional International Wire: 3-5 business days (sometimes longer with intermediary banks)

Stablecoin Settlement: Minutes once verification conditions are met

OVERALL TRANSACTION TIMELINE

The total transaction time depends on your agreed milestones:

• Shipping and logistics timeframes
• Customs clearance periods
• Inspection and quality verification
• Documentation processing

GETTING STARTED

• Demo to Go-Live: Enterprise clients typically go operational in 2-4 weeks
• Pilot Program: Test with 5-10 transactions in a controlled environment
• API Access: Developer API available immediately for integration

PayKeeper ensures the payment component doesn’t become a bottleneck in your international deal. Once verification conditions are met, funds can be released in minutes with stablecoin settlement or within standard banking timeframes for traditional transfers.

PayKeeper provides a structured dispute resolution process:

INITIATING A DISPUTE

Either party can submit a dispute through the PayKeeper platform at any time during the transaction.

AUTOMATIC HOLD

When a dispute is opened, PayKeeper places an immediate hold on all future payouts from the escrow account. No funds can be released until the dispute is resolved.

EVIDENCE SUBMISSION

Both parties submit evidence and documentation through the platform, including:

• Shipping and delivery records
• Inspection reports and photographs
• Communication records
• Contract terms and specifications

RESOLUTION PROCESS

PayKeeper provides the neutral escrow environment and maintains a complete documentation trail. Resolution remains between the transaction parties—we facilitate the process but don’t arbitrate.

PROTECTION FOR BOTH PARTIES

The dispute feature ensures neither party can unilaterally move forward without addressing concerns. Funds remain protected in escrow throughout the resolution process.

PREVENTION THROUGH CLARITY

Most disputes are prevented by clear upfront agreement on:

• Specific verification requirements
• Quality standards and specifications
• Inspection procedures and timelines
• Documentation requirements

PayKeeper’s transparent milestone tracking and documentation trail significantly reduce the likelihood of disputes arising in the first place.