FAQ

Q1: What is ePay?
ePay is a stablecoin payment platform. ePay has obtained transaction authorizations from Singapore COBO and several banks in the U.S., Singapore, and other countries, allowing merchants to accept payments from global customers using stablecoins (such as USDT, USDC) through the ePay checkout. It combines the speed and security of blockchain technology with the stability of fiat currency, providing fast, low-cost transaction services. The platform’s core functions include QR code-based payments, settling digital assets to your designated address, and exchanging them into USD, EUR, JPY, AUD, HKD, SGD, and other fiat currencies via OTC (Over-The-Counter) trading.

Q2: What are the advantages of using ePay stablecoin payments?
Key advantages include:

• Unlimited transactions: Supports large transactions without limits.
  
  

• Global accessibility: Customers can pay from anywhere without traditional cross-border banking restrictions.
  
  

• Low transaction cost: Compared to traditional credit cards or cross-border remittances, fees are typically lower.
  
  

• Fast transaction speed: Blockchain-based payments are usually confirmed within minutes, much faster than traditional bank transfers that take days.
  
  

• Transparency and security: All transactions are recorded on the blockchain, publicly verifiable and immutable, enhancing security.
  
  

• Avoiding currency volatility: Stablecoins are pegged 1:1 to fiat currencies like the USD, effectively avoiding price volatility risks associated with cryptocurrencies like Bitcoin.
  
  

Q3: Which stablecoins does ePay support?
We mainly support mainstream stablecoins such as USDT (Tether) and USDC (USD Coin). Tokens are supported across multiple blockchain networks, including TRC20 (Tron), ERC20 (Ethereum), and BEP20 (BNB Smart Chain), providing flexible and low-cost payment options.

Q4: How can merchants receive payments through ePay?

1. Manual collection (suitable for offline or single orders): On the ePay merchant dashboard, generate a QR code that includes payment amount, stablecoin type, and collection address. Customers scan the QR code with their digital wallets to complete payment. Simple, direct, no technical development required.
   
   

2. Checkout API integration (suitable for websites or apps): Integrate ePay’s API into your website or app. When customers check out, the system automatically triggers the payment. Upon successful payment, ePay notifies your system to confirm the order. Fully automated, no manual intervention needed.
   
   

Q5: Do customers need a crypto wallet to pay?
Yes. Customers need a digital wallet that supports the relevant stablecoin and blockchain network (e.g., Tron, Ethereum), such as Trust Wallet or MetaMask, or exchange wallets like Coinbase Wallet or Binance Wallet, to scan the QR code and authorize the transaction.

Q6: How can I confirm if a payment was successful?
Once a customer completes payment, the blockchain network processes the transaction. After confirmation, your merchant dashboard updates the order status to “Completed.” You can also check the transaction details on a blockchain explorer.

Q7: Where are the stablecoins I receive stored?
Payments are deposited into your fully managed custodial account on the platform. We use bank-grade security measures to protect your funds, and you can view your balance and initiate settlements anytime from the dashboard.

Q8: Can I transfer received stablecoins to my own wallet or exchange?
Yes. You can initiate a withdrawal at any time from the ePay merchant dashboard, transferring stablecoins from the platform wallet to any external wallet address you specify, such as a personal hardware wallet or an exchange wallet like Binance or Coinbase.

Q9: What is OTC withdrawal?
OTC (Over-The-Counter) withdrawal is the process of converting your stablecoins into fiat currency (USD, EUR, JPY, AUD, HKD, SGD) and depositing it into your designated bank account. We partner with compliant OTC providers and banks to provide a safe, convenient fiat conversion channel. Individual account withdrawals are supported, with proof of funds provided.

Q10: How can I convert my stablecoins into USD?
You can initiate an OTC withdrawal from the ePay merchant dashboard. The system transfers the stablecoins to a designated address of our partnered OTC provider. After verification, the provider sends the corresponding amount in USD/EUR/JPY/AUD/HKD/SGD to your specified global bank account (individual accounts supported).

Q11: Is OTC withdrawal safe? How long does it take?
We only cooperate with strictly vetted, licensed OTC providers and banks to ensure the safety of your funds. The process is regulated under AML (Anti-Money Laundering) laws. Usually, once the OTC provider receives your stablecoins, the USD transfer reaches your global bank account within 1–3 business days, depending on your bank’s processing speed.

Q12: Is identity verification required to register and use the ePay platform?
Yes. To comply with global AML (Anti-Money Laundering) and CFT (Counter-Terrorism Financing) regulations, all merchants must complete corporate identity verification (KYB – Know Your Business) or individual identity verification (KYC – Know Your Customer) before settlement or OTC withdrawals. This ensures the safety of all users’ funds on the platform.

Q13: What is the platform’s fee structure?

• Collection: A fixed service fee is charged per successful payment, automatically deducted from the incoming amount.
  
  

• Settlement/withdrawal: Transactions exceeding the threshold are exempt from network (Gas) fees, with no platform service fee; for smaller amounts, network fees apply.
  
  

• OTC withdrawal: 1:1 exchange rate (no spread). Transactions exceeding the threshold are exempt from network fees, with only bank wire fees applicable.
  
  

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