Payment processor
Rapyd
Card acquiring, local payment methods, payouts, wallets and issuing
48%
of the world’s people live in the 62 countries where Rapyd onboards local businesses.
Designed for
Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API.
Limitations
Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.
What it offers
Online card acquiring and local payment methods (cards, wallets, bank transfers, stablecoins, cash vouchers) through an API, hosted checkout, payment links and plugins, with subscriptions. Rapyd says customers can pay from 190+ markets in 150+ currencies.
Rapyd Disburse sends single and mass payouts by bank transfer, real-time payment networks, card payouts (Visa Direct, Mastercard Send), stablecoins and third-party wallets. Rapyd states 190+ countries and 120+ currencies.
Every Rapyd client gets a Rapyd Wallet: a multi-currency balance with fiat and stablecoin support, sub-accounts, and virtual account numbers (vIBANs and local formats) for receiving transfers. Rapyd also documents a separate Rapyd Business Account for Hong Kong businesses (HKD, USD, EUR and GBP balances; HK, UK and Europe receiving accounts).
Rapyd Issuing creates pre-funded physical and virtual cards drawn on a Rapyd Wallet, with spending limits and merchant restrictions. Issuing is offered in specific countries only, confirmed with sales; Rapyd cites 10+ markets.
Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.
Not offered.
Deeper review
Platform and product capabilities
What you can build on Rapyd: for other businesses, for your users, for consumers and with stablecoins.
Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Partners create merchant organisations and submit KYB applications, including sub-merchant applications, through the partner onboarding API. Merchants who use Rapyd through a marketplace complete Rapyd's own KYB through a hosted page.
The marketplace solution splits payments by predefined rules; the seller's share lands in a sub-account.
Rapyd offers hosted pages (identity verification, virtual card display, hosted checkout) and markets white-label checkout and payouts. Embeddable onboarding components were not found.
medium confidence
Disburse supports B2B, B2C and C2C payouts to bank accounts, cards, RTP networks, wallets and stablecoins.
Embedded finance for your users
Give your users financial products under your brand.
Platforms issue wallets to consumers and businesses; each wallet can have several virtual account numbers.
Cards are funded by a Rapyd Wallet and linked to a wallet contact; issuing countries are confirmed with sales.
No lending product found. The Wallet FAQ says the infrastructure enables 'fintech capabilities like lending', but no lending product or terms were found.
low confidence
Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
Wallets of type 'person' are for individual consumers, and Rapyd offers a hosted KYC page for wallet contacts.
Platforms can create personal wallets for their customers.
Rapyd's docs describe Issuing as issuing cards to consumers and businesses. Issuing countries are confirmed with sales.
medium confidence
Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoin payments and convert to fiat, or settle in stablecoin (since 9 Sep 2025, through third-party partners).
Rapyd says the Wallet natively supports stablecoins and that businesses can settle in stablecoins. Rapyd itself does not custody crypto; partners provide this.
medium confidence
Stablecoin payouts are listed as a Disburse rail.
Rapyd states it does not itself issue crypto assets; no branded-stablecoin product was found.
medium confidence
AI agents
Build with AI tools, and let AI agents shop and pay.
Not found in public materials (Rapyd docs navigation and a web search, Oct 2026).
low confidence
Stablecoin regulatory exposure
Where Rapyd’s stablecoin products are available, rated by how clear each country’s stablecoin rules are. This rates the rules, not Rapyd. How the scale works
Where the rules are restrictive or unclear
Where it onboards businesses
Available in 62 of the 170 countries we track, not confirmed in 5.
Rapyd's docs say a business must be domiciled in a listed country: the US and seven Latin American countries, most of Europe plus Turkey, Israel and South Africa, and 13 Asia-Pacific markets. Argentina and Panama are also named as signup countries in Rapyd's KYB guide and its Latin American onboarding guidelines. A different list in the FAQ on Rapyd's network page adds Albania, Armenia, Serbia and Ukraine and leaves out Chile, Peru, the Dominican Republic, El Salvador and India. Canada, on a 2022 Rapyd list but not on current ones, is unknown.
Medium confidence: compiled from public sources, not yet checked line by line. Spotted a wrong country? Report it on that country’s page.
North America · 1
Latin America · 9
Europe · 36
Africa · 1
Rapyd: common questions
Which countries does Rapyd support?
Rapyd onboards businesses registered in 62 of the 170 countries we track.
Where is Rapyd available, by region?
Countries where Rapyd onboards businesses (fully or with limits), by region: North America 1 of 2, Latin America 9 of 26, Europe 36 of 43, Middle East 2 of 14, Africa 1 of 49, Asia-Pacific 13 of 36.
What does Rapyd offer?
Accept payments: Online card acquiring and local payment methods (cards, wallets, bank transfers, stablecoins, cash vouchers) through an API, hosted checkout, payment links and plugins, with subscriptions. Rapyd says customers can pay from 190+ markets in 150+ currencies. Pay people abroad: Rapyd Disburse sends single and mass payouts by bank transfer, real-time payment networks, card payouts (Visa Direct, Mastercard Send), stablecoins and third-party wallets. Rapyd states 190+ countries and 120+ currencies. Multi-currency account: Every Rapyd client gets a Rapyd Wallet: a multi-currency balance with fiat and stablecoin support, sub-accounts, and virtual account numbers (vIBANs and local formats) for receiving transfers. Rapyd also documents a separate Rapyd Business Account for Hong Kong businesses (HKD, USD, EUR and GBP balances; HK, UK and Europe receiving accounts). Business cards: Rapyd Issuing creates pre-funded physical and virtual cards drawn on a Rapyd Wallet, with spending limits and merchant restrictions. Issuing is offered in specific countries only, confirmed with sales; Rapyd cites 10+ markets. Stablecoins: Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.
Does Rapyd support stablecoins?
Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.
Can marketplaces and platforms use Rapyd?
Sub-accounts for your users: Yes (Partners create merchant organisations and submit KYB applications, including sub-merchant applications, through the partner onboarding API. Merchants who use Rapyd through a marketplace complete Rapyd's own KYB through a hosted page). Split payments and platform fees: Yes (The marketplace solution splits payments by predefined rules; the seller's share lands in a sub-account). Embeddable UI: Partly (Rapyd offers hosted pages (identity verification, virtual card display, hosted checkout) and markets white-label checkout and payouts. Embeddable onboarding components were not found). Pay out to your users: Yes (Disburse supports B2B, B2C and C2C payouts to bank accounts, cards, RTP networks, wallets and stablecoins).
What are the alternatives to Rapyd?
Other payment processor providers we track: Stripe, Adyen, Checkout.com, PayPal and Worldpay. Which one fits depends mostly on where your business is registered.
Sources
- Rapyd docs: Account Activation (List of Supported Countries) ↗
- Rapyd docs: Global (supported countries) ↗
- Rapyd network page FAQ: Where does my business need to be located? ↗
- Rapyd docs: Activating Your Account (KYB) ↗
- Rapyd docs: Guidelines for Onboarding Applications in Latin America ↗
- Rapyd Community: List of Supported Countries (Feb 2022) ↗
- Rapyd payments product page ↗
- Rapyd pricing ↗
- Rapyd Disburse ↗
- Rapyd Issuing ↗
- Rapyd docs: Cards (Issuing) ↗
- Rapyd multi-currency business accounts (Rapyd Wallet) ↗
- Rapyd docs: Virtual Accounts ↗
- Rapyd docs: Wallets ↗
- Rapyd docs: Create Wallet ↗
- Rapyd docs: Onboarding KYB Workflow (partners) ↗
- Rapyd docs: Account Verification ↗
- Rapyd marketplaces solution ↗
- Rapyd docs: Rapyd Business Account User Guide (Hong Kong) ↗
- Rapyd stablecoin solutions ↗
- Rapyd press release: Stablecoin Payment Solutions (9 Sep 2025) ↗
- Rapyd press release: PayU GPO acquisition completed (14 Mar 2025) ↗
- Rapyd: Global Prohibited & Restricted Businesses ↗