Pay any bill. Earn the float.
Charge any business expense to a credit card — even when the recipient doesn't accept cards. 45–60 days interest-free capital. Full rewards. Auto-reconciliation.
Every day, a business owner pays their rent in cash. Not because they want to.
Because nobody built the alternative.
Across GCC, India, and Africa, SME owners juggle eight disconnected tools, miss out on billions in credit card rewards, and pay 68% more for working capital than they should. The problem isn't laziness or ignorance.
It's that the infrastructure to do better has never existed — until now.
It's that the infrastructure to do better has never existed — until now.
Three problems. Three solutions. One platform.
01
Credit Card Processing
Pay any bill. Earn the float.
Charge any business expense to a credit card — even when the recipient doesn't accept cards. 45–60 days interest-free capital. Full rewards. Auto-reconciliation.
02
Full Crypto Suite
Crypto in. Fiat out. Zero friction.
20+ cryptocurrencies, virtual cards, offshore accounts, stablecoin rails, and enterprise payment tools. Up to 80% lower fees vs traditional gateways.
03
Whistleblower AI
Your Jarvis. Watching everything.
Always-on AI that integrates Gmail, WhatsApp Business, Google Drive, and accounting data. Daily briefings, KPI tracking, proactive risk alerts. Zero blind spots.
01
Credit Card Processing
Transaction flow — 4 steps
1
Business submits the bill
The SME uploads any invoice, rent notice, tax demand, payroll file, or supplier bill to AbsolutePay — regardless of whether that recipient has ever accepted a card payment.
2
AbsolutePay charges the credit card
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We charge the business owner's existing credit card for the full invoice amount, plus a transparent 1.8–2.5% service fee. No hidden costs. No foreign exchange surprises.
3
Offshore Bank Accounts
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The invoice recipient gets paid exactly how they expect — a standard bank transfer in their local currency. They never need to know a credit card was involved.
4
Non-Custodial Invoicing
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The business owner earns full card rewards, cashback, and miles on the transaction — and gets 45–60 days of interest-free capital before the card bill is due.
AbsolutePay vs traditional SME loan
SME Loan
Cost
1.8–2.5% service fee
8–15% annual rate
Speed
Instant approval
2–4 weeks processing
Collateral
None required
Often required
Rewards
Miles, cashback, points
None
Float window
45–60 days interest-free
Repayment starts day 1
Credit score
Neutral / positive
Soft inquiry required
02
Full Crypto Suite
STABLECOIN PRIORITY
20+
Cryptocurrencies
Cryptocurrencies
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USDT, USDC, BTC, ETH, BNB, and 15+ more. Stablecoin-first — businesses hold USD-pegged value without volatility exposure.
INSTANT ISSUANCE
Virtual Cards
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Instant-issue virtual Visa/Mastercard backed by crypto. Spend anywhere globally. Real-time crypto-to-fiat conversion at point of sale.
JDB LAOS PARTNER
Offshore Bank Accounts
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Personal and business accounts via Joint Development Bank — Laos. IBAN/SWIFT capable. Multi-jurisdictional access for cross-border businesses.
NON-CUSTODIAL
Non-Custodial Invoicing
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Issue crypto invoices without AbsolutePay holding funds. Payment flows wallet-to-wallet, reducing counterparty risk for enterprise clients.
ENTERPRISE READY
Mass Payouts
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Pay 100s of contractors or suppliers in one operation. CSV upload, webhook trigger, or API call — batch crypto and fiat payments at enterprise scale.
AUTOMATED
Recurring Payments
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Schedule weekly, monthly, or milestone-triggered payments in crypto or fiat. Automated billing for SaaS companies paying international contractors.
PRICE LOCK
Volatility Protection
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Lock the fiat value at invoice creation. When the recipient claims it, they receive exactly what was agreed — regardless of market movement.
DEVELOPER READY
API + E-Commerce
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REST API for direct integration into existing systems. Pre-built plugins for Shopify, WooCommerce, and custom checkout flows.
Traditional
Processing fees
Up to 80% lower
2.5–3.5% card fees
Settlement speed
Minutes (24/7)
3–5 business days
Cross-border cost
Near-zero stablecoin
$15–50 wire fees
Currency risk
Stablecoin-hedged
FX exposure on delay
Banking requirement
None (non-custodial)
Full banking relationship
03
Whistleblower AI
Daily CEO Briefing
Every morning: overnight emails requiring action, employee KPIs behind target, financial anomalies, and upcoming deadlines — synthesised in 90 seconds flat.
Employee KPI Tracking
Whistleblower tracks every employee's commitments across platforms. If a follow-up was promised in WhatsApp three days ago and hasn't happened, you'll know before it becomes a problem.
Proactive Risk Alerts
Not just reporting what happened — predicting what's about to go wrong. Cash flow anomalies, contract expiries, supplier delays — surfaced before they escalate.
One Dashboard, Zero Fragmentation
The average SME owner uses 8+ tools. Whistleblower replaces the cognitive overhead of context-switching with a single operational view of the entire business.
Live Integrations
Gmail
Thread summarisation, action item extraction, reply drafts
WhatsApp Business
Group monitoring, follow-up tracking, escalation alerts
Google Drive
Document indexing, contract flags, deadline alerts
Accounting Software
Cash flow anomalies, overdue invoices, burn rate
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AbsolutePay Data
Real-time spend, budget variance, department breakdowns
Market Opportunity
Billions in untapped credit, rewards, and float — sitting in markets with no unified solution. Until now.
Contact us
Serious about the opportunity? So are we. Get in touch with the founding team and let's talk.