Whale Pay. Money in, credit out. Instantly.
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From switch-on to running by itself.
Connect once
Enable the gateways you want from the panel. Keys, webhooks and callbacks are wired for you — nothing to code.
Customer pays
Card, USDT, bKash, Nagad, UPI, Binance — they pick what they trust, in their currency, on a checkout that looks like your brand.
Balance lands
The payment is verified and credited to their wallet instantly. They can order before the receipt email even arrives.
You get the ledger
Every top-up, order, refund and fee lands in one statement — reconciled, invoiced and exportable.
Everything it does, out of the box.
Cards & 3-D Secure
International cards with SCA/3-D Secure handled for you, so chargeback risk stays where it belongs.
Crypto that clears
USDT (TRC20), Binance Pay and more — confirmations watched on-chain and credited automatically.
Local rails
bKash, Nagad, UPI and the wallets your market actually uses — because a foreign card form loses the sale.
Built-in wallet
Prepaid balance, overdraft limits and per-group credit rules — customers spend without a payment step each time.
Invoices & statements
Every transaction produces a proper invoice and a running statement your accountant will accept.
Refunds & reversals
A failed service refunds to the wallet automatically — no ticket, no argument, no manual transfer.
Multi-currency
Price in your currency, let customers pay in theirs, with live rates and per-currency rounding rules.
Reseller payouts
Sub-resellers top up, spend and settle inside the same ledger — you see the whole tree, they see only theirs.
Fraud guardrails
Velocity limits, duplicate-payment protection and full webhook verification so nobody credits themselves twice.
The things people ask first.
Do I need a merchant account first?
For local wallets and crypto, no — connect and go. For card payments you use your own processor account, and we handle the integration, webhooks and 3-D Secure flow around it.
How fast is the balance credited?
The moment the payment is verified — usually seconds. Crypto waits only for the confirmations you configure. Nothing sits in a queue waiting for a human.
What happens if a service fails after payment?
The credit goes straight back to the customer's wallet automatically, with an invoice line explaining it. They can spend it again immediately.
Can my resellers take payments too?
Yes. Sub-resellers get the same checkout under your brand, and every transaction rolls up into your ledger while staying private to them.
Get paid while you sleep.
Switch on the gateways your market trusts and let every payment credit itself — instantly, correctly, and on the record.