For SaaS platforms
One API for global revenue. One reconciliation flow behind it.
Create invoices programmatically, accept USDC or USDT from customers anywhere, and reconcile settlement through signed webhooks.
Collecting revenue in several countries usually means several providers, several fee structures and several reconciliation formats to normalise before finance can close the month.
Why not build stablecoin collection ourselves?
Because the hard parts are not the transfer. KYB, AML screening, the licensed fiat leg and payout reconciliation are where the cost and the regulatory exposure sit. Kollect provides those behind one API rather than one integration per corridor.
Do we need a different integration per country?
No. One API covers the corridors Kollect supports, so adding a country is not another provider, another contract and another reconciliation format. That per-corridor stitching is the usual failure mode this replaces.
Can our customers see our brand rather than Kollect?
Yes, through the white-label option. The collection and settlement rails run underneath while the surface your customers touch stays yours, deployed under your own brand.
What you keep on collected revenue
Model a typical invoice or billing run against a wire.
Modelled at 0.5% fee + $35.00 fixed + 2.5% FX for a wire. Kollect is priced at 0.75% on the Micro plan, with no FX markup on the USDC to USD conversion. The plan follows your volume: this invoice repeating monthly is $30,000.00 over 3 months, which is the band that volume falls into. The processing fee falls to 0.45% at higher volume. Each plan also carries a monthly subscription, which is not in these figures. See the full rate card.
Full cost breakdown is on the pricing section, and the same maths against a wire is set out on Kollect vs a bank wire. Terms are defined in the glossary.
How a platform integration runs
Create via API
Call the server-to-server API to create an invoice and get back a hosted payment link.
Customer pays
Your customer pays in USDC or USDT from any wallet through the hosted link.
Signed webhook fires
A signed webhook tells your system the payment was received, so you can provision immediately.
Reconcile the payout
Licensed partners settle USD, EUR, SGD to your account, against a payout record you can reconcile.
What changes for your platform
The same API and the same payment-link flow apply regardless of where the customer is.
Settlement events are signed, so your backend can verify them rather than trusting the payload.
An idempotency key is required on payment creation, so retries cannot double-charge.
Collections arrive through one rail rather than several provider-specific formats.
One processing percentage on the amount collected, on top of a flat monthly plan.
Trust and compliance
Payments are received on-chain and passed to licensed partners for conversion and payout. Kollect is not the licensed entity holding your money.
Mesta Payments LLC, a FinCEN-registered money services business, processes payments in partnership with Kollect.
KYB on the business and KYC on its representatives, with AML screening on payments.
USD, EUR, SGD today, with further corridors on the roadmap.
Platform questions
How does a SaaS platform integrate Kollect?
You call the server-to-server API to create an invoice, which returns a hosted payment link. A signed webhook notifies your backend when the payment is received, and licensed partners settle the payout to your account.
How do I verify a Kollect webhook?
Webhooks are signed, so your server verifies the signature on the request before acting on it. Payment creation also requires an idempotency key, so a retried request cannot be processed twice.
Can customers pay without a Kollect account?
Yes. Customers open the hosted payment link, connect a wallet and pay in USDC or USDT. They never create a Kollect account.
Which currencies can the platform settle in?
Kollect settles to USD, EUR, SGD today, with further corridors on the roadmap.