Paymier (Xiamen Tuoyitong Technology Co., Ltd.) is a one-stop cross-border payment and fintech platform that provides end-to-end services including global acquiring, cross-border payments, virtual cards, risk control alerts, credit reporting, and factoring. It supports over 150 currencies and covers more than 200 countries and regions. The platform holds business qualifications for mainland China and relevant cross-border payment licenses, and primarily serves cross-border e-commerce export companies.
Paymier Product Portfolio
Payment Services
- Global Payment Processing—Supports international credit cards (Visa/Mastercard) and local payment methods, helping businesses accept payments from users around the world
- Cross-Border Payments—Supports bulk payments and individual transfers to over 200 countries and regions worldwide, with automatic multi-currency conversion
- virtual card— Provides businesses with virtual card services for online payments, ideal for advertising, subscription management, and cross-border procurement
Risk Management
An AI-driven real-time transaction monitoring system that reduces fraud loss rates by more than 95%. The intelligent risk control engine can identify abnormal transaction patterns in real time, ensuring fund security while minimizing false positives. The risk control system supports a customizable rule engine, allowing businesses to set transaction limits, geographic restrictions, and merchant type whitelists based on their specific business needs.
Eco-Finance
- Credit Reporting Services— Provides cross-border trade credit checks for businesses and assesses the credit risk of overseas partners
- Factoring Services——Financing services based on accounts receivable to alleviate cash flow pressures for businesses
- Exchange Rate Management——Provides forward foreign exchange purchase and sale and exchange rate hedging services to help businesses mitigate the risks of exchange rate fluctuations
Core Strengths
- End-to-End Coverage—From receiving payments to making payments, from risk management to financing, one platform meets all your cross-border financial needs
- Intelligent Risk Control—AI-driven transaction monitoring, 95%+ fraud interception rate
- Globalization Support—Over 150 currencies, over 200 countries and regions
- Enterprise-Level Solutions—The product is designed for enterprise users and supports multi-user permissions and approval workflows.
- API Integration—Provides a comprehensive REST API and SDK, supporting deep integration with the enterprise’s existing systems
Features of Paymier Virtual Cards
Paymier's virtual cards are part of its cross-border payment solutions and are primarily aimed at business users. Unlike virtual card platforms for individuals, Paymier focuses more on:
- Enterprise-level spending limits and multi-user permission controls, with support for setting department-level spending limits
- Deep integration with global payment processing and cross-border payments enables closed-loop cash management
- Real-time protection for virtual card transactions provided by the AI risk control system, which automatically blocks suspicious transactions
- Bulk card issuance capability, supporting the creation of hundreds of cards at once for different ad accounts
Virtual cards are supported on the Visa and Mastercard networks and can be used at online merchants worldwide that accept these card brands. You can set the card’s expiration date, transaction limits, and monthly spending limits to meet your business’s needs for detailed financial management.
Fee Structure
Paymier uses a customized pricing model for businesses, with specific rates determined based on transaction volume, scope of services, and custom requirements. Generally, corporate users are eligible for volume discounts on virtual card issuance fees and top-up rates. We recommend contacting the Paymier sales team directly to request a quote.
Who is it for?
Paymier is ideal for business users with cross-border payment needs, particularly:
- Cross-border e-commerce sellers who need global payment processing and settlement services
- Teams that need to manage ad campaigns and subscriptions using virtual cards in bulk
- Financial institutions that prioritize risk management and compliance
- Export companies in need of cross-border financing and factoring services
summarize
Paymier is an enterprise-grade cross-border financial platform, and virtual cards are just one of its many products. If you’re a business in need of a comprehensive cross-border payment solution, Paymier’s end-to-end services are worth considering; if you’re simply an individual user who needs a virtual card for everyday spending, other platforms geared toward individual users might be a more straightforward option. We recommend thoroughly discussing your business needs with the Paymier team before using the service to ensure you receive the most suitable configuration.
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