Local-first payment infrastructure for global digital businesses
Private lending software that drafts promissory notes, computes schedules, tracks payments, and keeps both parties on one ledger
Stage
Startup
Startup
Founded
2025
2026
Based in
HK
US
Pricing model
Paid
Freemium
Pricing
US-issued cards from 2.5% + US$0.30 per transaction; cards issued outside the US from 4.0% + US$0.30 per transaction; local payment methods from 1.2%; US$0 setup fee, US$0 annual fee, no minimum monthly billing.
Free plan: $0, up to 2 open loans. Standard plan: $12 per month or $120 per year, unlimited open loans.
Key features
Global card acquiring with direct connection to major card networks
Support for 150+ local payment methods including UPI, Pix, MoMo, Alipay and WeChat
Subscription and recurring billing management
Mass payouts to 50+ markets with minimum fee of 0.1 USD
Multi-currency wallet and settlement
USD virtual card issuing for advertising and AI subscriptions
24/7 multilingual customer support
Local payment settlement as fast as T+1 in selected markets
Promissory note generation from loan terms
Amortization schedule computation
Payment confirmation by both parties
E-signature with document hashing
Payment reminders before due dates
Bank debit collection on Standard plan
Loan modification and forgiveness agreements
Write-off record for unpaid loans
What makes it different
Local payment methods reach 90% coverage in target markets with localized interfaces
Dispute resolution 50% faster than traditional providers
Fee reduction of 30-50% through transparent pricing and volume-based rates
Capital efficiency improvement of 3-5x with fast local settlement
98% payout success rate with direct connection to local clearing systems
Append-only, hash-chained ledger that cannot be secretly altered
Never holds funds or acts as a financial institution
Legally-structured promissory notes with all required terms
HaiPay
NoteHouse