Do you support SoftPOS for contactless payments?

Yes, our platform supports SoftPOS technology, allowing businesses to accept contactless card payments directly on Android devices. This simplifies face-to-face transactions and is perfect for mobile, pop-up, or distributed retail environments.

Is this platform built for omnichannel commerce?

Yes. Our infrastructure supports omnichannel commerce, connecting ecommerce, in-store, mobile, and unattended environments under one system. From online checkouts to SoftPOS and vending, we unify the customer journey end-to-end.

What accounting and reconciliation features are included?

We provide a full accounting suite with automated reconciliation, real-time transaction tracking, invoicing, and tax compliance tools. You can also connect to leading external accounting platforms via our API.

Is the platform cloud-hosted and secure?

Yes. Our platform is cloud-native and enterprise-secure, offering scalable hosting with built-in compliance, redundancy, and performance guarantees, so your operations are always live and protected.

Can the platform integrate with existing systems?

Definitely. Our open API architecture allows seamless integration with ERP systems, POS, ecommerce platforms, IoT devices, and third-party tools, giving you maximum flexibility and control.

What is a payment gateway and how does it work?

A payment gateway securely transmits payment details between your customer, your business, and the banking network, authorising and processing transactions in seconds. Quantum Payments provides an API-driven payment gateway that supports online payments, pay-by-link, and direct API transactions, so you can accept payments on your website, app, or platform.

How do I choose the right payment gateway for my Australian business?

Look for local support, transparent pricing, strong security and compliance, the payment methods your customers prefer, and how easily the gateway integrates with your existing systems. Quantum Payments is headquartered in Melbourne and built for Australian businesses, combining online, in-person, and unattended payments in a single AI-powered platform.

Is Quantum Payments secure and PCI compliant?

Security is built into every layer of our platform. Transactions are encrypted and processed in line with PCI DSS requirements, with built-in compliance, redundancy, and performance safeguards that keep your payments and customer data protected around the clock.

What payment methods can I accept with Quantum Payments?

You can accept card payments online and in person, contactless payments via SoftPOS on Android devices, pay-by-link payments, and ecommerce checkout payments - all managed through one platform with unified reporting and automated reconciliation.

What are unattended payment solutions?

Unattended payments let customers pay without staff present - for example at kiosks, vending machines, car parks, and self-service checkouts. Quantum Payments provides kiosk integrations and unattended payment devices with the same security, reporting, and reliability as our attended solutions.

Can I accept subscription and recurring payments?

Yes. Our platform supports recurring billing and subscription management, and our agentic payments system can automatically manage subscriptions and optimise payment methods for your customers in real time.

What are agentic payments?

Agentic payments use AI to act on the customer's behalf at checkout - applying rewards, managing subscriptions, and selecting the optimal payment method in real time. It is intelligent, goal-driven automation that reduces friction, simplifies ecommerce, and helps your customers spend smarter.

How long does it take to integrate the Quantum Payments API?

Our API-first architecture is designed for fast, developer-friendly integration, and no-code options like pay-by-link let you start accepting payments almost immediately. Our Melbourne-based team supports you throughout the integration process.

Does Quantum Payments work for ecommerce stores?

Yes. We provide advanced ecommerce payment tools including a payment gateway, direct API integration, pay-by-link, and AI-powered agentic checkout - plus full omnichannel support if you also sell in person or through unattended channels.

Do you offer POS systems for retail and hospitality in Australia?

Yes. Quantum POS is built for modern Australian businesses, combining a powerful point of sale with integrated payments, fast checkout, real-time reporting, and automated reconciliation in one platform.

How does Quantum Payments help prevent payment fraud?

Our platform is fully secured, with encryption and intelligent transaction monitoring designed to protect your business and your customers across online, in-person, and unattended channels, reducing fraud risk while keeping checkout friction low.

Stripe Just Opened Stablecoin Wallet Payouts to 160 Markets: What the Fine Print Means for Payout Economics

Quantum Payments

1 day ago

5 min read

Stablecoin headlines tend to focus on what happens at checkout: can a merchant accept a digital dollar? Stripe’s new wallet payout preview points to a less visible, high-volume part of commerce: sending money to contractors, suppliers, marketplace sellers and other recipients across borders.

Since 4 November 2026, eligible US businesses have been able to use Stripe Global Payouts to send USDC or OUSD from a Stripe Treasury USD or USDC balance to recipients’ external crypto wallets in more than 160 markets. Payments typically arrive within minutes, although network conditions can affect final receipt.

The important distinction is that this is the payout side of stablecoin payments, not a new way for merchants to accept them. And while the published fee looks attractive beside some familiar payout options, the route, payout size and operational status all matter to the real economics.

The rail, not the token, shapes payout cost

Stripe lists wallet payouts at $0.50 per payout plus 0.5% of the amount. For comparison, its listed debit card payout fee is 0.75% plus $1.50, while a SWIFT wire is $25 per payout plus any applicable foreign exchange costs.

On a $1,000 payout, the listed wallet fee is $5.50, compared with $9 for a debit card payout and $25 for a SWIFT wire. At $10,000, the wallet fee rises to $50.50, while the debit card fee is $76.50. The SWIFT fee remains $25 before FX. Stablecoin payouts are therefore not automatically the cheapest option: their percentage charge can exceed a fixed wire fee as payout values rise.

There is also a separate Global Payouts platform fee: 0.05% of monthly payout volume after the first $1 million allowance. Treat the $0.50 plus 0.5% as the published wallet payout charge, then model the platform fee and any conversion cost that applies to your account and route. Stripe charges in the balance currency.

The broader lesson is that cross-border payments should be compared on the actual rail and corridor, not on the label “stablecoin”. A low fixed component can matter for smaller transactions, while the percentage component grows with payout value. The speed and recipient access may also be valuable, but they do not make every transfer cheaper.

Neon payment pathways branching from one merchant node towards multiple recipient wallets

Wallet payouts are live in preview; bank payouts are still gated

The public preview lets eligible US businesses send USDC on Arbitrum, Avalanche C-Chain, Base, Ethereum, Optimism, Polygon, Solana, Stellar and Tempo. OUSD is available on Base, Ethereum, Solana and Tempo. Tempo is Stripe’s own blockchain, making its inclusion a signal of how closely the company is connecting payment products with its network strategy.

However, access is not universal. The sending business must be based in the US, and New York businesses are excluded from the crypto wallet preview for now. Recipients can be in supported markets, including Australia, but that does not make Australian businesses eligible to send through this preview.

The other stablecoin route is different. Stripe also documents conversion from a stablecoin balance into local currency for payment to a recipient’s bank account. That bank payout feature remains in private preview, with access gated by request. It supports nine currencies: USD, EUR, GBP, BRL, MXN, NGN, PHP, ARS and COP, using the available local or international bank networks. The headline wallet rollout is open for public preview; the bank route, which may be closer to how many merchants want to pay overseas recipients, is not.

For Australian platforms paying overseas contractors or marketplace sellers, the immediate action is to watch availability and compare existing payout costs by corridor. The direction of travel is also worth noting: published, per-rail pricing is easier to model than opaque correspondent banking quotes. Quantum Payments has previously examined why fast transfers can still get held up at conversion and payout edges in The Stablecoin Sandwich, and what stablecoin infrastructure moving towards payroll means for merchant money movement in our pilot-to-payroll analysis.

The operational details are part of the product

For payout teams, the most consequential fine print may be about what happens after a payment is created. Stripe’s documentation distinguishes four payout statuses: processing, posted, failed and returned.

“Posted” does not necessarily mean “received”. It means the funds have left the financial account and the payout has been submitted on-chain; the recipient’s wallet or network can still affect when funds become available. A failed payout, by contrast, never leaves the financial account. A returned payout has already posted, but bounced back, so it requires a different accounting treatment.

Recipient readiness is another step to plan for. A sender creates a recipient using an email address and country, then adds the required details and wallet information. The wallet capability activates only after the recipient’s name and address are supplied. Stripe verifies capabilities asynchronously, so payout systems should wait for the relevant webhook rather than assume a newly created recipient is ready immediately.

Developers also need to account for live-mode requirements. Stripe requires a restricted API key for live requests; a full-access sk_live key will not work. Stripe recommends using the Payout Intents API with confirmation_method set to manual when a business needs to review a payout before sending it.

These details matter in routine operations as much as in exceptional cases. A payout API integration needs to distinguish a payment in progress from one submitted to the network, and identify whether funds remained in the account or left and later returned. Automation without those distinctions risks inaccurate reconciliation and confusing recipient communications.

Glowing payout pathways moving through distinct operational stages on a dark digital grid

Six checks before you route payouts through a stablecoin wallet preview

Frequently asked questions

Can Australian businesses send stablecoin wallet payouts through this Stripe preview?

Not currently. Stripe’s documented wallet payout preview is for eligible US businesses, with New York businesses excluded. Australia is among the listed recipient markets, so eligible US senders may be able to pay recipients there.

Does “posted” mean the recipient has received the money?

Not necessarily. “Posted” means the payout has been submitted on-chain and the funds have left the Stripe financial account. Wallet availability may follow later.

Is the stablecoin bank payout option generally available?

No. The stablecoin-funded bank account route is still in private preview and requires businesses to request access. It is separate from the public preview for payouts directly to crypto wallets.

Sources

SEO meta title: Stripe Stablecoin Payouts: Fees, Markets and Fine Print

SEO meta description: Stripe’s stablecoin wallet payout preview reaches 160+ markets. Explore fees, eligibility, payout statuses and what Australian businesses should watch.