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ARRAYMATIC

ArrayMatic Technologies

B-23, B Block, Sector 63, Noida, Uttar Pradesh 201301

[email protected]

+91-9555505981

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HomeServicesBlockchainBlockchain-Based Payment Systems

Blockchain

Blockchain-Based Payment Systems

Custom blockchain payment infrastructure — stablecoin payments, cross-border settlement, and crypto checkout — with fiat conversion and compliance controls built in.

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Years in production

What it is

Blockchain payment systems use programmable tokens — typically stablecoins — to transfer value on-chain with near-instant settlement, sub-cent transaction costs on Layer 2 networks, and programmable payment logic that traditional payment rails cannot support.

What you get

  • Stablecoin payment processing (USDC, USDT, EURC)
  • Cross-border settlement with near-instant finality
  • Fiat on/off ramp integration (Circle, Stripe, Transak)

Payments without the intermediary overhead

Cross-border B2B payments via SWIFT take 2–5 days and cost 3–5% in fees. Stablecoin payments on Ethereum L2 or Solana settle in seconds for fractions of a cent. For businesses with high international transaction volume, the economics of blockchain payments are compelling — the challenge is building the infrastructure reliably and compliantly.

We build payment systems around USDC, USDT, and other regulated stablecoins, with fiat on/off ramp integration via Circle, Stripe, and Transak. Payment flows include programmable logic: escrow with milestone release, subscription billing, multi-party payment splitting, and automated royalty distribution — all enforced by smart contracts without manual reconciliation.

Compliance is built into the payment layer. We integrate transaction screening (Chainalysis, Elliptic) for AML checks, jurisdiction-based access controls, and full transaction audit trails. Regulatory reporting exports are standard outputs.

Key capabilities

What we build for you

Each engagement is scoped to your requirements — these are the core capabilities we bring to the table.

Programmable escrow with milestone-based release

Automated multi-party payment splitting

AML screening and transaction monitoring integration

Crypto checkout plugin for e-commerce platforms

Full transaction audit trail and regulatory reporting exports

Our process

Discovery to deployment

A structured, engineering-led approach that moves from understanding your goals to a production system — with no handoff surprises.

Typical engagement

8–16 WEEKS

01

Discovery

We map your goals, constraints, and existing infrastructure. Scope is defined and success criteria agreed before any development begins.

Requirements workshopTechnical audit
02

Architecture

We design the technical approach, select the right tools, and produce a milestone-driven delivery plan with no ambiguity.

Stack selectionDelivery plan
03

Build

Iterative development with regular demos. Code reviews, test coverage, and documentation happen in parallel — not at the end.

Sprint cadenceCode review
04

Deploy

Production release with monitoring setup and handover documentation. We stay close during the first weeks post-launch.

CI/CD pipelinePost-launch support

Built with

Ethereum

For low-cost, high-volume consumer payments: Solana or Ethereum L2 (Base, Arbitrum) where transaction costs are sub-cent. For enterprise B2B settlement where security takes priority over cost: Ethereum mainnet or a private Hyperledger network. The right choice depends on your transaction volume, counterparty requirements, and compliance jurisdiction.

Fiat on-ramp integrations (Stripe, MoonPay) allow customers to pay with a credit card and receive stablecoins automatically. The blockchain layer becomes invisible to end users. Alternatively, custodial wallets managed by your platform mean users never interact with blockchain directly.

On-chain transactions are irreversible by design. We address this with escrow contracts that hold funds pending confirmation of delivery, dispute resolution mechanisms with defined adjudication periods, and multi-signature release requiring both parties to confirm. These controls are scoped during architecture design.

Work with us

Ready to start a project?

Share what you're building — we'll respond within one business day with questions or a proposal outline.

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