Under the wave of going global, enterprises are confronted with multiple challenges such as payment efficiency, security and local adaptation. PayerMax cross-border payment solutions, with the ability to support over 600 payment methods, more than 70 transaction currencies and over 20 local languages, provide customized services for different payment scenarios and have become the core infrastructure for enterprises' global layout.

In response to low-amount and high-frequency demands such as game recharges and user cashback, PayerMax offers a lightweight payment solution. Regarding operator payments, users can complete the payment by recharging their mobile phone credit. It supports three modes: fixed amount (FIXED_VALUE_RECHARGE), range amount (RANGED_VALUE_RECHARGE), and recharge code (FIXED_PIN), covering high-penetration markets for phone bill payment such as Southeast Asia and the Middle East. It can also be directly connected through an electronic wallet, integrating local mainstream wallets such as GrabPay and Momo to achieve second-level fund arrival, with a single transaction cost lower than that of traditional card payments.

At the same time, it provides an automated solution for periodic payments such as salaries, commissions, and subscription services, supporting the consolidation of multiple payment instructions into a single file to enhance processing efficiency. For instance, e-commerce platforms can complete the distribution of tens of thousands of distributor commissions at one time. Enterprises can also pre-deposit funds into PayerMax proxy accounts and set up automatic payment trigger rules to reduce labor operation costs.

In occasional large-scale scenarios (inter-enterprise payments/supplier settlements), PayerMax addresses the pain points of large-scale payments in foreign trade, cross-border logistics, etc. It supports local currency payments such as PHP, IDR, and HKD. Enterprises can receive overseas payments without opening overseas bank accounts, solving the problem of the separation between information flow and capital flow. And through short-term/long-term foreign exchange lock-up schemes to avoid the risk of exchange rate fluctuations, especially in high foreign exchange loss markets such as Egypt and Turkey, the effect is remarkable.

To meet the payment habits and demands of different enterprises, PayerMax offers a variety of payment forms. Merchants can make a single payment in the background, which is suitable for the scenario of transferring money to a fixed recipient. The operation is simple and it is suitable for small and immediate payment needs. It also supports batch payments from the merchant's backend, which is suitable for regular payments when there are a small number or a fixed number of payees. Merchants can manually collect payee information without the need for development, thereby improving payment efficiency. API payment, on the other hand, is suitable for scenarios where a large number of uncertain recipients actively initiate withdrawals, such as user incentives or supplier requests for payment. Through API interfaces, enterprises can achieve automated payment, reduce manual intervention and improve payment efficiency.

PayerMax's cross-border payment solution has upgraded from a "payment channel" to a "growth engine" through scenario-based product design and a technical closed loop. Its low-amount and high-frequency solution reduces the cost of user incentives, the regular payment system enhances the efficiency of salary distribution, large enterprise payments address the pain points of cross-border trust and efficiency, and the secure and compliant underlying architecture provides a solid foundation for enterprises to operate globally. In the future, as its license network expands and AI risk control deepens, PayerMax will continue to participate in the evolution of cross-border payments.