STICPAY
Remittance & money transfer software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
Take the quiz to check if STICPAY and its alternatives fit your requirements.
Pay-as-you-go
Free Trial unavailable
Free version
Small
Medium
Large
-
What is STICPAY
STICPAY is a digital wallet and money transfer platform that supports storing funds, sending and receiving payments, and withdrawing to external methods such as bank transfer and cards (availability varies by country). It is used by individuals and businesses that need cross-border payouts, online payment collection, or wallet-based transfers, including use cases in online services and marketplaces. The product centers on a multi-currency e-wallet experience rather than a full accounting suite, with finance-related features focused on transaction handling and balance management.
Multi-currency wallet and transfers
STICPAY provides an e-wallet that can hold balances and facilitate transfers between users and to external payout methods. This supports common remittance and payout workflows where recipients prefer wallet-based receipt before withdrawing. For organizations, it can simplify disbursements when payees are distributed across multiple countries.
Multiple funding and payout rails
The platform supports several ways to add and withdraw funds, such as card-based methods and bank transfers, depending on jurisdiction and user verification status. This flexibility can reduce friction compared with solutions that rely on a single rail. It also helps businesses accommodate payees with different local banking access.
API and merchant integration options
STICPAY offers integration options intended for merchants and platforms that need to accept payments or automate payouts. This can be useful for businesses that want to embed wallet payments into their checkout or settlement flows. Compared with finance tools that focus on internal spend management, STICPAY is oriented toward external payment movement and settlement.
Limited accounting-native functionality
STICPAY is not a general ledger or accounting system and does not replace core accounting & finance software. Reporting is typically transaction- and balance-centric rather than providing accounting controls like chart of accounts, accrual handling, or close management. Organizations usually need exports or integrations to reconcile activity in their accounting platform.
Country and method availability varies
Supported currencies, funding methods, and withdrawal options can differ by country and may change based on regulatory requirements. This can complicate standardization for global programs that need consistent payout rails across regions. Businesses may need contingency methods for certain corridors or recipient locations.
Compliance and verification friction
As a regulated financial service, STICPAY requires identity and business verification, and may apply transaction monitoring and limits. These controls can introduce onboarding time and occasional payment delays for higher-risk use cases. Teams should plan for KYC/KYB workflows and support processes when scaling payouts.
Plan & Pricing
Pricing model: Pay-as-you-go
Free tier/trial:
- Free e-wallet account (permanently free to open/use; fees apply per transaction). See sign-up page.
- No time-limited free trial listed on official site.
Example costs (official site – selected items):
- Internal transfers (Customer ↔ Customer): 1% (sender).
- Internal transfers (Customer → Merchant): Customer: Free; Merchant: 2.5% + USD 0.30.
- Debit/Credit card (Visa, Mastercard, JCB, AMEX) – Deposit: 3.85%.
- International Bank Wire – Deposit: 1%; Withdraw: 5%.
- Local bank wire (examples shown on site):
- Deposit (ID/IDR): 3.5%.
- Deposit (JP/JPY): 4% + JPY 100.
- Deposit (KR/KRW): 2% + KRW 500.
- Withdraw (AU/AUD): 1.5% + AUD 3.
- Withdraw (CN/CNY): 2.5% + CNY 30.
- Withdraw (HK/HKD): 2% + HKD 30.
- Withdraw (ID/IDR): 1.5% + IDR 20,000.
- STIC CARD (prepaid card) – issuance & delivery:
- Virtual card issuance fee: USD 5.
- Physical card issuance fee: USD 50.
- Physical card international mail delivery: Free; courier delivery: USD 40.
Discount options: Not stated on the official site. Merchant/enterprise pricing or negotiated rates are not published; merchants are directed to contact merchant@sticpay.com.
Notes & scope: Fees vary by country, currency and payment method; the official STICPAY fees page lists many country-specific local bank-wire and local payment method fees. This summary pulls representative examples only; refer to STICPAY's official "Fee detail" page for the full, country-specific table.
