Introducing STICPAY, a reliable alternative to legacy online payment solutions in the global market


STICPAY is an international e-money service provider fronted by a young but experienced team which has already built an inspiring portfolio in a short space of time and is ready to bring a fresh perspective to business development on online payment market.

The company was founded in 2018 and has acquired the Financial Conduct Authority e-money license. As a regulated financial entity, STICPAY safeguards customers’ funds in segregated bank accounts where the customers have access to the funds at any time for withdrawal. To date, STICPAY has users representing 160 countries and more than 355 registered merchants across numerous verticals.

STICPAY team mostly comes from fintech, IT and venture capital world, and has experience working in various local and global markets as far flung as the UK, Japan, China, Russia and elsewhere. STICPAY is a multilingual company, and its website and app support over 15 languages. Top management includes experienced entrepreneurs fostering a management style within the company that emphasises flexibility and loyalty – this very culture has shaped STICPAY’s emphasis on customer centric approach.

Following the digital trends and actively working towards increasing adoption of online payments on the global market, STICPAY has became a broad ecosystem providing services that include cross-border transfers, prepaid cards, reward programs on platform. The company’s strategy is based on two main pillars: Local Market Approach and Customer Centric Services.


Each country has its own most popular payment method, local currency and political and economical landscape. Maintaining an individual approach to each market, STICPAY offers for deposits and withdrawals, transfer user-to-user or user-to-platform or vice versa, the following variety of payment methods: Local Bank Wire, Visa, Mastercard, International Bank Wire, UnionPay, STIC prepaid card, and crypto (bitcoin, ethereum and litecoin).

The possibility of making local bank wire transfers as a payment method on platform means STICPAY offers deposits from local bank accounts and also withdrawals within one working day in more than 35 countries on different continents (for instance, withdrawals: EU, Hong Kong, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea).

More countries are being added periodically since this payment method is strategically important in the market. Local Bank Wire service saves user’s time and money compared, for instance, with transactions through an International Bank Wire.

The e-wallet is also equipped with a diverse portfolio of currencies for making transactions (23 local fiat currencies and three cryptocurrencies): AED, AUD, CHF, CNY, EUR, GBP, HKD, HUF, IDR, INR, JPY, KHR, MXN, NPR, PEN, PHP, PLN, RUB, SGD, THB, USD AND VND, BITCOIN, ETHEREUM AND LITECOIN. The conversion rates fiat-to-fiat and crypto-to-fiat on STICPAY platform are lower than those of its major competitors.

One of the most interesting and in-demand features for many countries is STIC prepaid card. The card can be used worldwide for ATM withdrawals as well as for online and offline purchases where UnionPay is accepted.

The card default currency is HKD and you can use up equivalent to $2,000 a day for online and offline purchases and up to $5,000 for ATM withdrawals. The monthly limit is equivalent to $9,500 for purchases and withdrawals combined. Charging STIC card is done instantly through your STICPAY online account within one day. The STIC Cards are enjoying popularity in Asia and planning to expand into the European market this year.


Understanding that any questions related to money and finance are sensitive for users and merchants is very important for online payment market, which is why STICPAY support team works 24/7 to deliver tailored responses to customer and merchant requests within a 24-hour window.

Responding to market trends of users’ participation in the ecosystem of payment companies, STICPAY provides opportunities to users to earn commissions. The first one is a reward programme, SCOIN, which takes the form of an internal currency to be used within the STICPAY wallet, rewarding members for actively using the services.

SCOIN in the value of up to 20% of the fees charged will be rewarded, depending on transaction type, and will benefit users by saving them money on service charges for all transactions (deposits, withdrawals, merchant services) on STICPAY accounts.

All users may then convert SCOIN to any fiat currency, which can then be used to complete transactions of all types. The second way is through the referral programme with an opportunity to earn 20% of the fees arising from the customers referred.

When it comes to daily usage, STICPAY boasts state of the art and user-friendly interface with multi-platform apps and API connections where the customers and merchants benefit from the frictionless transactions in all stages.

STICPAY is working hard to further its development goals, streamlining its products and nurturing its technological and management resources to secure a stronger position in the market and participate with other fintech companies in moving countries towards a cashless society.

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