TopaPay
Open account
NEW v2.8.2 — private KYC vault & automatic IP blocking

Every way money moves One wallet.

Topapay is a complete digital-wallet platform — deposits, P2P trading, virtual cards, international remittance, merchant payments and savings — for users, merchants and agents, all run from a single control panel.

Launch your wallet Explore all features
  • 3 portals — user, merchant, agent
  • 25 switchable platform features
  • 4 virtual-card issuers built in
Integrated out of the box
  • Stripe Issuing
  • StroWallet
  • Bitnob
  • Sumsub
  • Shufti Pro
  • Smile ID
  • WooCommerce
  • Twilio
  • Firebase
One platform, three portals

Built for everyone who touches the money.

For everyday users

A multi-currency wallet with cards, savings and global transfers built in — share one wallet ID and get paid.

Open user account
  • Send & request by wallet ID or email
  • Exchange between wallet currencies
  • Issue virtual cards in seconds
  • Send abroad at locked FX rates
  • Vaults with auto-save & round-ups
  • Trade on the P2P marketplace
Feature catalog

25 features. Every one a switch.

Turn any capability on or off per portal from Feature Management — with KYC, verified-phone and country rules attached — without touching code.

  • CORE

    Deposit Money

    Top up the wallet using any active payment gateway or manual deposit method.

    • User
    • Merchant
    • Agent
  • CORE KYC

    Withdraw Money

    Move balance to linked bank, mobile money or crypto payout methods.

    • User
    • Merchant
    • Agent
  • KYC

    Send Money

    Transfer balance instantly to another user by wallet ID or email.

    • User
    • Merchant
    • Agent

  • Request Money

    Raise payment requests another user can approve and pay from their wallet.

    • User
    • Agent

  • Exchange Money

    Convert balance between supported wallet currencies with the rate engine.

    • User
    • Agent

  • Wallet Earn

    Stake balances in supported currencies and earn scheduled rewards.

    • User

  • Mobile Recharge

    Recharge any mobile number from wallet balance via the configured provider.

    • User
    • Agent

  • Bill Payments

    Pay electricity, water, TV, internet and school bills from wallet balance.

    • User
    • Merchant
    • Agent
  • KYC

    Mass Payments

    Let merchants pay many recipients at once from one wallet, by CSV upload or rows entered by hand, with a preview before any money moves.

    • Merchant
  • KYC

    Mass Payouts

    Let merchants pay many external bank or mobile money accounts at once through one withdraw method, with a preview and admin approval before any money is sent.

    • Merchant

  • Budgets

    Spending limits per category, measured against Insights, with alerts.

    • User
    • Merchant
    • Agent

  • Vaults

    Ring-fence savings goals with auto-save rules and round-ups.

    • User
    • Merchant
    • Agent

  • Scheduled Payments

    Schedule sends, vault top-ups and recharges once or on a cadence.

    • User
    • Merchant
    • Agent
  • KYC

    Bank Transfer Payouts

    Linked-bank withdraw methods, hidden everywhere when switched off.

    • User
    • Merchant
    • Agent

  • International Remittance

    Send abroad with locked FX, beneficiaries and pluggable payout partners.

    • User
    • Merchant
    • Agent

  • Payment Links

    Shareable links anyone can pay from a wallet or supported gateway.

    • User
    • Merchant
    • Agent
  • KYC

    Merchant Payment

    Customers pay registered merchants from wallet or connected methods.

    • User
    • Merchant

  • Vendor Marketplace

    Vendor storefronts with split payments and platform commission.

    • User
    • Merchant
    • Agent

  • Agent Program

    Agent registration, login and dashboard — one switch for every surface.

    • User
    • Merchant
    • Agent

  • Subscription System

    Plans, checkout, renewals, cancellations and subscription history.

    • User
    • Merchant
  • KYC

    Virtual Cards

    Issue, manage and transact on cards from multiple card providers.

    • User
    • Merchant

  • Referral Program

    Referral link, referral tree and configurable reward settings.

    • User
    • Merchant
    • Agent

  • User Ranks

    Rank progression with wallet limits, referral levels and reward tiers.

    • User
    • Merchant
    • Agent

  • Vouchers

    Redeemable gift and top-up vouchers — usable at checkout too.

    • User
    • Agent

  • Gift Cards

    Designed gift cards delivered by email with a private redeem link.

    • User
    • Merchant
    • Agent
Virtual cards

Multi-provider cards, issued in seconds.

Plug in Stripe, StroWallet or Bitnob — adding another issuer is a single line. Cards fund from any wallet currency with the conversion recorded on every row, and the UI only shows actions the provider supports.

What each card provider supports
Capability Stripe Issuing StroWallet Provider Bitnob BSICARDS
Issue cards Supported Supported Supported Supported
Card details Supported Supported Supported Supported
Top-up Not supported Supported Supported Supported
Withdraw Not supported Supported Supported Not supported
Freeze / unfreeze Supported Supported Supported Supported
Spending limits Supported Not supported Supported Not supported
Channel controls Supported Not supported Not supported Not supported
Card activity Not supported Supported Not supported Supported

Theme: Midnight · Freeze, limits, top-up & withdraw from the wallet

Send money abroad Rate locked 15:00
USD
Transfer fee
+ 2.99 USD
Locked rate
1 USD = 121.84 BDT
They receive
60,920.00 BDT
Bangladeshi taka · 2 decimals Sample rates
International remittance

Borders are just another corridor.

Locked FX quotes, saved beneficiaries and pluggable payout partners. Every leg lands in its own currency’s precision — three decimals for Kuwaiti dinar, none for yen.

  • Payout partners
    Bitnob, Stripe Connect or manual approval
  • Auto reconciliation
    Stuck transfers are polled and flagged
  • Beneficiaries
    Save recipients, send again in two taps
  • Compliance tiers
    Limits scale with verification level
Sending limits by verification tier
Tier Per send Daily Monthly
T0 1,000 1,000 3,000
T1 5,000 10,000 25,000
T2 10,000 25,000 75,000
T3 25,000 50,000 150,000
Business & merchant

Get paid everywhere your customers are.

Links, QR, checkout plugins and an enterprise-grade API — all settling straight into the merchant wallet.

  • Payment links

    Share a link anywhere. Anyone can pay from a wallet or any supported gateway.

  • QR code payments

    Customers scan the merchant’s code and pay in-store from their wallet.

  • WooCommerce plugin

    Drop DigiKash into any WooCommerce store as a checkout method.

  • Merchant API

    Enterprise-structured API for custom checkouts, with refunds from the transaction.

  • Vendor marketplace

    In-platform storefronts with split payments — vendors get net, you keep commission.

  • Subscriptions

    Plans, checkout, renewals, cancellations and history, fully managed.

Save & grow

A wallet that helps money stay.

Ring-fence savings, cap spending, automate payments and earn on idle balances — engagement tools that keep customers coming back.

  • Budgets & alerts
  • Scheduled payments
  • Wallet Earn staking
  • User ranks & tiers
  • Referral tree
  • Designed gift cards
Security & compliance

Bank-grade guardrails, switched on by default.

Automated identity checks, private document storage and a risk engine that judges every sign-in against that account’s own history.

  • Automated KYC

    Sumsub, Shufti Pro and Smile ID with hosted capture and webhook verdicts.

  • Private document vault

    Identity documents live outside the web root, streamed only to authorised reviewers.

  • Automatic IP blocking

    Abusive addresses are scored and blocked, escalating on repeat offences.

  • Impossible-travel detection

    Suspicious sign-ins are blocked and the account holder alerted by email and push.

  • 2FA & wallet PIN

    Two-factor sign-in plus a PIN before money leaves the wallet.

  • Precision-safe ledger

    Decimal money at each currency’s own precision — from BTC to JPY.

For operators

Run the whole fintech from one control panel.

  • Feature management

    Per-portal switches with KYC and country rules.

  • Action-first dashboard

    Review queues with SLA targets, treasury and platform health.

  • Command palette

    Search pages, users and transactions from the top bar.

  • Ledger & CSV export

    Approve and refund straight from the transaction record.

  • Custom landing uploader

    Launch your own HTML/CSS front page in minutes.

  • Theme manager

    Switch landing themes and tune brand colours without touching code.

  • PWA & web push

    Installable app experience with real-time notifications.

  • One-click updater

    Install releases with snapshot and file rollback.

Launch your digital wallet with TopaPay.

Wallets, cards, remittance, merchants and agents — ready for your brand today.

Open free account Become a merchant