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Products

Tavio offers five core product modules. Each can be used independently or together as a unified payment stack.

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Tavio Gateway

Tavio Gateway is a hosted checkout experience that accepts fiat and crypto payments in a single, embeddable flow. Merchants integrate it with a script tag or SDK call and immediately gain access to every payment method Tavio supports.

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Key Features

  • Accepts credit/debit cards, bank transfers (ACH/SEPA/local rails), and crypto from 10+ chains in one checkout session.
  • Hosted by Tavio, PCI-DSS scope is handled entirely on Tavio’s infrastructure.
  • Customizable branding: logo, colors, and domain via CNAME.
  • Real-time conversion quotes shown to the payer before confirmation.
  • Webhook notifications on payment status changes (pending, completed, failed, refunded).

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Integration

import { TavioCheckout } from "@tavio/sdk";

const checkout = new TavioCheckout({
  apiKey: "tv_live_xxxxxxxxxxxx",
  amount: 5000, // in cents
  currency: "USD",
  settlementAsset: "USDC",
  orderId: "order_123",
  onSuccess: (payment) => console.log(payment),
});

checkout.open();
Tavio Links lets merchants generate shareable payment URLs in seconds—no code required. Links can be shared via WhatsApp, email, SMS, or embedded in any digital surface.

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Key Features

  • Create a link from the dashboard in under 30 seconds.
  • Set a fixed amount or allow the payer to choose the amount.
  • Supports expiry dates, single-use or multi-use links.
  • Accepts any Tavio-supported payment method.
  • Real-time dashboard notifications and webhook events.
  • Shareable via QR code (auto-generated for every link).

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API Creation

POST /v1/payment-links
{
  "amount": 2500,
  "currency": "USD",
  "description": "Design consultation - 1 hour",
  "expires_at": "2026-03-01T00:00:00Z",
  "single_use": false
}

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Tavio Invoicing

Tavio Invoicing provides a professional invoicing tool that lets businesses create, send, and track invoices with customers able to pay in fiat or crypto. Merchants always settle in their preferred currency.

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Key Features

  • Create itemized invoices with line items, taxes, and discounts.
  • Supports partial payments and installment schedules.
  • Automatic payment reminders (3 days before, on due date, 3 days after).
  • PDF invoice generation with merchant branding.
  • Invoice status tracking: draft, sent, viewed, partially paid, paid, overdue.
  • Multi-currency invoicing - invoice in USD, EUR, NGN, or any supported currency.

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Invoice Lifecycle

1

Create

Create the invoice from the dashboard or via API
2

Send

Send to the customer via email or a custom link
3

Customer Views & Pays

Customer views the invoice and pays in fiat or crypto
4

Tavio Routes & Converts

Tavio handles the transparent currency conversion natively on Stellar
5

Merchant Settles

The merchant settles in their preferred currency (stablecoin, fiat, XLM, etc)

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Tavio Payouts

Tavio Payouts is a global disbursement engine. Businesses can send bulk payments to individuals or other businesses worldwide—to bank accounts, mobile money wallets, or crypto wallets—in a single API call.

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Key Features

  • Bulk payout API: send to 1 or 10,000 recipients in one request.
  • Supported destination types: bank account (local and SWIFT), mobile money (M-Pesa, MTN, Airtel), and crypto wallets on any supported chain.
  • Automatic FX conversion at the time of disbursement.
  • Payout scheduling: immediate, scheduled, or recurring.
  • Per-payout status tracking with webhook events.

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API Example

POST /v1/payouts/bulk
{
  "payouts": [
    {
      "recipient_id": "rec_abc123",
      "amount": 10000,
      "currency": "NGN",
      "destination": { "type": "mobile_money", "provider": "mtn", "number": "+2348012345678" }
    },
    {
      "recipient_id": "rec_def456",
      "amount": 500,
      "currency": "USD",
      "destination": { "type": "bank_account", "routing": "021000021", "account": "1234567890" }
    }
  ]
}

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Tavio On/Off Ramp

Tavio’s on/off ramp module enables direct fiat-to-crypto and crypto-to-fiat conversion for end users or as a white-label service for platforms building their own ramp experience.

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On-Ramp (Fiat → Crypto)

  1. The user initiates a deposit in fiat (bank transfer, card, mobile money).
  2. Tavio converts to the target crypto asset via Stellar anchors and path payments.
  3. Crypto lands in the user’s specified wallet within seconds of fiat confirmation.

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Off-Ramp (Crypto → Fiat)

  1. Users send crypto to their Tavio off-ramp address (any supported chain).
  2. Tavio bridges and converts to stablecoin on Stellar, then uses anchor network to deliver fiat.
  3. Funds arrive in the user’s bank account or mobile money wallet.

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White-Label

Platforms can embed Tavio’s ramp directly into their product via the SDK or iframe embed, with full custom branding and their own KYC flow via Tavio’s compliance API.