Recurring crypto payments and subscriptions for businesses
Automate recurring crypto payments, subscription billing, and B2B invoice collection using stablecoins and cryptocurrency — with built-in compliance and pre-reconciliation on every transaction.
Notabene Flow enables businesses and payment platforms to automate crypto payments from your customers, supporting subscription-based models, recurring invoicing, cross-border B2B invoice collection, and flexible payment options across web3 and traditional payment systems.
Annual TPV processed on the network
Avg. Number of connections per counterparty
Transactions with straight-through processing
Avg. Number In stablecoin transactions
Every recurring payment authorised before it settles
Every recurring payment on Notabene Flow is authorised before it settles — counterparty verified, context structured, and compliance confirmed before funds move. Across 290+ regulated institutions in 100+ countries, payments arrive in minutes with the data needed to reconcile them
Infrastructure to automate recurring crypto payments
Notabene Flow provides infrastructure to automate recurring payment flows in crypto, enabling businesses to manage subscription services, recurring billing, and regular transactions without manual processing each time.
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Automate subscription payments in crypto
Set up recurring crypto payments at regular intervals, allowing customers to authorise automatic payments for subscriptions, memberships, and usage-based services.
Built for crypto billing and recurring invoicing
Create structured invoice and billing flows for crypto subscription services, ensuring payments are collected consistently and on time.
H3: Wallet-based payment flows
Enable payments from one wallet to another without requiring repeated manual approvals, improving the payments experience for both businesses and customers.
Seamless and flexible payment methods
Support multiple payment options including stablecoins like USDC, cryptocurrencies such as bitcoin and ethereum, and hybrid fiat integrations.
How recurring crypto payments work
A customer authorizes a recurring payment using cryptocurrency or stablecoins. Payments are then executed automatically at a scheduled date or set intervals, with each transaction authorised, checked for compliance, and settled on blockchain networks.
01
A recurring payment is set up
02
Customer authorisation is captured
03
Payments execute at scheduled intervals
04
Compliance checks run before settlement
Built for real-world payment flows
Accept international payments
Pull Payments
Receive payments from customers and partners globally using stablecoins, with instant settlement and automated reconciliation.
Send global payouts
Push Payments
Pay suppliers, partners, and teams across borders in minutes using stablecoin infrastructure.
Automate cross-border payments
Recurring Payments
Run subscriptions, payroll, and supplier payments across jurisdictions using programmable payment flows.
Who uses stablecoin cross-border payments
Fintechs and payment service providers
Offer faster and cheaper cross-border payments to customers without relying on legacy banking infrastructure.
Enterprises
Pay global suppliers, partners, and teams with instant settlement and lower transaction costs.
Wallet providers and custodians
Enable compliant cross-border payment flows directly within wallet and custody infrastructure.
On/off ramps and liquidity providers
Support seamless conversion between fiat and stablecoins for international payment flows.
Built on an open protocol governed by community and code
Notabene Flow is built on TAP—the open protocol for transaction authorization. It evolves through open contribution, enabling interoperable, programmable financial workflows across wallets, issuers, and platforms.
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No lock-in. No gatekeepers. Just open infrastructure.
Built on an open-loop network, Notabene Flow coordinates stablecoin payments with maximum flexibility.
No partner lock-in
You own the customer relationship
Works on any chain or with any digital asset
Frequently asked questions
What are stablecoin cross-border payments and how do they work?
Stablecoin cross-border payments use blockchain-based digital currencies pegged to fiat, such as USDC, to transfer value internationally. A payment is initiated, routed through a network, checked for compliance, and settled on-chain, often within minutes instead of days.
What are the benefits of using stablecoins for cross-border payments?
Stablecoin payments reduce settlement times from days to minutes, lower transaction costs, remove intermediary banks, and improve cash flow visibility. They also enable programmable payment flows and real-time reconciliation.
What are the challenges of stablecoin cross-border payments?
Key challenges include regulatory uncertainty, liquidity management, custody and key management, and integration with existing financial systems. These can be addressed through infrastructure that embeds compliance and connects fiat and stablecoin rails.
What regulations apply to stablecoin cross-border payments?
Stablecoin payments are subject to regulations such as the Travel Rule, anti-money laundering requirements, and counterparty verification standards. Businesses must ensure that transactions are screened and compliant before settlement.
How can organisations integrate stablecoins into existing payment workflows?
Businesses can integrate stablecoin payments through APIs and infrastructure providers that handle payment orchestration, compliance checks, settlement, and optional fiat conversion, without requiring deep blockchain expertise.
Which stablecoins and blockchain networks are used for cross-border payments?
Commonly used stablecoins include USDC and USDT, operating on networks such as Ethereum, Solana, and other high-throughput blockchains that support fast and cost-efficient transactions.
How much do stablecoin cross-border payments cost compared to traditional methods?
Traditional cross-border payments often cost between 2% and 4% per transaction, plus FX fees and intermediary charges. Stablecoin payments can reduce costs significantly, often to below 1%, depending on infrastructure and network fees.
What are real-world use cases of stablecoin cross-border b2b payments?
Use cases include supplier payments, global payroll, treasury management, remittances, and merchant settlements. Businesses use stablecoins to improve speed, reduce costs, and simplify international payment operations.
How do stablecoins maintain their value in cross-border transactions?
Stablecoins are typically backed by reserves such as fiat currency or short-term government assets, allowing them to maintain a stable value relative to a currency like the US dollar.
What is the future of stablecoin cross-border payments?
Stablecoin adoption is increasing as businesses seek faster and more efficient global payment systems. As regulation becomes clearer and infrastructure improves, stablecoins are expected to play a larger role in enterprise payment operations.