For Merchants & Enterprises

Privacy is Your
Competitive Edge.

Protect your commercial secrets, automate reconciliation, and earn yield on idle settlement funds — with InvisiPay's privacy-first payment infrastructure.

( 01 ) The Challenge

Privacy isn't just a right.
It's a commercial edge.

In the digital economy, procurement costs, sales volumes, and vendor relationships are all visible on-chain — turning transparency into a competitive disadvantage.

COMPETITOR VIEW · etherscan-style target: 0xACME...4f8c · last 30 days
BlockTx HashFrom → ToAmount
19,284,712 0x7f3a...b2c1 ACME → SUP_A $1,240,800.00
19,283,008 0x4f9a...3b2c ACME → SUP_A $1,180,200.00 ↑ recurring · 28-day cycle
19,278,331 0x8d2e...c7a3 CUST_92 → ACME + $48,200.00
19,276,914 0x2c1f...9e8b ACME → SUP_B $320,500.00
19,275,210 0x6e8a...4d5f ACME → SUP_A $1,220,400.00 ↑ same vendor · price pattern leaked
19,271,005 0xfa1b...77c2 ACME → PAYROLL $184,000.00
EXTRACTED INTELLIGENCE
Top vendor 0x4f9a...3b2c · SUP_A
Monthly spend ~$1.21M  ·  ±5%
Margin estimate 22%  EXPOSED
Cash-flow cycle 14 days  EXPOSED
Top customer CUST_92 · 32% rev share
→ With InvisiPay shielded payments
All amounts & counterparties become ▒▒▒▒▒▒▒▒. Competitors can't reconstruct your supply chain, pricing, or margins from on-chain data.

Alpha Exposure

Competitors analyze your supply chain costs, volume, and profit margins from public on-chain data.

Security Risk

Exposed payment data enables targeted phishing attacks and social engineering on key personnel.

Privacy-Business Gap

Existing privacy tools can't support instant callbacks or automated reconciliation. Privacy assets become isolated islands.

0+ Countries Covered
0+ Fiat Currencies
0% Payment Success Rate
0% Gas Reduction
01 · ON-RAMP

Global On-Ramp Aggregation

Unified API integrating Visa, Mastercard, Apple Pay and 90+ fiat currencies across 180+ countries. One integration, global coverage, 95%+ success rate.

VVisaLIVE180 countries
MMastercardLIVE180 countries
Apple PayLIVE70 countries
GGoogle PaySOONQ3 2026
Alipay / WeChat PayLIVECN · HK · SG
¥SEPA / FPS / FedNowLIVEEU · UK · US
02 · PRIVACY

ZK Privacy Payments

ZK-proof powered privacy pool. Addresses and amounts hidden on-chain. Sub-hot-cold three-layer self-custodial architecture.

Sender
Privacy Pool
Receiver
Link severed · value preserved
03 · VERIFY

Instant ZK Verification

Non-interactive ZK verification (NIZK). Merchants confirm payments instantly while funds remain in the privacy pool.

Payment sent
ZK proof generated
Merchant verified
Order fulfilled
↳ Funds remain in privacy pool
04 · RECURSION

Proof Recursion

Compressing 1,000 payment proofs into a single constant-sized verification. Slashing gas costs by >98%.

1
1,000 proofs1 verification−98% gas
05 · YIELD

Yield-Bearing Settlements

Idle funds in the privacy pool earn 6-8% APY via blue-chip DeFi (Lido, Aave). High-frequency merchants reach negative effective fees.

6.8% APY
Lido stETH
3.4%
Aave USDC
2.1%
Compound
1.3%
Effective fee
−0.4%
( 03 ) Integration Benefits

One integration.
Infinite possibilities.

One API Global Coverage

A single unified API covering 180+ countries and 90+ fiat currencies. No more juggling multiple payment providers or regional integrations.

Automated Reconciliation

ZK-verified instant payment callbacks with automated settlement reconciliation. No manual matching, no delayed confirmations.

Negative Fee Model

Idle settlement funds earn 6-8% APY in the privacy pool. High-volume merchants earn more than they pay in fees — payments that pay you back.

( 04 ) Invisible Connect

No ZK infra required.
We handle everything.

Invisible Connect is the managed service layer on top of Invisible Protocol. You get privacy payments out of the box — no ZK circuit deployment, no key management, no gas wallets needed on your side.

POST api.invisipay.fi/v1/invoices request
// Create an invoice — merchant backend
const invoice = await invisi.invoices.create({
  amount: 240_00,        // cents · USDC
  currency: 'USDC',
  order_id: 'ord_5821',
  mode: 'shielded',    // or 'public'
  webhook_url: 'https://shop.example.com/hooks/invisi'
});
PUSH webhook · payment.confirmed on-chain ✓
// Pushed the moment ZK proof lands on-chain
{
  "event": "payment.confirmed",
  "invoice_id": "inv_4f9a3b2c",
  "order_id": "ord_5821",
  "amount": 240_00,
  "commitment": "0x7f3a...b2c1",
  "proof_verified_at": "2026-05-28T14:32:11Z"
}
01

Invoice API & Instant Webhooks

Create payment invoices via a simple REST API. Receive instant webhook callbacks the moment a paymentCommitment is confirmed on-chain — no polling, no delays.

POST /v1/invoices
Commitment confirmed on-chain
Webhook pushed instantly
Order fulfilled automatically
02

Smart Settlement Strategies

Configure auto-settlement by schedule, transaction count, or cumulative amount. IC generates batch ZK proofs server-side and sponsors all gas — 100% of funds go directly to your receiving address.

Daily CronLive
#Count TriggerLive
$Amount TriggerLive
Manual TriggerLive
03

Multi-Channel Management

Create independent payment channels under one account — separate online store, POS, subscription, and B2B streams with individual settlement configs and unified reporting dashboard.

N channels → 1 dashboard
( 05 ) Compliance & Trust

Privacy without
compromising compliance.

Invisible Connect operates as a regulated VASP. We handle merchant KYC, AML transaction monitoring, Travel Rule compliance, and sanction screening — so your team doesn't have to.

COMPLIANCE STATUS · LIVE vasp · ofac · un · eu · fatf · iso27001
01 Merchant KYC CLEAR
ID verified2,184 merchants
Sanctions screenedOFAC · UN · EU
Reject rate2.3%
02 AML Monitoring 3 FLAGS
Spike detector12 in 24h
Structuring2 flagged
Dormant reactivation1 flagged
03 Travel Rule AT-LIMIT
pay_shielded cap< $1,000
pay_public VASP-to-VASPenabled
Audit trailView-key signed
All systems operational · last audit Apr 14, 2026
cert: VASP-EU-2024-08821 · iso27001 · soc2-type-ii

Ready to make payments
invisible?

Join the merchants building on
the privacy-first payment layer.