Confirmo

Service Overview

Confirmo was founded in 2014 and is a stablecoin-first payment platform. The phrase is not decoration: product design assumes from the entry point that the customer pays in stablecoins, rather than supporting a pile of volatile assets first and adding stablecoins later. The result is a flow built around collecting a stably priced digital dollar rather than collecting a volatile asset and figuring out how to convert it.

Five product lines. Checkout combines hosted payment links, email invoices and QR code or wallet address payment for online merchants. Deposits serves account funding scenarios. Payouts supports single or batch API disbursement with settlement in minutes for suppliers or users. Subscribe is recurring stablecoin billing. Global Payroll targets cross-border salary payments. Together they cover a complete money flow rather than just acquiring.

Subscribe deserves separate treatment. Most crypto acquirers handle one-off collection; few move the "authorize once, debit automatically, cancel any time" subscription mechanic onto the stablecoin rail. That means subscription businesses no longer depend on card networks: the customer signs one mandate in a wallet, debits recur on a schedule, and revocation stops them. For SaaS, memberships, gaming and FX or prop-trading businesses that live on recurring charges, this is a structural difference rather than a feature.

The entity structure is relatively complex, spanning five legal entities: Confirmo Group (Czechia), Confirmo Limited (Ireland), Confirmo US LLC (United States), Confirmo FZE (Middle East, with VARA disclosure) and Confirmo SRL (Dominican Republic). The site cites MiCA and payment institution licenses covering the EU plus all 50 US states. Multiple entities mean compliance flexibility, and they also mean you must confirm which entity signs with you and which regime and dispute venue apply.

On operating metrics the site cites 12+ years of experience, a 2-day go-live, 99% customer retention, no chargeback risk, zero volatility and instant fiat-to-stablecoin exchange, with publicly named customers including Masspay, FTMO and Trezor. The 2-day launch and 99% retention read well together: the positioning is simple onboarding plus reliability-driven retention rather than capability stacking.

Two questions decide the fit. First, can your customers pay in stablecoins — if the audience is mainly fiat or Bitcoin, this does not reach them. Second, do you need recurring charges — for one-off collection the Subscribe advantage is unused and a cheaper acquirer will do. Where subscriptions, cross-border payouts and complete avoidance of card chargebacks all apply, the combination is hard to replace.

Key Strengths

• Subscribe puts subscription mechanics on the stablecoin rail: one authorization, scheduled automatic debits, revocation at will. Few crypto acquirers offer this, and for recurring-revenue industries it is a structural alternative rather than a feature.
• A stablecoin-first flow is simpler: there is no chain of decisions about price swings, whether to convert immediately and how to fix a rate. Collection yields a stably priced asset, so the gap with fiat acquiring narrows to a minimum.
• 5 product lines cover the full money flow: Checkout, Deposits, Payouts, Subscribe and Global Payroll run both ends of the flow in one system, cutting the reconciliation cost of stitching vendors together.
• Batch payouts with fast settlement: single or batch API disbursement settling in minutes matters to platforms paying suppliers or users frequently, because payout speed sets operating rhythm.
• Multiple entities provide compliance flexibility: entities in Czechia, Ireland, the US, the Middle East and the Dominican Republic let different regions match the appropriate regime instead of rebuilding from scratch on each expansion.
• No chargebacks and no volatility: stablecoin settlement is final and irreversible with no card-network retrieval, and stablecoin denomination removes price movement during collection, reducing bad debt and FX gain-loss lines at once.

Product Ecosystem

Checkout

Three shapes: hosted payment links, email invoices, and QR code or manual wallet address payment. Links can be sent by email or chat, which is easiest for teams without developers, while capable teams can integrate the API and build their own flow.

Deposits

For account funding such as topping up a platform balance, prepaid card loading or margin deposits. It differs from Checkout in fund ownership and downstream use, and usually integrates with an internal account system.

Payouts

Single or batch API disbursement settling in minutes, used to pay suppliers, partners or users. Batch capability matters most for payroll and split payments, cutting manual work and reconciliation errors.

Subscribe

The core of stablecoin subscriptions: one customer authorization, then scheduled automatic debits with cancellation at any time. It ports card-style subscription capability onto the chain, at the cost of depending on the wallet authorization state — switching wallets or revoking ends billing, so renewal management differs from card subscriptions.

Global Payroll

Batch payroll for distributed teams, typically sharing the underlying clearing capability with Payouts. For organizations paying in stablecoins it removes correspondent banks and repeated conversions, compressing settlement from days to minutes.

API and Integration

Interfaces connect collection, payouts and subscription state to custom systems, with fields and callbacks governed by official documentation. For subscription use cases, validate the three exception paths first: expired authorization, failed debit retry, and user cancellation.

Limitations

• Stablecoins only: Bitcoin, Ethereum and other volatile assets are outside the collection scope. If customers mostly hold BTC, the design does not reach them and a separate Bitcoin acquirer is required.
• Unavailable to mainland China entities: virtual-currency and stablecoin business activity is prohibited there, which is a prohibition rather than a difficulty. Overseas entities serving mainland customers must still assess regulatory risk.
• Subscriptions depend on authorization state: switching wallets, revoking mandates or insufficient balances all interrupt billing, with no card-network force-renewal. Revenue predictability is weaker than card subscriptions and recovery flows must be more proactive.
• Multi-entity contracting requires care: five legal entities mean different regimes and terms, and cross-border business may need separate contracts per region. Confirm the counterparty, governing law and dispute venue before signing.
• Stablecoin risk remains: depeg, issuer credit and reserve transparency risk sit with merchants and users, not the platform. Choosing which stablecoin to accept is choosing whose credit risk to carry.
• Opaque pricing: fees, settlement cycles and settleable currencies are contractual with no public schedule, which lengthens evaluation for teams that need to compare quickly.

Use Cases

• Subscription SaaS and membership businesses (★★★★★): recurring charges without card chargebacks and dispute cost make Subscribe the hardest capability to replace on this platform.
• FX, prop trading and gaming platforms (★★★★☆): customers funding with stablecoins and expecting fast payouts plus high retention match Confirmo's money flow closely, though industry acceptance and compliance requirements must be confirmed separately.
• Cross-border payroll and supplier settlement (★★★★☆): batch stablecoin payroll or payments bypass correspondent banks and repeated conversions, and minutes-level settlement helps remote team management and cash flow.
• Online merchants needing a fast launch (★★★★☆): the site cites a 2-day go-live, and hosted checkout plus email invoices suit teams without development resources, making it reasonable to launch first and optimize later.
• Mainland China operations (☆☆☆☆☆): virtual-currency and stablecoin business is prohibited domestically and neither entity nor business nature can be compliant. Not worth evaluating.
• Bitcoin-only businesses (★☆☆☆☆): the worst fit, since the product does not process volatile crypto assets and integration would serve no purpose.

Pricing

No percentages are listed because Confirmo does not publish a uniform fee schedule, and numbers from third-party reviews should not be treated as settlement terms. Actual fees, settleable currencies and settlement times follow the current official support list and your service contract.

FAQ

• How does Subscribe fundamentally differ from card subscriptions?
  Authorization and execution both happen on the wallet side: the user signs once, debits recur on schedule and can be revoked at any time. The upside is no chargebacks or card disputes and lower cost; the downside is no forced renewal, so switching wallets or revoking ends billing and renewal management must be more proactive.

• What happens when a subscription debit fails?
  Failure usually comes from insufficient balance, a revoked mandate or a changed wallet. The platform can provide failure notifications and retries, but recovery ultimately relies on your own flows — prompting top-ups or re-authorization. Treat this path as a core process rather than an exception branch when designing the product.

• Can customers pay with fiat?
  The product is stablecoin-first, and fiat-side capability follows current official disclosure. If customers are mainly fiat users, confirm whether and how fiat is supported instead of assuming card acceptance is available.

• Which of the five entities should sign?
  The one matching where the business operates. EU business maps to the Irish entity under MiCA, US business to Confirmo US LLC, and Middle East business involves the FZE with VARA disclosure. Confirm the counterparty, governing law, dispute venue and how customer funds are handled before signing.

• Can a mainland China company onboard?
  No. Virtual-currency and stablecoin business activity is prohibited there, and onboarding plus KYC cannot be satisfied. Overseas entities with mainland customers still need an independent compliance review.

Source: original 16IDC content. Product capabilities, supported countries and fee definitions follow the official documentation and your contract.