Collect in EUR, USD, MXN, BRL and GBP with local bank details in each market. Settle directly to USDC, no arbitrary reserves. Per-order reconciliation and integrated reporting for your finance team.
Guided KYB · No setup cost · Local bank details in 5 markets from day 1
Settlement consolidado · USDC
214 600.00 USDC
Settlement por mercado
Stripe charges 2.9 % + €0.30 per European order, 3.5 % + €0.30 per US order. PayPal rises to 4.4 % on cross-border. Your real margin isn't what your Shopify tells you — it's quite a bit less once you subtract fees, FX and disputes.
Your US store collects via Stripe. The Spanish one via Redsys. The Mexican one via OpenPay. Each settles differently, on different timelines, with different statements. Your monthly reporting is Frankenstein.
Your gateway holds 10-25 % of your collections for 90 days as a chargeback reserve. If your business grows hard one month, you have €100K trapped in reserve while you need to restock. Growth suffocates you.
You sell supplements, wellness-linked products, digital info-products, fashion drops. You hit €100K/month. Stripe flags you as "elevated risk" and reviews your account. PayPal closes you. Starting over with another gateway takes weeks.
What Kunga IS
What Kunga is NOT
Kunga complements your current stack. Your gateway keeps charging your customers, but now it settles to a multi-currency account with local details in each market and centralizes everything on a single platform for treasury.
When you activate your business account you get a European IBAN, US ACH routing, Mexican CLABE and support for BRL and GBP. Configure each gateway to settle to the corresponding local account. Your Stripe USA pays your ACH, your Shopify Payments Spain your IBAN, etc.
We don't apply preventive reserves like Stripe or PayPal. What you receive is available (with standard bank settlement times). Your cash flow doesn't suffocate when you grow. If a specific operation triggers an AML alert (regulated standard), your advisor contacts you to resolve it.
Every collection that arrives converts 1:1 to USDC, no hidden spread. Your treasury stops being in 5 scattered accounts and lives in a single balance. Convert to EUR, USD, MXN or whatever you need to pay suppliers, payroll and operations.
Every collection logged with timestamp, source currency, market of origin, USDC equivalent amount and fee. Exportable to CSV for your accountant or ERP. Your monthly reporting stops being Frankenstein.
Settlement of each gateway to the corresponding local account. Consolidated treasury in USDC. Payments to suppliers and agencies in any currency.
Conversion to USDC and international supplier payment with visible cost. No €50 SWIFT per operation.
Collections in multiple currencies, payouts to sellers in their local currency, reporting of each P2P operation. Marketplaces with user KYC may require specific due diligence.
Consolidated settlement, recurring revenue reporting by market, treasury management to cover burn and growth.
Receive your gateways' settlement in each country with local bank details. No SWIFT, no hidden spread on receipt.
VerPay your supplier in China in USD, your marketing agency in EUR, your fulfillment partner in LATAM in local currency. All from the same balance.
VerIf your e-commerce bills over €500K/month, an OTC desk with negotiated rates and a dedicated advisor for your treasury.
VerEnter your monthly volume. We'll tell you what you leave in fees and spreads today, and what you recover with Kunga.
Estimated annual cost with your current stack:
Estimated annual cost complementing with Kunga:
Payment gateways will keep charging their checkout fee (Kunga doesn't replace them). The savings come from eliminating costly conversions, avoiding reserves and reducing supplier payment fees. Estimate based on average sector rates Q1 2026.
For e-commerce with GMV over €5M/year, we offer tiered conditions. If your vertical falls into a high-risk category due to chargeback ratio or regulated sector, pricing may be adjusted with specific due diligence. Talk to an advisor for your case.
E-commerce is a broad sector. Most online stores selling standard physical products (fashion, electronics, home, decor) operate as standard e-commerce and apply the conditions on this page.
Some sub-segments may fall into a high-risk category based on due diligence: dropshipping with high chargeback ratios, supplements with specific regulatory claims, digital info-products with high refund ratios, high-volume fashion with massive returns, wellness-linked products with strict sector regulation, adult industry.
If your model falls into any of these sub-segments, we don't reject you by default: we apply specific due diligence and, if it meets criteria, we operate with you under agreed conditions.
See the approach for high-risk e-commerceYour funds are custodied by regulated Tier-1 entities, separated from Kunga's operations. Custody is in your company's name, segregated and auditable.
We don't freeze a percentage of your collections like traditional gateways. What you receive is available. If a specific operation requires regulatory validation (AML standard), your advisor contacts you directly.
We operate under a regulated European framework. Transaction monitoring to detect fraud or AML patterns, without paralyzing your operation over false positives.
Every operation is logged and exportable. If your finance team or external auditor needs detailed information by order, market or period, it's available.
Call with an advisor who understands e-commerce. You tell them your model (DTC, marketplace, subscription), markets you sell in, approximate monthly GMV, current gateways. The advisor confirms whether we can operate with you and under what conditions.
A dedicated advisor guides you through verification: corporate documentation, beneficial owners, due diligence proportional to your vertical. For standard e-commerce, agile due diligence. For verticals with high-risk elements, specific sector due diligence.
You receive your multi-currency bank details to configure each gateway's settlement. Multi-user access for your finance, ops or marketing team.
The process duration depends on your vertical, jurisdiction and corporate complexity. Your advisor gives you realistic expectations in the first call.
No. Kunga is not a payment gateway — it doesn't process credit cards at your checkout. Your current gateway (Stripe, PayPal, Shopify Payments, Adyen, etc.) remains the one charging your customers. Kunga is the treasury and collections layer that comes after: it receives each gateway's settlement, centralizes your treasury in USDC, pays suppliers and reports.
Once your business account is active, you configure in each gateway the bank details of your Kunga account for the corresponding market: European IBAN for Stripe Europe's EUR settlement, ACH routing for Stripe USA's USD settlement, CLABE for OpenPay Mexico's SPEI, etc. The gateway settles as if you were a local account in each country.
Yes, for B2B payments or direct transfer operations. Your customers can pay you by bank transfer to your IBAN, ACH or CLABE, without going through a gateway. But for standard B2C checkout (cards), you still need your gateway.
We don't apply preventive reserves like traditional gateways. If a specific operation triggers an automatic AML alert (common on any regulated platform), your advisor contacts you to resolve it, usually in hours, not months. No arbitrary 10-25 % reserves.
Yes, with due diligence on chargeback ratio, return policy and consumer protection compliance. If your dropshipping operates with standard metrics, no problem. If your model is aggressive with high fraud ratios, we go to /alto-riesgo with specific conditions.
We operate with supplements and wellness if they comply with labeling and claims regulation in the market where they sell. Specific due diligence on advertising claims and regulatory compliance.
For shipments to China, India and other Asian countries, we support payments via USDC to the supplier's wallet (if they accept it) or via compatible corridors. Verify the specific corridor's availability with your advisor before operating.
Today we offer CSV export of all operations, compatible with most accounting software (Holded, Quaderno, Xero, etc.). API integrations in development. For high-volume e-commerce, talk to an advisor about integration priorities.
No minimum GMV or monthly volume. The account is free to open and maintain. Specific conditions (OTC, tiered rates) activate at high volumes.
Availability subject to the company's country of incorporation and the residence of beneficial owners. Check at /cobertura before starting the conversation with an advisor.
Talk to an advisor who understands international e-commerce, or start the account opening process directly.
Guided KYB · No setup cost · Local bank details in 5 markets from day one
