> For the complete documentation index, see [llms.txt](https://credible.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://credible.gitbook.io/docs/credible-overview/how-credible-works/pay-in.md). # Pay-in Credible enables global fintechs, neobanks, and internet businesses to collect payments across emerging markets using native local payment methods, while delivering instant T+0 settlement through stablecoin-backed liquidity. Instead of building separate integrations, prefunding local accounts, and waiting days for settlement, businesses can plug into Credible’s orchestration layer and move money across borders in real time.
### **Step 1: Customers Pay Using Local Methods** Credible supports the most widely used payment rails in emerging economies, including: * **UPI** (India) * **Pix** (Brazil) * **GCash** (Philippines) * **OPay** (Nigeria) * Local bank transfers and wallet networks This allows merchants to accept payments in local currencies through the methods consumers already use every day. ### **Step 2: Credible Orchestrates Collection Across Multiple Providers** Behind the scenes, Credible connects to a network of: * local payment processors * banking partners * wallet aggregators * on/off-ramp providers Rather than depending on a single PSP, Credible dynamically routes each transaction across the best available rail based on: * success rates * uptime * cost and FX efficiency * compliance requirements Merchants integrate once through a single API, while Credible manages all local complexity underneath. ### **Step 3: Payment Confirmation Happens Locally** Once the customer completes the payment via UPI, Pix, or a wallet rail, Credible receives a real-time confirmation event. At this point, the payment is verified locally — even though fiat settlement through the banking system may still take additional time. This is the key architectural shift: **Credible separates payment confirmation from settlement delays.** ### **Step 4: Instant T+0 Settlement via Stablecoin-Backed Liquidity** As soon as the pay-in is confirmed, Credible advances stablecoin-backed liquidity to the merchant instantly. Merchants receive settlement in: * USD * EUR * Stablecoins This happens in real time (T+0), without waiting for traditional bank settlement cycles. Credible effectively provides short-term settlement financing, bridging the gap between: * instant local payment execution * delayed fiat settlement finality ### **Step 5: Fiat Funds Settle Asynchronously and Reconcile Automatically** While the merchant has already received funds instantly, Credible completes the fiat collection flow through local rails in the background. Once the fiat funds are fully received: * the credit exposure is closed * balances are reconciled * treasury and ledger records are updated This removes the need for merchants to manage prefunding, working capital buffers, or fragmented settlement operations. ### **Step 6: Unified Reporting, Compliance, and Treasury Abstraction** Credible provides a full-stack pay-in infrastructure layer including: * unified settlement ledger * transaction monitoring and fraud controls * KYB/KYC enforcement * compliance-aware routing * consolidated reporting across markets Merchants get a predictable and scalable collection system across emerging economies, without building country-specific payment operations.