Why PEYMO Is a Game-Changer for Merchants

Zero Hardware. Instant Settlement. No Chargebacks.

📣 London, UK – 15.January 2026 – Following the announcement of the upcoming PEYMO App launch, we now take a closer look at why PEYMO represents a fundamental shift for merchants worldwide.

While consumers experience simplicity and freedom, merchants gain something even more powerful: full control over payments, costs, and settlement — without intermediaries.

Payments Have Been Working Against Merchants

For decades, merchants have had to accept a broken status quo:

●  Expensive card terminals

●  Long-term POS contracts

●  1.5–4% transaction fees

●  Delayed settlement (T+2, T+5, or longer)

●  Chargebacks and fraud risk

●   Dependence on banks and acquirers

Digital payments became more complex — not more efficient.

PEYMO reverses this.

A Smartphone Becomes a Global Point-of-Sale

With PEYMO, any merchant smartphone instantly becomes a complete POS system.

There is:

●  No hardware to buy

●  No terminal rental

●  No installation

●  No bank integration

●  No card networks

●  No acquirers

-> The merchant simply displays a QR code.

-> The customer scans.

-> The payment settles instantly.

That’s it.

Instant Settlement — Finally

Traditional card payments only appear instant. In reality, merchants wait days or weeks to access their money.

With PEYMO:

●  Funds arrive immediately

●  Settlement is final

●  The merchant receives crypto directly into their own wallet

●  No holding accounts

●  No frozen balances

●  No delays

This radically improves cash flow, especially for:

●  Small businesses

●  High-volume merchants

●  International sellers

●  Digital and mobile merchants

Zero Chargebacks. Zero Reversals.

Card payments allow after-the-fact reversals, often long after goods or services are delivered.

PEYMO transactions are:

● Final

● Irreversible

● Recorded transparently on-chain

Once paid, the payment is settled — permanently.

This eliminates:

● Chargeback abuse

● Friendly fraud

● Administrative disputes

● Hidden operational losses

For merchants, this means certainty.

Lower Costs by Design

PEYMO is not built on legacy payment rails.

There are:

●  No interchange fees

●  No scheme fees

●  No acquirer margins

●  No terminal fees

Transaction costs are structurally lower than traditional card payments — especially for cross-border transactions.

For global merchants, this can mean thousands or millions saved annually.

Global From Day One

PEYMO does not care about borders.

A merchant in:

●  Europe

●  Asia

●  Africa

●  Latin America

…can accept payments from customers anywhere in the world instantly, without:

●  Local bank accounts

●  FX intermediaries

●  Country-specific acquiring

Crypto is the settlement layer — globally native by default.

Built for the Next Generation of Commerce

PEYMO is ideal for:

●  Retail stores

●  Cafés & restaurants

●  E-commerce

●  Events & pop-ups

●  Freelancers & creators

●  Emerging markets

●  High-risk industries

All with one app.

Not an Add-On. A Replacement.

PEYMO is not another payment option added to an already complex stack.

It is designed to replace:

●  Cash handling

●  Card terminals

●  Acquirer relationships

●  Delayed settlement models

This is a new payment standard, optimized for merchants — not banks.

About Peymo

is a UK-based fintech company building AI-powered, decentralized payment and finance infrastructure. By acting as an invisible technical layer between wallets, providers, and users, Peymo delivers a “one app, one tap” experience — without ever touching client funds.

The PEYMO App is launching soon on iOS and Android.

For more information, visit www.peymo.com.

Media Contact: 

Tomas Bartos 

press@peymo.com