# Payment infrastructure for PSPs expanding beyond card acquiring

Routefusion helps PSPs and payment platforms support merchant receiving accounts, virtual account reconciliation, FX conversion, fiat payouts, and USDC-funded settlement from one API.

185+

Countries  
80+

Currencies  
1

API

## Where PSP payment operations get stuck

### Merchant-Level Account Needs
Merchants want practical ways to receive funds, but PSPs still need controlled account structures, reconciliation, and eligibility checks behind the scenes.

### FX And Settlement Complexity
Cross-border merchant flows often require collection, conversion, payout, and settlement across several currencies and operating models.

### Separate Rail Providers
Running fiat payouts, local rails, SWIFT, stablecoin funding, account workflows, and reporting through separate vendors creates operational drag.

## Give merchants account access, FX, and settlement without rebuilding the banking layer

Routefusion gives payment platforms a programmable infrastructure layer for merchant money movement. Use account workflows where supported, reconcile funds by merchant or program, convert FX, and settle through fiat or USDC-funded payout rails with implementation support from payments operators.

- Support merchant receiving account and virtual account workflows where eligible  
- Map collections back to merchants, programs, or ledger entries  
- Convert FX and settle across fiat, local rail, SWIFT, and USDC-funded routes  
- Design corridor coverage, compliance ownership, and launch sequencing with Routefusion  
- Keep the merchant experience in your product while Routefusion supports the infrastructure layer

Merchant Accounts  
Virtual Accounts  
FX Conversion  
USDC + Fiat Rails  
Cross-Border Payouts  
API-First Rollout

## Infrastructure PSPs can build on

**Virtual Accounts**  
Create account and reference structures that help map incoming funds to the right merchant, program, or ledger entry.  
  
**Global Bank Accounts**  
Use account infrastructure for eligible business and platform programs that need to receive, hold, and move funds.  
  
**Cross-Border Payments**  
Move merchant funds across countries through SWIFT, local rails, and payout routes matched to corridor and recipient needs.  
  
**Global USDC Funding**  
Use USDC-funded settlement where it improves operating coverage, timing, or funding flexibility, while keeping fiat rails available.  
  
**FX Hedging**  
Support predictable currency conversion and rate-management workflows for merchant settlement and platform treasury operations.  
  
**Global Ledger**  
Track balances, transfers, metadata, and reconciliation workflows across currencies and merchant programs.

## What PSPs get from Routefusion

### Merchant-Level Reconciliation
Use virtual accounts, metadata, transfer status, and reporting patterns to connect funds back to merchant activity.

### Fiat And Stablecoin Flexibility
Use the rail that fits the corridor, recipient, settlement timing, compliance path, and operating model.

### Fewer Infrastructure Vendors
Bring accounts, FX, payouts, funding, and reconciliation into one payment infrastructure relationship.

### Implementation Support
Work with Routefusion on corridor review, account structure, compliance dependencies, and rollout planning.

## Map your PSP account and settlement architecture.
Talk with Routefusion about merchant receiving accounts, virtual accounts, FX, USDC, payout rails, and compliance ownership.