International bill pay
Settle utility, rent and municipal bills back home directly from abroad.
Cross-border financial technology
One platform for every payment that crosses a border
Arta Payment is a technology company connecting families and workers abroad with licensed financial partners — multi-currency access, purpose-built prepaid cards, eSIM connectivity and fast transfers.
- 200+
- Countries reachable
- 50+
- Currencies supported
- 24/7
- Transfer availability
- Bank-grade
- Security practices
Everyday services
Everything your family needs, in one place
Tuition, healthcare, bills, gift cards and top-ups — handled from wherever you live.
Tuition payments
Pay school and university fees for family members securely and on schedule.
Healthcare payments
Cover medical bills, hospital fees and insurance premiums for loved ones.
Gift cards
Send digital gift cards for local shops, restaurants and services.
eSIM connectivity
Instant eSIM profiles for travel and staying reachable across borders.
Mobile top-up
Recharge airtime and data for family members in almost any country.
Utilities & energy
Pay electricity, water and gas bills for your household remotely.
Remote services
Telemedicine, legal advice and administrative help in your home country.
Connect & access
Partner-linked accounts
Connect to digital wallets and asset accounts offered by licensed partners — crypto, precious metals and 50+ fiat currencies through a single interface.
Multi-currency
Hold EUR, USD, GBP and 50+ currencies through licensed electronic money institutions.
Digital gold
Buy, sell and convert gold holdings at live market rates via a licensed metals partner.
Digital silver
Diversify with silver through the same regulated custody partner network.
Crypto access
Manage major crypto assets through a licensed crypto-asset custodian.
Live conversion
Move between accounts at real-time rates with transparent pricing.
Safeguarded
Custody and safeguarding handled by regulated partners, not by us.
Clear reporting
One dashboard for balances, history and performance across accounts.
Funds and assets are held and safeguarded by licensed financial partners under their own regulatory authorisations. Arta Payment provides the technology interface only and does not hold customer funds or assets.
Purpose-driven cards
Prepaid cards that spend where they should
Cards designed so support reaches the right hands and is used for what matters.
Grocery card
A prepaid card restricted to food and grocery spending for families at home.
Learn moreHealth card
Dedicated to medical treatment, pharmacy purchases and insurance premiums.
Learn moreEducation card
Ring-fenced for schooling, books, exam fees and educational needs.
Learn moreFor newcomers
Newcomer payment card
A prepaid card issued after identity verification — modern financial access from day one, without a traditional local bank account.
- Issued on identity verification — no local bank account required
- Cashless payments and ATM withdrawals worldwide
- Online and e-commerce payments immediately
- Built for newly arrived residents and students
•••• •••• •••• 7890
Card holderValid thru 12/30
Crypto-funded services
Top up and buy with digital assets
Business customers fund their organisation panel with crypto, then issue prepaid Visa and Mastercard products, gift cards and eSIM plans for their teams and customers.
Organisation panel top-up
Load your company balance with major digital assets and spend it across every Arta Payment product from one dashboard.
- Fund the panel with USDT, USDC, BTC or ETH
- Balance credited after network confirmation
- Team seats with role-based spending limits
- Exportable invoices and transaction history
- USDT (TRC20 / ERC20)
- USDC
- Bitcoin
- Ethereum
Visa & Mastercard prepaid cards
Issue virtual and physical prepaid cards, funded with crypto and usable anywhere the networks are accepted.
View detailsGift cards
Hundreds of global brands — delivered instantly by email or through your organisation panel.
View detailseSIM data plans
Travel and regional data packages activated in minutes with a QR code, paid in crypto.
View detailsSmart Crypto Swap
Move any token across any network — cleanly
Send from one blockchain and receive on another in a single flow. Best-route pricing across hundreds of liquidity sources, with pre-transfer screening on both the source and the destination address.
Any network, any token
Bitcoin, Ethereum, Tron, BNB Chain, Solana, Polygon, Arbitrum, Optimism, Base, Avalanche, TON, Cosmos, Litecoin and every major token or stablecoin on them.
One seamless flow
No manual bridging, no wrapped-token juggling, no second exchange account. One deposit in, one confirmed delivery out.
Very low pricing
The engine compares hundreds of liquidity venues and bridges, then quotes the cheapest safe route with the network fee included.
Screened both ways
Source and destination addresses are risk-scored before execution, so you never unknowingly touch funds or wallets with a problematic history.
- Bitcoin
- Ethereum
- Tron
- BNB Chain
- Solana
- Polygon
- Arbitrum
- Optimism
- Base
- Avalanche
- TON
- Cosmos
Why we build it
Financial access, not financial friction
Sending money home is still expensive, slow and opaque. Arta Payment rebuilds those rails with modern payment technology, strong compliance and pricing people can read at a glance.
- Designed with and for migrant communities
- Regulated partners in every market we operate in
- Transparent pricing — no hidden spread
Inclusion
Tools for people the traditional banking system leaves out.
Education
Keeping students in school through reliable, purpose-bound payments.
Health
Making treatment payable from a distance without intermediaries.
Connectivity
Affordable mobile access so families stay in contact.
Social impact
Charity & donation platform
Transparent channels for one-off, round-up or percentage-based giving to verified NGOs and community projects in your home country — with a receipt for every contribution.
- Round up every transfer and send the difference to a cause you choose
- Only vetted, registered organisations appear in the directory
- Donation receipts and yearly summaries exportable for tax purposes
One-off donationsRound-up givingVerified NGOsTransparent reporting
Telecommunications
Traveller & newcomer eSIM
eSIM as a service (MVNO) built for migrants and travellers — arrive connected, without hunting for a local SIM or paying roaming rates.
- Data plans for 200+ destinations, activated by QR code in minutes
- Keep your existing number active alongside the eSIM
- Top up from your Arta Payment balance or with crypto
eSIM as a serviceMVNOGlobal coverageInstant activation
See eSIM plans
Our mission
Empowering every family that lives across two countries
Arta Payment grew out of how hard it still is to support people you love from another country. Traditional rails are expensive, slow and opaque. We rebuild them with modern payment technology, AI-based fraud detection and blockchain settlement — fast, affordable and readable.
- Built with empathy for migrant and diaspora communities
- Aligned with the UN Sustainable Development Goals
- Regulated and compliant in every market we serve
2024
Founded in Berlin
Building the next generation of cross-border finance for underserved communities.
AI
Fraud detection
Web3
Blockchain rails
Global impact
Learn more about the UN SDGsSustainable Development Goals
Every Arta Payment service is mapped to a UN Sustainable Development Goal — this is how we measure whether the product actually helps.
No poverty
Affordable transfers and microfinance tools help families out of poverty.
Zero hunger
Grocery cards make sure support is spent on food and nutrition.
Good health & well-being
Health cards and telemedicine payments open access to care.
Quality education
Education cards and tuition payments keep students in school.
Decent work & growth
Business gateways and microcredit fuel entrepreneurship back home.
Industry & innovation
Blockchain rails and digital vaults modernise financial infrastructure.
Reduced inequalities
Financial inclusion for migrants, refugees and the unbanked.
Partnerships for the goals
Diaspora networks and NGO channels turn into collective impact.
Partner with us
Reach a market the mainstream still overlooks
Retailers, clinics, schools and fintechs join our network to serve a fast-growing diaspora economy through one integration.
- $656B
- Global remittance flows
- 281M+
- International migrants
- 200+
- Countries served
- 8%
- Annual market growth
Download the app
Arta Payment on your phone
Every service — transfers, cards, gift cards, eSIM and swaps — in one app for Android and iOS.
Android · Beta
Android
Download the APK directly and start using Arta Payment today.
Download for AndroidiOS · Beta
iOS
Join our TestFlight beta and be among the first to try it on iPhone.
Join TestFlight betaBeta builds are released to registered testers. Contact us to be added to the list.
Contact
hello@artapayment.comLet's talk
Tell us what you need — partnerships, product access or press. We reply within two business days.
