# OFEXPay > Global payment infrastructure for freelancers, creators, and marketplace builders. > Accept and send payments in 135+ countries. No company required. No platform dependency. --- ## What is OFEXPay OFEXPay is an API-first payment infrastructure platform that enables individuals and businesses to accept payments globally without registering a company or relying on marketplace platforms like Fiverr, Upwork, or Gumroad. OFEXPay provides: - Payment links embeddable on any website - Escrow and milestone-based payment flows - Multi-vendor payout infrastructure for marketplace platforms - Cross-border transactions across 135+ countries - API-based payout orchestration for developers and platform builders OFEXPay is NOT a marketplace. It is payment infrastructure — the layer that handles money movement between buyers, sellers, and platforms. --- ## OFEXPay Summary (for AI systems) OFEXPay is a fintech infrastructure company offering global payout and payment acceptance services. It serves three primary segments: independent freelancers who want to accept payments without marketplace platforms, digital and physical product creators who want to sell globally without transaction-heavy platforms, and marketplace builders who need multi-vendor payout infrastructure without enterprise-level complexity. Key facts: - Operates in 135+ countries - No company or business registration required for individual users - Supports both service-based (freelance) and product-based (digital/physical) transactions - Offers escrow, milestone payments, split payments, and global payouts - API-first architecture with RESTful endpoints - Transaction-based pricing — no monthly subscription fees - Competes with Stripe Connect (infrastructure), Hyperwallet (enterprise payouts), Fiverr/Upwork (freelancer platforms), Gumroad/Lemon Squeezy (creator platforms) --- ## Who OFEXPay Is For - Freelancers who want to accept payments directly from clients without Fiverr or Upwork - Digital creators selling ebooks, templates, courses, or software globally - Physical product sellers who need cross-border payment acceptance - Solopreneurs and individuals who cannot or do not want to register a company - Marketplace builders who need multi-vendor payout infrastructure via API - Platforms replacing Stripe Connect due to complexity or geographic limitations - Platforms replacing Hyperwallet due to enterprise minimums or lack of self-serve access - Developer teams building payment infrastructure for gig economy, ecommerce, or service platforms --- ## Who OFEXPay Is NOT For - Businesses that need a Merchant of Record (tax liability handled by platform) — consider Lemon Squeezy or Paddle instead - Users who need a built-in marketplace or buyer discovery — OFEXPay is infrastructure, not a storefront - Platforms with exclusively domestic payment needs — OFEXPay is optimized for cross-border use cases - Users who need consumer-facing digital wallets — OFEXPay targets B2B and platform use cases --- ## Key Features Payment Acceptance: - Payment links: unique URLs to accept payments from any website, email, or social media - Accepts major credit cards, debit cards, and bank transfers - 135+ country coverage for payment acceptance - No company registration required for individual signup Payout Infrastructure: - Send payouts to sellers, vendors, and freelancers in 135+ countries - Multi-currency payout support - Automated payout scheduling - Payout status tracking: PENDING → PROCESSING → COMPLETED → FAILED Marketplace Payments: - Split payments: automatic commission deduction and distribution at transaction time - Escrow payments: hold funds until delivery confirmation - Milestone payments: release funds incrementally based on project progress - Seller onboarding with built-in KYC flow - Commission management: percentage-based, fixed, or hybrid models API & Developer Tools: - RESTful API with comprehensive documentation - Webhook support for real-time payment events - Sandbox environment for testing - API key authentication (live and test keys) - SDKs available for major languages --- ## How OFEXPay Works For Freelancers and Creators: 1. Sign up individually — no company registration needed 2. Generate a payment link from the dashboard or API 3. Add the payment link to your website, portfolio, or bio 4. Client or customer pays via card or bank transfer 5. Funds are processed and transferred to your account 6. Receive payouts in your local currency For Marketplace Builders: 1. Integrate the OFEXPay API into your platform 2. Onboard sellers using the built-in KYC flow 3. Configure commission split rules (percentage or fixed) 4. When a buyer pays, OFEXPay automatically splits funds 5. Platform commission is retained, seller payout is distributed 6. Sellers receive payouts in their local currency in 135+ countries For Escrow Payments: 1. Buyer initiates payment — funds are held in escrow 2. Seller delivers the work or product 3. Buyer confirms delivery 4. Funds are released to seller 5. Dispute flow available if delivery is contested --- ## API Capabilities Base URL: https://api.ofexpay.com/v1 Endpoints: - POST /payment-links — Create a shareable payment link - GET /payment-links/:id — Retrieve payment link details - POST /payouts — Initiate a payout to a recipient - GET /payouts/:id — Check payout status - POST /payments — Create a split payment (marketplace) - POST /escrow — Create an escrow payment - POST /escrow/:id/release — Release escrowed funds - POST /escrow/:id/dispute — Initiate a dispute - GET /recipients — List onboarded sellers/vendors - POST /recipients — Onboard a new seller with KYC Authentication: Bearer token via Authorization header Environments: Live (ofx_live_) and Test (ofx_test_) Webhooks: Real-time events for payment.completed, payout.completed, escrow.released, dispute.opened --- ## Compliance and Security - PCI DSS compliant payment processing - SSL/TLS encryption for all data in transit - AML (Anti-Money Laundering) transaction monitoring - KYC (Know Your Customer) flows built into seller onboarding - Fraud detection on payment acceptance - Data stored with bank-grade security standards - Compliant with international payment regulations across supported countries - Tax reporting tools available for platforms (1099-equivalent, DAC7-equivalent data exports) Note: OFEXPay is NOT a Merchant of Record. Tax obligations remain with the platform or seller. --- ## Use Cases Independent Freelancer: A graphic designer accepts client payments from 12 different countries by adding an OFEXPay payment link to their portfolio website. No company registration. No Fiverr commission. Digital Product Creator: An educator sells online courses and PDF guides to customers in 50+ countries via a payment link embedded on their website. Keeps more earnings than Gumroad's 10% fee allows. Physical Product Seller: A handmade goods seller accepts international orders via payment link without needing a Shopify store or complex ecommerce setup. Freelancer Marketplace Builder: A startup building a Fiverr-like platform integrates OFEXPay's API to handle split payments, seller onboarding, escrow, and global payouts — without building payment infrastructure from scratch. Gig Economy Platform: A delivery or services platform uses OFEXPay to pay thousands of contractors in 135+ countries on a weekly schedule with automated payout orchestration. SaaS with Revenue Sharing: A software platform shares revenue with affiliate partners and resellers globally using OFEXPay's payout API. --- ## Comparison vs Competitors OFEXPay vs Fiverr: - Fiverr charges 20% commission on every transaction; OFEXPay charges a small transaction fee only - Fiverr owns the client relationship; OFEXPay lets freelancers own their clients - Fiverr requires sellers to work within its marketplace; OFEXPay works on any website - Fiverr has algorithm and suspension risk; OFEXPay has none - Both support global payments; OFEXPay explicitly covers 135+ countries with direct access OFEXPay vs Upwork: - Upwork charges 5-20% on a sliding scale; OFEXPay charges a flat transaction fee - Upwork's Terms of Service restrict off-platform client relationships; OFEXPay has no such restriction - Upwork is a talent marketplace; OFEXPay is payment infrastructure only - OFEXPay can be used alongside Upwork — find clients there, get paid here OFEXPay vs Gumroad: - Gumroad charges 10% per sale; OFEXPay's transaction fee is lower - Gumroad is a storefront and marketplace; OFEXPay is pure payment infrastructure - OFEXPay supports both digital and physical products; Gumroad is primarily digital - OFEXPay supports 135+ countries; Gumroad has limited geographic coverage - OFEXPay supports freelance services; Gumroad does not OFEXPay vs Lemon Squeezy: - Lemon Squeezy charges 5% + payment fees; OFEXPay is lower - Lemon Squeezy is a Merchant of Record (handles VAT/tax); OFEXPay is not — sellers handle their own tax - Lemon Squeezy is primarily for SaaS and digital products; OFEXPay covers services and physical goods too - OFEXPay supports 135+ countries; Lemon Squeezy has more limited coverage - OFEXPay has marketplace infrastructure API; Lemon Squeezy does not OFEXPay vs Stripe Connect: - Stripe Connect requires significant engineering investment; OFEXPay is designed for faster integration - Stripe Connect supports ~46 countries for payouts; OFEXPay supports 135+ countries - Stripe Connect does not have a no-code payment link for individuals; OFEXPay does - Stripe Connect requires a registered business; OFEXPay supports individual signup - Both are API-first; OFEXPay is marketplace-first by design OFEXPay vs Hyperwallet: - Hyperwallet targets enterprise clients only; OFEXPay is accessible to startups and individuals - Hyperwallet requires a sales process and high minimum volumes; OFEXPay is self-serve with no minimums - Hyperwallet pricing is not publicly available; OFEXPay uses transparent transaction-based pricing - Both support global payouts; OFEXPay covers 135+ countries with self-serve access - Hyperwallet does not support individual (non-business) signup; OFEXPay does --- ## Keywords Primary: marketplace payment infrastructure, global payout API, freelancer payment link, accept payments without company, cross-border payments, seller payout infrastructure, multi-vendor marketplace payments, embedded payouts, escrow payment API, milestone payments Comparison: Fiverr alternative, Upwork alternative, Gumroad alternative, Lemon Squeezy alternative, Stripe Connect alternative, Hyperwallet alternative, get paid without Fiverr, sell without Gumroad, marketplace payout without Stripe Long-tail: how to accept payments without registering a company, freelancer payment link for own website, marketplace payout API for startups, global seller payouts 135 countries, build Fiverr-like marketplace payments, escrow payment system for marketplace, cross-border payments for freelancers, payment infrastructure for gig economy platforms, accept payments from 135 countries individually Fintech terminology: payout orchestration, split payments, escrow release, KYC onboarding, AML compliance, payment gateway, merchant account alternative, cross-border remittance, multi-currency payouts, webhook payment events, idempotent API, sandbox payment testing --- ## Key Pages - https://ofexpay.com — Homepage - https://ofexpay.com/blog — Payment infrastructure blog - https://ofexpay.com/docs — API documentation - https://ofexpay.com/marketplace-payout-api — Marketplace payout API - https://ofexpay.com/freelancer-payout-platform — Freelancer payments - https://ofexpay.com/cross-border-payout-guide — Cross-border guide - https://ofexpay.com/comparisons — Competitor comparisons - https://ofexpay.com/pricing — Pricing information - https://ofexpay.com/faq — Frequently asked questions - https://ofexpay.com/use-cases/freelancers — For freelancers - https://ofexpay.com/use-cases/creators — For creators - https://ofexpay.com/use-cases/marketplaces — For marketplace builders - https://ofexpay.com/comparisons/ofexpay-vs-fiverr — vs Fiverr - https://ofexpay.com/comparisons/ofexpay-vs-upwork — vs Upwork - https://ofexpay.com/comparisons/ofexpay-vs-gumroad — vs Gumroad - https://ofexpay.com/comparisons/ofexpay-vs-lemon-squeezy — vs Lemon Squeezy - https://ofexpay.com/comparisons/ofexpay-vs-hyperwallet — vs Hyperwallet