> ## Documentation Index
> Fetch the complete documentation index at: https://docs.epay123.net/llms.txt
> Use this file to discover all available pages before exploring further.

# Non-platform Merchants

**Target users**

* B2B collections, ad settlements, international payroll
* Subscriptions, cross-border payments, personal overseas consumption

**Current collection issues**

* Manual collection: poor UX, weak security
* High fees for USD settlement, cumbersome FX conversion

**ePay advantages**

* SaaS global marketplace for merchants without platforms
* Stablecoin cashier for end-user purchases
* Manual invoice QR code generation
* Multi-chain, multi-currency support
* T+1 unlimited fiat withdrawal (USD/EUR/JPY etc.)