Chimoney alternative for payouts funded in USDT, not card or Interac
Chimoney balances are topped up by card, wire, mobile money or Interac. Unigox suits platforms holding USDT or USDC that pay their own verified users to bank or mobile money. Stay with Chimoney for email payouts, airtime and gift cards.
When to stay with Chimoney
You pay people by email or phone number
A Chimoney payout can go to an email address or phone number. The recipient picks bank, mobile money, airtime, data or a gift card, and does not always need a Chimoney account. A Unigox payout needs a sender verified by Unigox and the receiving bank or mobile money account before the quote. Payments to suppliers and other third parties run on supported routes that Unigox confirms before integration.
Your rewards are airtime or gift cards
Chimoney's API sends airtime to a phone number and gift cards to an email address, next to its bank and mobile money payouts. The Payments API pays only into a bank or mobile money account.
You fund payouts by card, bank transfer or Interac
Chimoney balances are topped up by credit card, bank wire or ACH, mobile money and, on its API plans, Interac; it also pays out by Interac and pays Canadian bills. A Unigox partner wallet holds USDT or USDC only.
Chimoney vs Unigox for one contractor payout
| Topic | Chimoney | Unigox |
|---|---|---|
| Built for | Businesses paying freelancers, contractors and creators, and sending rewards, from a dashboard or an API with multi-currency wallets. | Platforms that keep their balance in USDT or USDC and send local money to, or collect it from, their own verified users. |
| What pays for it | Your Chimoney balance, topped up by card, bank wire or ACH, mobile money or Interac. Amounts are set in USD or in a named currency. | USDT or USDC in your partner wallet. Your server signs the transfer of each order into on-chain escrow; if the payout does not complete, your server signs the refund to that wallet and no fee is charged. |
| What you send for a mobile money payout | The country, the recipient's phone number, the amount in USD and the mobile money operator's code; or only an email or phone number, and the recipient redeems the payment later. | A quote and an order for a sender verified by Unigox. It pays the sender's own mobile money or bank account or, on supported routes, a registered recipient's checked account. A payment business or a P2P merchant makes the payment; a quote can limit it to payment businesses. |
| Pricing | API plans on its pricing page carry a transaction fee of 1.9% (White Glove), 2.9% (Premium) or 3.9% (Business), and API access starts once you pay a plan's subscription fee. A fee-estimate call splits Chimoney's platform fee from the payment method's fee. | Every quote returns the rate, the Unigox fee for that currency and payout method, your own added percentage and the total, before any order is placed. |
| Getting API access | Open a dashboard account and email support for verification and API access. A sandbox comes with $1,000 of test money; calls carry an X-API-KEY header, with SDKs for JavaScript, Python, Java and Go. | A call about markets and setup, then KYB. Keys follow approval, and api-staging.unigox.com mirrors production, with a Postman collection and signing examples in Python, JavaScript and C#. |
| Regulation | Chi Technologies Inc. says it is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider. It paused new transactions for a time and, under its new owner CapitalSage, is taking clients again. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove Chimoney contractor payouts to Unigox
Book a call about where you pay
Tell the Unigox team which countries and payment methods your contractors are paid in, then send your company documents for KYB. API keys are issued once the company is approved.
Turn each payee into a verified customer
Where a Chimoney payout went to an email address, a Unigox order needs a customer who has passed the identity check, a quote and that customer's bank or mobile money account. Build the flow on api-staging.unigox.com.
Hold USDT or USDC instead of a card-funded balance
Top up your partner wallet in USDT or USDC and let your server sign each order's transfer. Airtime, gift cards and Interac payouts can stay on Chimoney.
Questions about Chimoney alternatives
Which Chimoney alternative fits a stablecoin balance?
The Unigox Payments API, when your company keeps its balance in USDT or USDC and pays its own verified users to a bank or mobile money account. Chimoney is built around a balance funded by card, bank transfer, mobile money or Interac, with payouts that can also go out by email, airtime or gift card.
See the Payments APIIs Chimoney still operating?
Yes. Chimoney told customers that it had stopped new transactions and integrations for lack of capital. CapitalSage Vantage Limited then bought Chi Technologies Inc., and TechCabal reports that Chimoney is accepting clients and processing transactions again.
Who are Chimoney's competitors for contractor payouts?
Other payout APIs that pay bank and mobile money accounts in many countries, such as Cellulant, Rapyd and Request Finance, each compared on its own page. The Unigox Payments API fits a company that holds USDT or USDC and pays users who verify with Unigox.
Read the Cellulant comparisonCan a company keep Chimoney and add Unigox?
Yes. Chimoney keeps its own balance and API keys, while Unigox needs its own KYB and a partner wallet you fund in USDT or USDC. Email payouts, airtime, gift cards and Interac can stay on Chimoney, and the payouts you settle from stablecoins move to Unigox.
Tell us who you pay and where
Send the countries, payout methods and monthly volume of the contractor payouts you run through Chimoney today, and whether you hold USDT or USDC. We reply with what the Payments API covers for them.
Chimoney and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.