CGPAY is a multi-currency paygate (payment gateway) for processing online payments by Fiat currencies and cryptocurrencies. Designed with the invoicing module, the payment mechanism, the integration API and e-Commerce plugins like PayPal - a famous and popular Paygate (payment gateway) for cross-border payment, CGPAY is a new Paygate but it is close and familiar with almost merchants who have an e-commerce website, or a B2B/B2C website, etc... This is a friendly solution to support all merchants who are using PayPal or similar Paygate to be able to easily change into CGPAY as a replaced method for receiving cross-border payments.

Not only that, CGPAY also has many other advanced features which are not supported by PayPal or other similar Paygate:

  • Low fees: we only charge 0.2% per transaction. You can comfortably designate your buyer or yourself as the bearer of this fee or simply share this fee with your buyers. Anyway, this fee is much lower than PayPal and other similar Paygate.
  • Supports multiple currencies: CGPAY is integrated all major Fiat currencies and popular cryptocurrencies which supported by CGWALLET - a new groundbreaking multi-currency wallet. We always continue adding new Fiat currencies and cryptocurrencies. You can request cross-border payment by any currency you want, and everywhere (not depend on which country you stay).
  • Easy request cross-border payments at any time, at anywhere: CGPAY supports multiple interfaces, you can easily access CGPAY invoicing module from the web or our android/iOS app. You can also integrate your website with CGPAY and your CGWALLET using ClickGem APIs or our e-commerce plugins to request and receive cross-border payments automatically.
  • More buyers (everywhere in the world) with the feature which supports currency exchanging for purchases instantly during payment progress: Although you have designated a fixed currency for all physical/digital goods which you are selling, buyers can choose to pay with a different currency stored in their CGWALLET. CGPAY is integrated with CGEXCHANGE - a mix-exchange platform which is the combination of a cryptocurrency exchange with a Fiat currency exchange - for exchange currency for buyers instantly when they pay using a different currency and it always selects the lowest exchange rate from the market for buyers. This solution supports you in order to receive payments with the receiving currency you designated while buyers can choose to pay with a different currency stored in their CGWALLET. This will bring more buyers to you from everywhere in the world.
  • More buyers are cryptocurrency holders: along with Fiat currencies, CGPAY also supports buyers to pay with cryptocurrencies while you still receive their payment in Fiat currencies (after exchanged by CGPAY through CGEXCHANGE). Of course, you still can decide to receive cryptocurrency payments. As you know, having many people around the world holding cryptocurrencies as an asset or a commodity for trading on the cryptocurrency exchange, CGPAY will support them in use those cryptocurrencies for buying your physical/digital goods.


ClickGem Project is part of global payment revolution!

With the mission to build a multi-currency ecosystem, ClickGem Project has been developing a core payment system with a lot of utility applications suitable for cryptocurrencies and fiat currencies. By supporting both cryptocurrency and fiat currency in an ecosystem which includes a currency cross-exchange system and all applications that helping to solve many needs in the real life, the ClickGem Project will:

  • create more utility and more liquidity for cryptocurrencies,
  • help people to use cryptocurrencies like fiat currencies and likewise,
  • create habits and orient people to use more cryptocurrencies in their daily life.

People with no knowledge about cryptocurrencies are still not ready to use them, will start using ClickGem utilities with fiat currencies, and gradually switch to cryptocurrencies. In addition, this is also an optimum solution to blur the border between cryptocurrency and fiat currency, using the popularity and the liquidity of the whole system to build a new global payment system and contribute to the revolution of the current global payment system.

The ClickGem core payment system is a new groundbreaking and frictionless payment system which can support the pay-and-receive payment process through multiple currencies, including cryptocurrencies, support exchanging currency instantly with the lowest exchange rate from the market and just 0.2% transaction fee. Our aim is creating a new cross-border payment solution that can solve all the current payment methods issues, and will surpass all other payment systems (PayPal, Visa, etc…). Furthermore purchases will be easier, simpler, instant with minimal cost.

The ClickGem Project is designed as an open platform to facilitate the process of purchases by integrating and supporting transactions between most major fiat currencies and all cryptocurrencies through APIs. More fiat currencies and cryptocurrencies will be continually added along the way.

The team is continuously developing new platform APIs, f.ex. to integrate ClickGem currency cross-exchange system with other external exchanges in order to optimize liquidity during exchanging currencies for the payment, apart from the already existing API which allows for integration with all today's e-commerce platforms, all B2B/B2C platforms, all applications for accepting payments online, and any software for collecting payments at local stores, supermarkets, etc...

ClickGem can collaborate with all kinds of businesses and all service providers to build ClickGem’s ecosystem and its network to any place, access all markets in the world. This way ClickGem will grow fast and its scalability is unlimited.


View Detail Solution View Pitch Deck Experience The Invoicing Module Experience The Paygate API & E-Commerce Plugins


The other convenience and usefulness of this payment solution:

  • Entrepreneur: offers you access to the most convenient payment method. It’s particularly convenient for payments regarding business expenses, including wages, paying suppliers, purchasing goods and services...all over the world, in a few minutes, at a very low fee, and free you from all complicated banking procedures and red tape. 99.99% of entrepreneurs can use ClickGem and all related apps, to reach even more customers across the world. A great challenge that any business has to face is to expand own business globally. ClickGem, to some extent, can help leverage your business growth by providing you and your customers with the most time and cost saving money transaction method. In some developing countries where the banking and financial system cannot meet their clients’ demand and even trigger numerous problems for their customers, ClickGem is an ideal solution. Being a smart business owner, do not let any trivial thing be a barrier to your success.
  • Online businesses and retails stores: you can boost your sales and speed up your business growth thanks to ClickGem and our related apps on smartphones. You and your customers couldn’t ask for more. From this moment, the most advanced yet simple method is in the palm of your hand. By integrating ClickGem and the apps, on your online business and retail stores, you can absolutely improve your chances of doing international business, multinational business right now.
  • Powerful APIs for payouts automation: if you’re looking to automate your payouts, the ClickGem APIs is just what you need. Our system will provide you with APIs that you can integrate into your website or software to connect with your customers, your suppliers, and even your employees. This would make it convenient for you to create invoices or make any payment with those people, automatically.
  • Checkout for merchants: ClickGem enables you to start receiving payments on your website.
  • No more cash: there is no more limit to carrying foreign exchange anywhere with ClickGem. No more worrying about exchange rate fees that you may be charged, or other expenses related to money exchange. Therefore, save your time, money, and feel more secure.
  • Other daily money transaction: with ClickGem, in a few minutes you can access your money transferred from anyone, anywhere in the world. Faster, simpler, safer yet cheaper.


In order to promote ClickGem core payment system, the ClickGem Project will create an ecosystem of utility applications which uses the ClickGem core payment system as the main method to pay-and-receive payment.

  • Business Apps: CGMARKET (Multi-currency B2B/B2C Marketplace)
  • Banking Apps: CGLOAN (Multi-currency Loan Program), CGSAVING (Multi-currency Saving Program)
  • Entertainment Apps: CGCASINO (Multi-currency Casino), CGLOTTO (Multi-currency Lottery), CGBET (Multi-currency Sports Betting)
  • Utility/Service Apps: CGTRANS (Multi-currency Transport/Taxi Booking), CGHOTEL (Multi-currency Hotel Booking), etc…
  • CG Debit Card: CG Debit Card is the simplest and most convenient way to make your payments with all your money available in CGWALLET. We, with our partners, will provide you with a Debit Card that you can use anywhere, at any time, all over the world. You can also use it to withdraw or transfer money from CGWALLET via ATM machine.

To understand more fully about how ClickGem core payment system works, please view our latest pitch deck in below: