Best of · Polygon · Updated
The best Payments dApps on Polygon in 2026
We track 14 Payments dApps that run on Polygon and have reviewed 11 of them in full. Our top pick is Sablier Lockup. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Sablier Lockup
Payments · Ethereum, Polygon, Arbitrum +25
Sablier Lockup lets organizations distribute tokens on-chain over custom vesting schedules. Check the fees and contract risks before you fund a stream.
ScoreScore 7.0 out of 10TVL $1.75M−4.0% - 2
Telcoin
Payments · Polygon
Telcoin combines a mobile crypto wallet and international remittances with US on-chain bank accounts. Its remittance pricing has a stated target, but wallet custody, detailed fees and some account protections need checking before you move money.
ScoreScore 6.5 out of 10TVL $0 - 3
Superfluid
Payments · Optimism, Base, Polygon +7
Superfluid lets you send and receive continuous onchain payments, such as salaries, subscriptions and rewards. It is a protocol and app, not a bank account; check the network, token and stream rate before you commit funds.
ScoreScore 6.3 out of 10TVL $5.28M−4.5% - 4
Streamflow
Payments · Solana, Aptos, BNB Chain +3
Streamflow automates token vesting, airdrops, staking and payouts, with its services focused on Solana. Check its unpublished fee details and the scope of its audits before committing funds.
ScoreScore 6.2 out of 10TVL $10.3M−6.0% - 5
LlamaPay
Payments · BNB Chain, Arbitrum, Ethereum +19
LlamaPay lets you set up recurring crypto payments that accrue continuously, so recipients can withdraw as they earn. Check the contract, token support and costs on your chosen chain before funding a stream.
ScoreScore 6.2 out of 10TVL $2.05M−12.4% - 6
PagCrypto
Payments · Solana, Ethereum, Stellar +5
PagCrypto, now presented as PagFinance, lets you pay Brazilian PIX transfers and boletos from a crypto wallet. Its published fees are clear, but check which assets are live and what protections apply before paying.
ScoreScore 6.1 out of 10TVL — - 7
Sablier Flow
Payments · Ethereum, Arbitrum, Base +23
Sablier Flow lets you make ongoing on-chain token payments that recipients can withdraw as they accrue. Its per-withdrawal interface fee is clear, but check the contract details and the reported support wind-down before funding a stream.
ScoreScore 6.0 out of 10TVL $485K−14.5% - 8
UniVoucher
Payments · Base, Polygon, Ethereum +4
UniVoucher lets you create and redeem crypto gift cards using a wallet and a secret code. Check the redemption costs and security details before putting funds into a card.
ScoreScore 5.8 out of 10TVL $197−0.0% - 9
Node Runners
Payments · Arbitrum, Base, Ethereum +3
Node Runners appears on its official site as NodeRails, a crypto payment platform for merchants. It offers checkout and payouts, but its full fees, licensing and custody details need checking before you route funds through it.
ScoreScore 5.3 out of 10TVL — - 10
Sablier Legacy
Payments · Ethereum, Polygon, BNB Chain +4
Sablier Legacy lets you receive token distributions through the original Sablier protocol, but it has been superseded by Sablier Lockup. Check that your stream is on a supported chain and confirm its terms before interacting.
ScoreScore 5.0 out of 10TVL $495K−1.1% - 11
Papayaswap
Payments · Ethereum, BNB Chain, Polygon +4
Papaya combines US–Vietnam business payments, wallet DCA and recurring stablecoin-payment tools. Costs, custody and independent security checks are not clearly published, so verify the terms for the specific product before sending funds.
ScoreScore 4.8 out of 10TVL — - 12
FATExFi
Payments · Polygon
FATExFi is a payments project on Polygon. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL $47−0.6% - 13
Rozo
Payments · Base, Bitcoin, BNB Chain +4
Rozo appears to offer cross-chain payment tools for merchants, but key details about fees, security and how to get started are not published. There isn’t enough information to recommend using it for payments yet.
ScoreNot rated yetTVL — - 14
Helio Web3 Payments
Payments · Solana, Ethereum, Polygon
Helio is a crypto checkout service for merchants and creators, supporting Solana, Ethereum and Polygon. Its fees, custody model and security details are not publicly disclosed, so merchants have limited information for evaluating it before use.
ScoreNot rated yetTVL —
Payments dApps on Polygon: the numbers
- Tracked
- 14
- Reviewed
- 14
- Total TVL
- $20.3M
- Avg. score
- 5.9/10
The SkyBitcoins index lists 14 payments dApps on Polygon. Every one of them has a full review. Across the 8 with TVL data, the combined value locked is $20.3M, counting value on every chain they support. Streamflow dominates, with 50% of that total. The top five account for 98%, while the median payments dApp holds $495K.
By value locked, the largest payments dApps on Polygon are Streamflow ($10.3M), Superfluid ($5.28M) and LlamaPay ($2.05M). The best-rated is Sablier Lockup with 7.0/10, followed by Telcoin (6.5) and Superfluid (6.3). The 11 rated payments dApps average 5.9/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Ethereum (12), Arbitrum (9) and BNB Chain (9). All 12 with a confirmed status are active. In the past week, total value locked fell 6.2%. LlamaPay dropped the most (−12.4%).
Largest by TVL
- 1
Streamflow$10.3M
- 2
Superfluid$5.28M
- 3
LlamaPay$2.05M
- 4
Sablier Lockup$1.75M
- 5
Highest rated
- 1
- 2
Telcoin6.5
- 3
- 4
- 5
Method
How we ranked them
Reviewed dApps come first. Each SkyBitcoins review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.
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Frequently asked questions
What is the largest payments dApp on Polygon by TVL?
Streamflow is the largest payments dApp on Polygon by total value locked, with $10.3M across all the chains it supports. It is followed by Superfluid ($5.28M) and LlamaPay ($2.05M). TVL figures come from DefiLlama and change daily.
Which payments dApp on Polygon has the highest SkyBitcoins score?
Sablier Lockup has the highest score at 7.0/10, ahead of Telcoin (6.5) and Superfluid (6.3). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many payments dApps on Polygon has SkyBitcoins reviewed?
SkyBitcoins tracks 14 payments dApps on Polygon. Of these, 14 have a full review and 8 report value locked, $20.3M in total, counting value on every chain they support.
Which payments dApps on Polygon grew the most this week?
Among payments dApps with at least $1M locked, LlamaPay the biggest drop (−12.4%). Combined TVL moved −6.2% over the same seven days.
What is the average score for payments dApps on Polygon?
The 11 rated payments dApps on Polygon average 5.9 out of 10. Of these, 0 score 8 or higher and 1 score below 5.