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Pay in Polygon using Bando

The simple way to use crypto for real-life payments

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Polygon is a leading Ethereum Layer 2 scaling solution, known for its ultra-low fees, fast transactions, and EVM compatibility.

It supports stablecoins like USDC and USDT and is trusted by top dApps, DeFi platforms, and enterprises making it one of the most adopted chains in Web3. With Bando’s onchain checkout, users can spend crypto on Polygon directly from their wallet, no bridges, no off-ramps, no conversions. From prepaid codes and mobile top-ups to streaming services and utility bills, Bando facilitates real-world crypto payments on Polygon.

Common challenges of Polygon digital payments

Limited merchant acceptance

Polygon offers fast, low-cost crypto transactions, but direct merchant support remains limited. As a result, it’s still difficult for users to spend POL or stablecoins on everyday needs like groceries, transportation, or streaming subscriptions.

High costs via traditional Off-Ramps

Polygon’s blockchain offers near-zero transaction fees, but when users must convert crypto to fiat via centralized exchanges, they face high off-ramp fees, poor conversion rates, and added steps. This reduces the value of each transaction and discourages regular use.

Complex and frictional payment flows

Even with Polygon’s low fees and speed, the lack of native checkout options makes spending crypto harder than it should be. Users often face bridging, swaps, and multiple apps, turning a simple payment into a tedious process.

Reduced adoption

Even user-friendly blockchains like Polygon hit adoption barriers when users can't pay for everyday products and services. If people can’t easily spend crypto on rides, bills, or mobile data, they’ll stop using or holding it, slowing down ecosystem growth.

Increased costs

Polygon on-chain fees are near-zero, but the real friction is spend. Token swaps, bridges, and fiat off-ramps all add layers of fees and complexity. The result? Users lose value, and merchants lose interest in accepting crypto.

Frustrating user experience

Let’s be real: no one wants a 10-step process to buy mobile data. Complex payment flows kill utility and discourage everyday use. Without simple, real-world Polygon payments, the experience feels broken.

Impact of Challenges

Reduced adoption

Even user-friendly blockchains like Polygon hit adoption barriers when users can't pay for everyday products and services. If people can’t easily spend crypto on rides, bills, or mobile data, they’ll stop using or holding it, slowing down ecosystem growth.

Increased costs

Polygon on-chain fees are near-zero, but the real friction is spend. Token swaps, bridges, and fiat off-ramps all add layers of fees and complexity. The result? Users lose value, and merchants lose interest in accepting crypto.

Frustrating user experience

Let’s be real: no one wants a 10-step process to buy mobile data. Complex payment flows kill utility and discourage everyday use. Without simple, real-world Polygon payments, the experience feels broken.

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Key benefits of paying with Polygon via Bando

Lower transaction costs

Polygon gas fees are often under a cent. With Bando’s direct on-chain integration, users skip middlemen and off-ramps, maximizing value per transaction, even for micro-purchases.

Fast, secure transactions

Polygon finalizes payments in seconds. Combined with Bando’s onchain spending protocol, users enjoy instant, trustless, and borderless payments. No banks, no delays.

Global accessibility

Polygon, a leading Ethereum Layer 2, enables borderless crypto payments without banks, intermediaries, or complex infrastructure. Built for scalability and mass adoption, it delivers ultra-low fees and high-speed transactions accessible from virtually any smartphone. With Bando’s crypto payment protocol, users can spend stablecoins on Polygon to buy prepaid codes, mobile top-ups, or pay for everyday services with no fiat, no delays, no off-ramps.

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Core features of Bando + Polygon payments

Decentralized, transparent transactions

All payments are processed on the Polygon blockchain, eliminating the need for third-party processors or custodians. Full transparency, full control.

Cross-Border compatibility

Polygon and Bando enable fast, low-cost crypto payments across borders, using stablecoins like USDC and USDT directly from your wallet. No banks, no conversions, no intermediaries. Users can pay for goods, services, and subscriptions globally with just a few taps. Perfect for cross-border spending, even in underserved regions.

Wallet Integration

Bando integrates with popular Polygon wallets. No bridges, no token swaps just connect and pay directly from your balance.

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How Bando can be used

Pay with crypto in a few clicks

Buy from apps like Uber, Amazon, or pay bills directly from your wallet without conversions.

Use crypto for everyday purchases

Cover daily expenses like food, or subscriptions with a simple onchain checkout.

Monetize your wallet or dApp

Integrate Bando and unlock new revenue with high-margin crypto spending features.

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How It Works

A simple 1-2-3 to go superapp.

Step 1

Select Your Payment

Choose the service or product you want to pay for with crypto.
Step 2

Choose Your Crypto

Select from Base, Polygon, Arbitrum, Solana, and thousands of tokens.
Step 3

Confirm & Pay

Complete the transaction instantly and get your purchase delivered.

FAQs

What is Bando and how does it allow me to pay with crypto?


Bando is an in-app solution that allows users to spend crypto directly from wallets and dApps no fiat conversion needed, with access to over 6,000 products such as bill payments, pre-paid codes, mobile top-ups and on/off ramps across more than 100 countries.
 
No swaps, no bridges, no hassle. Spend crypto easily, quickly, and directly from your wallet.


What should I do if I have issues with my payment, prepaid code, or wallet?


If your payment didn’t go through, your funds should still be in your wallet, please try again.

If funds were withdrawn but you didn’t receive your prepaid code, go to the top menu and check your transaction history to claim a refund. For pending transactions over 5 minutes, you can also verify and request a refund there.

We currently support the Celo network and tokens like USDT, USDC, and cUSD. For any bugs, discrepancies, or further issues, contact our support team at support@bando.cool or via the live chat in the Bando app.


Are there any geographical restrictions?


 Yes, there are different prepaid codes for every country where we are available. Please confirm that you are viewing the correct country before buying any prepaid code.

 If you have any further questions please contact our support team at support@bando.cool or in the live chat available in the bando app


How secure is it to spend crypto using Bando?


Spending crypto with Bando is highly secure. Our smart contracts were audited by Zokyo, a leading blockchain security firm, and received a 97/100 score. This audit ensures that transactions processed through Bando’s onchain spending protocol are safe, reliable, and built to industry-grade standards.


How do I receive and redeem my purchase, like a prepaid code or phone top-up?


After completing your payment, you’ll receive an email with your invoice and step-by-step instructions to redeem your product. Phone top-ups are sent automatically as soon as the transaction is confirmed, often instantly. If you need help, contact us at support@bando.cool or via live chat in the Bando app.


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