Best of · Polygon · Updated
The best Payments dApps on Polygon in 2026
We track 14 Payments dApps that run on Polygon and have reviewed 13 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 is a permissionless protocol for onchain token vesting and airdrops, used by DAOs and businesses on many EVM chains. It is a focused, audited tool, though fees and some chain details need checking before use.
ScoreScore 8.0 out of 10TVL $1.76M−8.2% - 2
Streamflow
Payments · Solana, Aptos, BNB Chain +3
Streamflow is a Solana-focused platform for token vesting, airdrops, staking and locks, with about $10.9M TVL on DefiLlama. It suits teams that want on-chain distribution, but fee details are not in the material reviewed.
ScoreScore 7.4 out of 10TVL $10.3M−7.7% - 3
LlamaPay
Payments · BNB Chain, Arbitrum, Ethereum +19
LlamaPay is a multi-chain protocol that streams crypto payments by the second, so recipients can withdraw what they have earned at any time. It suits DAOs and crypto-native teams that pay in stablecoins and want to skip manual monthly transfers.
ScoreScore 7.4 out of 10TVL $2.07M+5.2% - 4
Telcoin
Payments · Polygon
Telcoin combines a mobile wallet, e-wallet remittances, multi-currency stablecoins and a Nebraska-chartered digital asset bank, with the TEL token at the center of its ecosystem. Its regulated banking angle is the main draw, but regional availability and fee detail vary.
ScoreScore 7.4 out of 10TVL $0 - 5
Superfluid
Payments · Optimism, Base, Polygon +7
Superfluid is a money streaming protocol that moves tokens between addresses continuously, by the second, across ten EVM networks. It suits builders and crypto-native teams, while casual users should expect a learning curve.
ScoreScore 7.3 out of 10TVL $5.38M−2.6% - 6
Sablier Flow
Payments · Ethereum, Arbitrum, Base +23
Sablier Flow lets a sender pay a recipient at a constant per-second rate and top up the balance over time. It suits recurring pay such as salaries and contributor budgets, but usage is still modest.
ScoreScore 7.2 out of 10TVL $485K−11.9% - 7
PagCrypto
Payments · Solana, Ethereum, Stellar +5
PagCrypto, branded PagFinance, lets users pay Brazilian PIX transfers and boletos from a self-custody wallet using stablecoins and other crypto. Fees run 1% to 2% with a minimum, and KYC is required.
ScoreScore 7.0 out of 10TVL — - 8
Node Runners
Payments · Arbitrum, Base, Ethereum +3
NodeRails offers merchants crypto checkout, payment links, subscriptions, invoicing, payouts, and bank settlement. Its broad payment toolkit is appealing, but pricing and the details behind its dispute and escrow protections need clarification.
ScoreScore 6.5 out of 10TVL — - 9
Papayaswap
Payments · Ethereum, BNB Chain, Polygon +4
Papaya is a protocol for recurring stablecoin payments, with continuous streaming or fixed-period subscriptions. Its no-per-cycle transaction model may suit payment providers and crypto products, but contract and integration details matter.
ScoreScore 6.5 out of 10TVL — - 10
Sablier Legacy
Payments · Ethereum, Polygon, BNB Chain +4
Sablier Legacy is the original 2019 version of Sablier's token streaming protocol, kept online so recipients can still reach older streams. It suits existing users rather than newcomers looking to start new vesting or payroll.
ScoreScore 6.0 out of 10TVL $495K−0.5% - 11
UniVoucher
Payments · Base, Polygon, Ethereum +4
UniVoucher is a gift card protocol where a card is funded with ETH or an ERC20 token on an EVM chain and redeemed by anyone holding its secret code. Its on-chain footprint is very small, and the protocol's own fees and team are not published.
ScoreScore 5.5 out of 10TVL $197+0.1% - 12
Helio Web3 Payments
Payments · Solana, Ethereum, Polygon
Helio is a merchant-focused crypto payments platform for checkout and subscriptions, now part of MoonPay. Its payment tools are relevant to online businesses, but fees, custody and security details are not stated.
ScoreScore 5.5 out of 10TVL — - 13
FATExFi
Payments · Polygon
FATExFi is described as a Polygon payment protocol for FxD, but how it works and whether it is currently accessible are unclear.
ScoreNot rated yetTVL $48+1.6% - 14
Rozo
Payments · Base, Bitcoin, BNB Chain +4
Rozo offers crypto payment and funding tools for merchants, wallets, and agents, including checkout and Lightning payment routes. Its product range is clear, but fees, custody, and security details are not.
ScoreNot rated yetTVL —
Payments dApps on Polygon: the numbers
- Tracked
- 14
- Reviewed
- 14
- Total TVL
- $20.5M
- Avg. score
- 6.8/10
The DappsAtlas 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 $20.5M, 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 ($5.38M) and LlamaPay ($2.07M). The best-rated is Sablier Lockup with 8.0/10, followed by Streamflow (7.4) and LlamaPay (7.4). The 12 rated payments dApps average 6.8/10; 1 reach 8 or above.
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 5.2%. LlamaPay gained the most (+5.2%), while Sablier Lockup dropped the most (−8.2%).
Largest by TVL
- 1
Streamflow$10.3M
- 2
Superfluid$5.38M
- 3
LlamaPay$2.07M
- 4
Sablier Lockup$1.76M
- 5
Highest rated
- 1
- 2
- 3
- 4
Telcoin7.4
- 5
Method
How we ranked them
Reviewed dApps come first. Each DappsAtlas 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 ($5.38M) and LlamaPay ($2.07M). TVL figures come from DefiLlama and change daily.
Which payments dApp on Polygon has the highest DappsAtlas score?
Sablier Lockup has the highest score at 8.0/10, ahead of Streamflow (7.4) and LlamaPay (7.4). 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 DappsAtlas reviewed?
DappsAtlas tracks 14 payments dApps on Polygon. Of these, 14 have a full review and 8 report value locked, $20.5M 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 had the biggest 7-day TVL gain (+5.2%) and Sablier Lockup the biggest drop (−8.2%). Combined TVL moved −5.2% over the same seven days.
What is the average score for payments dApps on Polygon?
The 12 rated payments dApps on Polygon average 6.8 out of 10. Of these, 1 score 8 or higher and 0 score below 5.