Card Payments, Crypto Payments and a Virtual Card — All Through Niftipay
Choose the Niftipay product that matches how your business or customers need to pay: accept card payments, accept crypto or fund a virtual card with USDT for everyday purchases and subscriptions.
Three products for different payment journeys
Niftipay offers three separate payment products. Two of them help a business take money in. The third lets a person or a team spend a crypto-funded balance. They are not three versions of the same service, and none of them depends on another.
Card Payments and Crypto Payments are merchant products. Both connect to an existing website, ecommerce store, platform or marketplace so that customers can pay. The Niftipay Card works the other way round: you fund a virtual card with USDT and spend the balance. A business can use one product, two, or all three together.
If you are weighing up card and crypto payment solutions side by side, our guide to running cards and crypto through one payment layer explains when a single provider makes more sense than two.
- Accept card paymentsTake online card payments through hosted checkout, payment links, the WooCommerce or PrestaShop plugin, or the REST API.
- Accept crypto paymentsAdd crypto and stablecoin payments to the sales flow you already run, alongside cards rather than instead of them.
- Fund and use a virtual cardTop up a virtual card with USDT, hold the available balance in USD and spend it online, on subscriptions or in store.
Three products, three different jobs
Each product solves a different problem. Find the one that matches your situation, then read the detailed section below it. Availability, card scheme and account conditions depend on jurisdiction, identity verification, compliance review and programme requirements.
Accept card payments through the setup your business needs
Card Payments is for online businesses that need to take card payments from their own website, ecommerce store, platform or marketplace. It suits merchants whose business model, markets or risk profile mean that a standard checkout is not a straightforward fit.
There is no single integration route. A shop running WooCommerce or PrestaShop connects through the dedicated plugin. Magento, custom ecommerce websites, platforms and marketplaces connect through the Niftipay API. If you would rather not change the storefront at all, hosted checkout and payment links let customers pay through a Niftipay-hosted page or a shared link instead.
Once payments are live, API keys and webhooks connect payment events to your own order workflow, and the merchant dashboard shows transaction status and settlement information. Our guides to WooCommerce payment gateways and to payment gateways for WordPress, Magento and PrestaShop cover the checks worth making before you integrate.
Acceptance is not automatic
Card payment acceptance follows merchant qualification, KYB and compliance review. Commercial terms depend on the business model, the markets served and the processing profile, and are confirmed during onboarding rather than published in advance.
- Hosted checkoutCustomers complete the payment on a Niftipay-hosted page. The payment interface is not embedded inside your own checkout.
- Payment linksCreate and share a link for a single payment, which suits direct sales and invoicing as well as a storefront.
- WooCommerce and PrestaShopDedicated plugins connect each platform without custom development work.
- REST API, keys and webhooksMagento, custom stores, platforms and marketplaces integrate directly, with API keys and webhooks for payment events.
- Merchant dashboardReview transaction status and the settlement information available for your approved account.
Add crypto payments to your existing sales flow
Crypto Payments is an additional way to get paid, not a replacement for cards. Most merchants who add it keep card acceptance exactly as it is and simply give customers a second option at checkout.
It fits ecommerce stores, platforms, marketplaces and digital businesses whose customers already hold crypto or stablecoins. Customers can pay through a hosted crypto checkout, a payment link or a QR code, and the supported assets are BTC, ETH, SOL, LTC, XRP, USDT and USDC. Payment status is available through the API, webhooks and the merchant dashboard, so crypto orders sit in the same workflow as card orders.
Niftipay can also support connected payment flows for brands selling through Trapyfy-powered Telegram commerce experiences. That is one use case among several — our guide to payment infrastructure for Telegram commerce covers how chat-first sales flows handle payment.
What depends on your account
The crypto assets and payment flows enabled for a given merchant depend on the approved setup, the markets served and compliance review. Availability is confirmed during onboarding.
- Crypto checkoutA hosted payment page where the customer completes a supported crypto or stablecoin payment.
- Crypto payment linksShare a link for a crypto payment through your website, messages or a direct sales workflow.
- QR-based paymentsCustomers scan a QR code to pay with BTC, ETH, SOL, LTC, XRP, USDT or USDC.
- REST API and webhooksConnect crypto payment events to existing order, fulfilment or platform workflows.
- Payment status visibilityTrack pending, approved and failed payments through the API, webhooks or the merchant dashboard.
Fund with USDT. Spend with Niftipay Card.
Niftipay Card is a virtual card funded with USDT. You top it up with USDT on ERC-20 or TRC-20, the available balance is held in USD, and you spend it as you would any other card: online, on subscriptions, or in a shop once the card has been added to Apple Pay or Google Pay.
It is available to individuals and to businesses, so a team can use it for software subscriptions and online purchases in the same way that a person uses it for everyday spending. There are no ATM cash withdrawals — the card is for purchases only.
Four steps take you from verification to spending.
Spending limits
No fixed Niftipay spending cap has been specified, although transactions remain subject to the available balance, account controls, merchant acceptance and applicable programme conditions.
- 1. Complete the required identity verificationA minimum of KYC is required before the card can be issued and funded.
- 2. Fund the virtual card using USDTTop up with USDT on either the ERC-20 or the TRC-20 network. A 5% fee applies to each top-up, up to a maximum of $2,500 per top-up.
- 3. Receive the available card balance in USDThe available balance is denominated in USD once the top-up has been credited.
- 4. Use the card online, for subscriptions or in storesPay for online purchases and recurring subscriptions, or pay in physical shops by adding the card to Apple Pay or Google Pay.
What Niftipay Card includes
The confirmed features of the Niftipay Card: how it is funded, where it can be used, and the fees and limits that apply to each top-up.
Compare the three products
The quickest way to identify the right product is to compare what each one is for, who uses it and what verification it requires.
| Card Payments | Crypto Payments | Niftipay Card | |
|---|---|---|---|
| Primary purpose | Accept card payments | Accept crypto payments | Spend a crypto-funded balance |
| Main audience | Online businesses and platforms | Ecommerce, platforms and digital businesses | Individuals and businesses |
| Delivery | Hosted checkout, payment links, plugins or API | Checkout, payment links, QR or API | Virtual card |
| Main action | Receive payments | Receive payments | Make purchases and subscriptions |
| Verification | Merchant qualification and KYB | Merchant qualification and compliance review | Minimum KYC |
Card Payments and Crypto Payments can run together for the same merchant. The Niftipay Card is a separate product and does not require either of them.
Connect Niftipay to the way you already sell
Card Payments and Crypto Payments connect to the systems you already run. WooCommerce and PrestaShop have dedicated plugins, and everything else connects through the REST API.
Technical teams can read the developer documentation and review the integration options before committing to a build. If you are still choosing a route, our guides cover WooCommerce payment gateways, what to check in a payment gateway API and how to add payments to an existing website without rebuilding it.
For chat-first sales, Trapyfy runs the storefront and Niftipay handles the payment. You can also explore the available ecommerce integrations by sales channel, or read how payment gateway webhooks fit into an existing order workflow.
- REST APIIntegrate Magento, custom stores, platforms and marketplaces directly.
- WooCommerceConnect a WooCommerce store through the dedicated plugin.
- PrestaShopConnect a PrestaShop store through the dedicated plugin.
- Hosted checkout and payment linksTake payments without building a payment interface inside your own channel.
- API keys and webhooksAuthenticate requests and receive payment status events in your own systems.
- Merchant dashboardReview transaction status and settlement information in one place.
- TrapyfyTelegram and bot-based commerce runs through Trapyfy, with Niftipay handling supported payments.
Access depends on the product, business and jurisdiction
Not every product is available to every applicant, and the checks differ from one product to the next.
Card Payments and Crypto Payments are merchant products. Both require merchant qualification, KYB and compliance review before credentials are issued. Our guide to KYB requirements for payment gateways and the payment gateway onboarding checklist set out what is usually requested. The Niftipay Card requires a minimum of KYC.
The controls applied to approved accounts are described on our security page.
Availability
Niftipay products are available in supported jurisdictions, excluding restricted countries and subject to identity verification, business checks, compliance review and applicable programme requirements.
- Card Payments and Crypto PaymentsMerchant qualification, KYB and compliance review are completed before payments are activated.
- Niftipay CardA minimum of KYC is required before the card can be issued and funded.
- Card schemeThe card scheme depends on the available programme and the client's requirements, and is confirmed during onboarding.
- Supported jurisdictionsRestricted countries are excluded, and final availability is confirmed during onboarding.
- Conditions can varyLimits, conditions and availability may differ by product, business and jurisdiction.
Find the Niftipay product that fits your payment flow
Tell us about your business model, the markets you sell into, how you need to integrate and which product you are after. A qualification review confirms what is available for your setup.