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, three different jobs
Niftipay offers three independent payment products. Card Payments and Crypto Payments help businesses receive money, while Niftipay Card lets individuals and teams fund a virtual card with USDT and spend the available balance in USD. Use one product or combine them according to your payment flow.
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 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.
Qualification and onboarding
Card Payments requires merchant qualification, KYB and compliance review. Commercial terms are confirmed during onboarding according to your business model, the markets you serve and your processing profile.
- 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.
Availability and approved payment flows
Supported assets and payment flows depend on the approved setup, the markets served and compliance review. Final 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 and account controls
Spending is limited by the available card balance and may also be subject to 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.
| Feature | 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.
Product availability and verification
Availability varies by product and jurisdiction. Card Payments and Crypto Payments require merchant qualification, KYB and compliance review, while Niftipay Card requires a minimum of KYC. Card scheme, limits, account conditions and final availability are confirmed during onboarding.
Our guide to KYB requirements for payment gateways and the payment gateway onboarding checklist set out what is usually requested, and 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 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.