Crypto Payment Gateway for Online Businesses

Customers can pay using established cryptocurrencies and dollar-backed stablecoins. One asset is selected for each order during checkout.

Prices can be displayed in supported fiat currencies, while Niftipay calculates the equivalent amount in the asset selected by the customer. The customer pays in crypto and the merchant receives that same asset in their Niftipay balance.

Supported assets and networks depend on the payment flow approved for the account.

Add crypto and stablecoin payments to your existing sales flow. Crypto Payments sits alongside the checkout you already run, so your card flow stays as it is and the customer simply gains a second way to pay.

1. 1
   

   The customer chooses crypto

   At the checkout the customer selects Crypto Payments and picks one of the supported assets.

2. 2
   

   Niftipay creates the payment order

   The order is created with the amount converted into the selected asset, from the dashboard, a payment link or the REST API.

3. 3
   

   Payment details are issued

   The customer receives the asset, the required network, the amount, the wallet address and a QR code.

4. 4
   

   The transaction is detected

   The customer sends the funds from their own wallet, and the blockchain transaction is detected and monitored.

5. 5
   

   The order status is updated

   The status changes, a webhook informs your system, and the asset is credited to your Niftipay balance.

Confirmation depends on the network, so a payment is credited once it has been detected and confirmed rather than at a fixed time.

The checkout is hosted by Niftipay, so you do not have to build or maintain a crypto payment screen. Each payment order can show everything the customer needs on a single page.

Niftipay can create a specific address or payment instruction associated with the order, so an incoming transaction can be matched to the order it belongs to. The address can be scanned from a mobile wallet or copied manually for a desktop or hardware wallet.

Customers must use the asset and the network shown at the checkout. Funds sent through an incorrect or unsupported network may be unrecoverable. They are not received by Niftipay and they are not received by the merchant.

A payment order remains valid for the period shown at the checkout. If it is not paid within that period, a new order is created rather than the original one being reused.

Crypto payments occasionally arrive short, arrive for more than the invoiced amount, or arrive on the wrong network. Knowing in advance what each case means avoids a support conversation that starts with a guess.

None of these situations resolves itself automatically. Each one leaves a decision with the merchant, and the four cases below cover what that decision looks like.

Refunds are returned to the wallet address the customer supplies, never automatically to the sending address, and the amount delivered depends on the asset and on the network fees applicable at the time. Read more about Niftipay security controls, or contact Niftipay support if an order needs to be reviewed.

Crypto Payments connects to the way you already sell. If you want to start without development work, a hosted checkout, a payment link or a QR payment is enough. If you run WooCommerce or PrestaShop, there is a dedicated plugin. Anything else connects through the REST API and webhooks.

Existing merchants can open the Niftipay account area, obtain the required API credentials and connect Crypto Payments to their order flow. If Crypto Payments has not yet been enabled on your account, the same qualification review applies before the flow can go live.

Crypto Payments is used across a range of online business models, including sectors that are difficult to place with conventional acquirers.

• Ecommerce storesOnline stores selling physical or digital goods that want a second payment option at the checkout without changing the card flow.
• Digital servicesDigital-service businesses whose customers already hold crypto or stablecoins and prefer to pay with them.
• Subscription businessesRecurring-revenue businesses that need crypto orders to reach the same billing and fulfilment workflow as card orders.
• Online platformsPlatforms and marketplaces handling many orders, where payment status has to flow back into the platform automatically.
• Bot commerceChat-first and bot-driven sales flows that take payment through a payment link or a QR code rather than a storefront checkout.
• Multi-market businessesBusinesses selling across several markets that need a payment method which is not tied to one banking corridor.

Availability is not automatic for any sector: every application is reviewed individually and remains subject to business review, jurisdiction and approved activity.

Crypto Payments is a regulated merchant product, so it starts with know-your-business checks rather than an instant switch. Businesses must complete KYB before the payment flow can be enabled.

Approval depends on the business model, the jurisdiction, the website, the products or services sold and the payment flow requested. Integration begins after the required review and approval, and the final commercial conditions are confirmed during onboarding. Approval is not guaranteed, and the assets and payment flows finally enabled depend on the outcome of the review.

Crypto payment pricing and applicable withdrawal fees are confirmed during onboarding, based on the business model, expected payment flow and integration requirements.

Because pricing follows the approved payment flow, a single published rate would be misleading. Your rates are confirmed before you start processing.

Niftipay Crypto Payments is designed for receiving cryptocurrency and stablecoin payments from customers. Niftipay Card lets eligible individuals and businesses fund a virtual card with USDT and spend the available balance online, on subscriptions and in store through a compatible mobile wallet. Compare all Niftipay payment products.