One crypto-native platform to accept Visa, Mastercard and Apple Pay and receive the coin you choose in your own wallet, and take Bitcoin, Litecoin, Monero, TRX, and USDC and USDT on Polygon, BNB Smart Chain, Arbitrum and TRON at a flat 1%. Most flows need no account to start.
Your customer pays by card through a branded checkout. You receive the coin you choose in a wallet you control after confirmation — no bank account, no rolling reserve, and no chargeback clawback against funds you have already received.
The same checkout also takes Bitcoin, Litecoin, Monero and TRX, and USDC and USDT on Polygon, BNB Smart Chain, Arbitrum and TRON (USDC on Base too). Your customer picks a coin and a network, gets an exact amount locked for 20 minutes and pays from any wallet — no card provider, no ID check. You pay one flat 1% and the funds land in your 1pay.cx crypto balance the moment the network confirms.
FX, iGaming, supplements, adult and crypto merchants are turned away or frozen by traditional processors. 1pay.cx is built for them: create a payment link with self-serve onboarding and start taking cards today. Identity and compliance checks, where required, are performed by licensed payment partners in the flow of funds.
You can generate a payment link and start accepting card payments with self-serve onboarding — no company documents or underwriting queue up front. Identity and compliance checks, where required, are performed by our licensed payment partners in the flow of funds, and you settle in the coin you choose to a wallet you already control.
In the coin you choose — USDC, USDT, BTC, ETH, LTC, XMR and more — after confirmation, to your wallet or balance according to your settings. Timing depends on provider checks, network confirmations and payout settings; some payouts are batched. There is no multi-day bank settlement and no rolling reserve.
Cards: our fee is 2.9% of each transaction, and the licensed card provider plus the settlement layer add roughly 1–5% depending on provider and country, so expect about 4–8% all-in. No setup fee, no monthly subscription, no rolling reserve; you can pass a surcharge to the customer to offset it. Bitcoin, Litecoin, Monero, TRX and stablecoins: a flat 1% of what arrives, nothing else.
Visa, Mastercard and Apple Pay through the hosted checkout, routed across licensed payment providers for the best chance of approval in the customer’s country — plus Bitcoin, Litecoin, Monero, TRX, and USDC and USDT on Polygon, BNB Smart Chain, Arbitrum and TRON from any wallet, with no ID check.
Because you settle on-chain to your own wallet, there is no processor holding your balance to freeze, and no chargeback clawback taken from funds you have already received.
No. They pay with their card as usual. A licensed payment provider sells them the crypto and it is transferred automatically to pay for the order. They may see “Buy crypto” on the provider’s page and may be asked to verify their identity.
We pay you in crypto, not to a bank account. Stablecoins such as USDC are designed to hold the value of one US dollar; to cash out, send them to an exchange you use and sell them there. You choose which coin you are paid in.