Crypto payment gateway to accept bitcoin

Decentralized crypto processor that allows you to store currency in your own wallet, as well as accept & make batch payouts.
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Money is yours
Wallets with private keys are on your own device.
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Super safe
100% no risk of being blocked by the payment provider.
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Multi currency
85% of stable or floating coins accepted.
What is PayCryptos for you?
Payment form interface on your website with high conversion rates.

Apply & start using service same-day. Try mass automated payouts.

  • Crystal clear API and integration advisor will help you quickly integrate a widget for accepting payments that supports custom design.
  • Make batch payments to your customers through API.
  • Check deposit crediting from any device online.

Available for processing:
Bitcoin, USDT (ERC-20), USDT (TRC-20), Ethereum, Litecoin, Solana, Tron, BNB, Dogecoin, Ripple (XRP), Bitcoin Cash, Arbitrum, Elrond, Polygon etc.

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Carry out mass payouts easily and monitor transaction history.

  • A seamless interface for single and mass payouts right in the browser.
  • Ability to divide the payout flow in various currencies and on multiple devices for different projects.
  • Automatic collection of funds on blockchains with the “Accounts” system (similar to Ethereum).

PayCryptos also allows exporting the transaction history in three most popular file formats.

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A convenient payment form to make a quick cryptocurrency deposit.

  • Supports payments by QR code.
  • Fix the cryptocurrency rate for several minutes during the payment.
  • Payment address is attached to the payer.

According to the PayCryptos research, 85% of all payments in the world are carried out with cryptocurrencies which are available for payment via our payment gate.

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Problem
Do you know? It's not you, but the most crypto processors own your money.

Dangers of working with the most of cryptoprocessors:

  • Cryptoprocessor can be hacked;
  • The cryptoprocessor jurisdiction is no longer crypto-friendly;
  • The crypto processor will drastically tighten compliance procedures to check the connected business and its customers and then freeze your account.
How it works
Solution
Accounts are never frozen. Your crypto-money belongs physically to you.

We help you set up the app on your device to accept and make payments. Nevertheless PayCryptos has no access to your money.

  • PayCryptos is just transaction processor. All the wallets with assets are always with you;
  • For you, PayCryptos is a local software, not a web service, and you are 100% decentralized;
  • Compliance service is you and it's only you who decides payment designations.
Book demo
Step-by-step
Get started and work with crypto in just 3 steps days.
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Apply for service and open an account same-day.
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Get installation pack and setup your PayCryptos browser app on your computer. Use API doc to install form on website.
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Make your first test payment and payout. Oh, it's only been just three days :)
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How it works?
We take care and give you maximum info.
FAQ

We are open to any customers concerns.

Ask a question
All questions
Can my PayCryptos funds be blocked or transactions suspended?

The clients’ funds cannot be blocked neither by the PayCryptos administration, nor by a court decision or a national regulator. The user of the PayCryptos software solely possesses the secret keys and cannot physically face their funds blocking, the access to the funds will always be available. 

However, PayCryptos is entitled to refuse service to a client for corporate reasons, by giving a notice in advance. In this case, the payment form functionality for accepting cryptocurrency deposits will no longer be available.

The laws of jurisdiction regulate the PayCryptos activity?

PayCryptos, as a software solution, is regulated by the laws of the country where the software is used. While using PayCryptos, first of all, research the cryptocurrency regulations in the jurisdiction in which you operate.

If I am your client, is there a bank account open in PayCryptos and can I receive the statement?

As such, an account, like a bank account, is not opened for a PayCryptos client. You are given software for working with cryptocurrencies. Your personal account allows you to download statements of transactions.

How many cryptocurrencies should I connect to receive 80% of all crypto payments in the world?

Connecting all cryptocurrencies available in PayCryptos is enough. Our corporate survey reveals that the cryptocurrencies processed via PayCryptos overlap more than 80% of all payment flow.

Why does the PayCryptos user have two personal accounts and what are they for?

The user indeed has access to two accounts.

  • One account is available on the site PayCryptos.com and is intended for verifying the incoming deposits from the payers;
  • The other one is a WebWallet module which is available via browser on a work device of the user. This account is used for carrying out debit transactions, such as payments or mass payments. The P2P payments functionality and balance check are available here as well.

The second account is accessible only via the user work computer, since it is where the secret keys are kept.

This system allows us to make security a determining factor in working with cryptocurrency and guarantee the user that their cryptocurrency will always remain under control.

What is WebWallet and what is it for?

It is a personal account of the PayCryptos user which works locally via browser and has the following main functions: 

  • carrying out payments; 
  • balance control; 
  • P2P transfers; 
  • PayCryptos account administration. 

Access to WebWallet is granted to the client by the personal manager.

What is Payout Tool and what is it for?

It is a software that allows you to make payments from crypto wallets. A payment file is uploaded to Payout Tool (some sort of request for payment from the Fundist program), and then the transaction is signed with a secret key.

What is API token and API secret and why do I need them upon installation?

API token and API secret are some sort of data (similar to login and password) to connect the local PayCryptos version on your device to the remote PayCryptos system. 

Data exchange via API is required for keeping records of commissions, obtaining data on deposits and integrating with third-party systems, for example, with Fundist.

Why do I need to top up the wallets after the PayCryptos installation?

Wallet replenishing is necessary to form the funds turnover flow and make payments. It is crucial for the Gambling industry.

Where should I install PayCryptos - server, personal computer, or cloud?

Security is always determined by the number of points of failure/vulnerability. It is recommended to install PayCryptos on a dedicated corporate server isolated from the constant Internet access. In this case, the number of situations that can lead to hacking or loss of secret keys is reduced to a minimum. 

A personal computer can cause dangers since it may have viruses due to internet surfing on a regular basis or due to large number of users. 

A cloud solution, besides the external access, is risky because of situations when a user forgets to pay for the subscription and therefore loses all data.

Can I charge the payer a fee for cryptocurrency autoconversion to the fiat balance?

Yes, it can be done. In the PayCryptos settings, you can set an additional fee which will be debited from the client upon replenishment.

What is a monthly fee and what does it include?

Monthly tariff is a service package, which includes: 

  • processing of up to 100 000 transactions (address allocation).
  • Personal manager.
What is a setup fee and what does it include?

It is a starter payment, which includes: 

  • turn-key deployment and setting of the package with the PayCryptos software; 
  • creating wallet assistance; 
  • site payment form setup; 
  • educational training for your accountant.
How are fees in the Ethereum network calculated, how much do I pay per transaction?

The Ethereum fees do not depend on the amount. The main factor influencing the size of the commission is the price for Gas.

Gas is needed for operations to be carried out in the Ethereum Virtual Machine (blocks to be collected, operations to be executed in a smart contract, etc.). 

Each transaction in the Ethereum Virtual machine costs a certain amount of Gas. A transfer costs 21 0000 units of gas. Gas price is measured in ETH, or, more precisely, in its billionth (Gwei).  

1 ETH = 1 000 000 000 Gwei (One billionth). 

The Gas price changes depending on the demand in the system. 

Transaction fee = (Gas price * 21 000)/1 000 000 000. This will be the price in ETH. The price in USD can be calculated based on the current exchange rate.

How is the Bitcoin fee calculated, how much do I pay for the transaction?

Fees in the Bitcoin blockchain do not depend on the amount. The following factors influence the fee amount:

  1. Transaction weight, if we imagine a transaction as a program code package in bytes. 
  2. Network load.

Transaction weight is measured in bytes and emerged from the following: 

  • Number of incoming transfers to your address (+148 bytes per each address).
  • Number of outgoing addresses in a transaction (+34 bytes per each address).
  • Transaction weight (10 bytes). 

The network load imposes limitations on the number of transactions which can be included in one block. Since miners mine blocks for money, metrics are displayed every second signaling how much it might cost to process each byte when included in a block. For convenience, average indicators are displayed: 

  • How much a byte costs if the priority of including in a block is low. 
  • Byte price if the priority is average.
  • The price for the right to be included in the block faster than anyone else in a high priority.

The price is measured in Satoshi. 1 BTC = 100 000 000 Satoshi. 

During the transfer, all bytes are added up and multiplied by the price per byte, this is the transfer fee in the Bitcoin network. 

Having decided on the priority, i.e., how quickly the transaction should go through, you should divide the number by 100,000,000 to express it in whole “Bitcoins”. And then multiply by 1000 to get to kilobytes. The resulting figure = transaction fee in Bitcoin.

What is a blockchain bridge?

This is a service for the automated exchange of one cryptocurrency for another, provided that they are on different blockchains. For example, Bitcoin and Ethereum. The convenience of the bridge is a quick exchange. The downside is the centralized format of work, which is always a kind of risk.

How can I exchange one cryptocurrency to another: decentralized (DEX) VS centralized services?

Exchange services can help you with that.They can be divided into 2 types: centralized and decentralized. In both formats, you send your cryptocurrency to a specified address and receive another cryptocurrency, minus fees. 

Centralized exchange services are typically characterized by the fact that a third party is involved in the exchange. Usually, it is independent and values its reputation; however, it can always happen that money from the sender transferred to the exchange service does not reach the recipient. This risk should be taken into account. 

Decentralized exchange services (DEX) are usually built on automated algorithms, in which a third-party is a blockchain program (smart-contract), which cannot be compromised, unless hacked. You should keep in mind that such an exchange method is available only for tokens based on one blockchain, for example, Ethereum.

Where can I view the Gas-price in the most popular Ethereum-like blockchains?

Normally, the Gas-price is indicated in the blockchains scanners, for Ethereum it is etherscan.io, for Tron it is tronscan.org.

Why cannot I transfer USDT on the Tron network?

Transactions in this network are paid via the main currency TRX. 

For the transaction to be carried out, you need to top up your address with the main wallet in an amount that is enough to pay the fee in case of further funds transfer. You can top up your address via an exchange office.

Do I break the law by conducting cryptocurrency payments?

The cryptocurrency payments are regulated by the country-specific legislation. In a number of jurisdictions, transactions with cryptocurrencies are prohibited.

Why do I need a QR code when depositing and how can it be used?

It is quite convenient if your crypto wallet is installed on a mobile device. In this case, you launch the app, scan the QR code on a computer screen with a camera, and then the cryptocurrency receiver address is typed in the app automatically. You do not need to copy anything and waste time.

If the deposit is made in cryptocurrency, can a withdrawal be made in a fiat currency?

No, it cannot, unfortunately. PayCryptos does not support fiat currencies.

Is it obligatory for players making PayCryptos deposits to pass verification?

No, the verification process is not needed. Verification can be passed at user’s discretion.

How do I fix the crypto/fiat rate for the users making deposits?

To do this, you must have a payment acceptance method configured through PayCryptos, called “Invoice”.

In this case the rate gets “frozen” for 5 minutes, and the countdown begins. During this period of time, the payer must make a cryptocurrency transfer to your account which is converted into fiat later by the fixed rate.

What is the fastest blockchain for carrying out a deposit?

Blockchains are constantly being improved and are getting faster. Currently, Solana is the fastest blockchain among the supported options. The transactions are carried out almost immediately.

What is a “destination tag” when making payments via Ripple (XRP)?

This is a kind of commentary on the transfer. Any information or its absence may be indicated.

Can a PayCryptos merchant withdraw his balance via bank transfer or card?

No, PayCryptos does not work with fiat currencies.

Is it possible to do automatic payment verification and automatic payment depending on the amount?

It is possible and it depends, mostly, on the merchant and the system it uses. PayCryptos is merely a software, a tool to carry out a transaction. 

How fast is the withdrawal operation carried out and what does it depend on?

Withdrawal depends on many factors, such as verification requirements, compliance, amount, blockchain type, etc. 

Withdrawal can take from several hours up to several days, and in most cases depends on the site where you make the payment.

Who pays the network fee (blockchain fee) upon making a payment by a merchant?

The fee is paid by the sender, i.e. merchant.

If I disconnect from PayCryptos, what happens to the software, will it cease to function?

Wallets will continue to function, you still will possess your cryptocurrency. 

However, the payment acceptance form on your site will cease to function. Your clients will no longer be given addresses to send the cryptocurrency.

What will happen to my cryptocurrency if I want to disconnect from PayCryptos?

Cryptocurrency will belong to you only, since only you own the secret keys assigned to the wallet on your device.

Why can wallets take a long time to load on a computer with PayCryptos installed?

There can be several reasons for that. The PayCryptos software can launch a session in which the address generation can take place. 

Also, the wallet may take a long time to load if a lot of addresses were generated during the work process, when we are talking about thousands.

Why may my WebWallet balances not match my wallet balances?

Balances are not updated every second, usually it takes several minutes. Therefore, in case you had incomes/expenditures, the balance may be outdated. 

What is address generation for and how is it carried out?

Addresses must be generated within a wallet, so that every sent crypto payment can be automatically identified and assigned to the payer.

Is there PayCryptos API documentation?

Yes, there is such documentation.

How do I set the number of confirmations for a deposit to be credited?

This can be set in a wallet and in a PayCryptos administrative zone. Contact your personal manager.

Which nodes does PayCryptos use?

PayCryptos uses its own nodes.

What is PayCryptos update policy, will I receive a notification for re-installation?

Your personal manager will notify you about updates.

Is there an API to collect statistics on payments, declines, errors, and other metrics?

No, this kind of functionality is not provided for corporate security reasons.

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