Crypto payments that settle,
confirm and reconcile without guesswork
Accepting crypto takes more than adding a wallet address to a checkout page. A payment needs enough confirmations before you treat it as final. An amount needs to match at the current rate. Someone needs to decide whether you hold the asset or convert it immediately. We build that logic end to end, on the chains your customers actually use.
What this logic actually does
Crypto payment acceptance is the logic that turns a blockchain transaction into a confirmed, reconciled order in your system. It generates a payment address or invoice per order. It watches the relevant chain for the transaction. It waits for enough confirmations that the payment is practically irreversible. It matches the amount received against what was charged, accounting for exchange-rate movement between order creation and payment. Only then does it mark the order paid.
None of this is automatic by default. A wallet address alone tells you nothing about whether a payment is final.
When crypto rails actually pay for themselves
You need this when a meaningful share of your customers want to pay in crypto. Card rails either do not reach them, or charge fees that make crypto genuinely cheaper for your margins. That is common in digital goods, cross-border services, and communities already holding stablecoins. It is also relevant for Telegram-based stores and bots, where a built-in crypto rail fits the existing user flow better than redirecting to a card form.
You do not need this if your customer base has no real demand for it. Crypto acceptance adds real operational surface, chain monitoring, rate volatility, regulatory questions in some jurisdictions, for a payment method few of your actual buyers will use. A licensed payment processor with a hosted crypto checkout is often enough for occasional volume. A custom integration earns its cost once volume or UX requirements outgrow a hosted page.
How we build it
For most stores, we integrate a licensed crypto payment processor, so you never directly custody funds unless you choose to. The processor generates the address, watches confirmations, and settles to fiat or a stablecoin on your behalf. Our job is wiring its webhooks into your order system the same way we would for Stripe.
Products that need direct on-chain handling, usually wallets or crypto-native apps, are different. We watch the chain directly, via a node provider or indexing API, in Python/FastAPI. We track confirmation depth per chain, and only release the order once that chain’s typical finality threshold is met. The rate used to compute the expected amount is locked for a short window at order creation. A reasonable tolerance band absorbs minor fee or rate drift without flagging every payment as a mismatch.
What to watch
Confirmation depth is a real trade-off between speed and certainty, and the right number differs by chain. We set this based on your risk tolerance, not a single default for every chain.
Regulatory treatment of crypto payments varies by country and changes over time. For anything beyond simple acceptance, holding balances, converting at scale, we flag it. You need your own legal and compliance review there, rather than treating it as a solved problem.
Running cost includes node or API access fees and, if you auto-convert, the processor’s conversion spread.
What it costs
| Option | Price | What it covers | Timeline |
|---|---|---|---|
| MVP | from $1,500 | One to two chains, processor-based settlement, order status sync | 2 to 3 weeks |
| Production | from $4,000 | Multiple chains, direct on-chain monitoring, custom hold and conversion rules | 4 to 6 weeks |
Where this connects
This pairs with Telegram Stars payments for stores already running on Telegram, and with fraud prevention for checkout since crypto orders need their own risk checks. It sits inside development and e-commerce. The chain-handling work here draws on the ten-chain crypto wallet and the payment architecture we are building for ProBay, the marketplace we are launching.
Ready to add a crypto rail that actually reconciles? Get in touch and tell us which chains your customers use.
FAQ
How much does crypto payment acceptance cost?
From $1,500 for one or two chains, commonly a stablecoin like USDT plus Bitcoin or Ethereum, on one checkout flow. More chains or a custom wallet system add time.
How long does it take to set up?
2 to 3 weeks, including testing confirmation timing on testnet before accepting real payments.
Do we have to hold crypto, or can it convert automatically?
Either. We build it as a setting. Many stores auto-convert to fiat or a stablecoin on receipt through a payment processor like a licensed crypto gateway, to avoid holding volatile assets.
Which chains and tokens do you support?
Bitcoin, Ethereum and EVM-compatible chains, plus major stablecoins (USDT, USDC), are the common starting set. Other chains are scoped individually based on reliable node or API access.
What happens if a customer sends the wrong amount?
Underpayments are flagged for manual resolution rather than auto-completed. Overpayments are either refunded on request or credited, a rule we set with you before launch.