Crypto Payments for High-Risk Businesses
Accept payments from major cryptocurrency wallets and automatically convert digital assets into USD deposited directly into your bank account. PayRio’s Crypto Gateway gives high-risk and restricted businesses another way to accept payments without relying entirely on traditional card processing.
Another Payment Rail for Businesses Traditional Processors Avoid
Crypto payments can give high-risk and restricted businesses another way to transact when traditional card processing is limited, unstable, expensive, or unavailable. Customers pay with digital assets while merchants can receive familiar USD settlement.
Any High-Risk or Restricted Industry
The Crypto Gateway is designed for businesses that may face additional underwriting, banking, or card-network restrictions. Eligibility still depends on the merchant, products, jurisdiction, transaction activity, and provider approval.
Crypto In. USD Out.
Customers can pay from supported cryptocurrency wallets while the payment infrastructure handles the conversion and settlement process behind the scenes.
Customer Chooses Crypto
Your customer selects the cryptocurrency payment option at checkout and completes payment using a supported digital wallet.
Payment Moves On-Chain
The transaction is processed using blockchain infrastructure rather than the traditional card-network payment rails.
Crypto Converts to USD
Supported digital assets can be automatically converted into USD, reducing the need for the merchant to manage cryptocurrency directly.
Funds Reach Your Bank
USD settlement is deposited into the merchant’s bank account based on the approved funding schedule.
Modern Payment Infrastructure Without the Crypto Complexity
PayRio’s Crypto Gateway is designed to make digital asset acceptance practical for merchants that want another payment option without building blockchain infrastructure internally.
Full Crypto Acceptance
Accept supported digital asset payments from major cryptocurrency wallets and give customers another way to complete their purchase.
Automatic Fiat Conversion
Customer crypto payments can be converted automatically into USD before settlement, so merchants do not need to maintain a crypto treasury to use the gateway.
Next-Day Funding
Eligible merchants can receive next-business-day settlement after maintaining the applicable $2,000 balance requirement.
Blockchain-Based Checkout
Transactions use blockchain payment infrastructure designed to provide a fast, transparent, and flexible digital payment experience.
Reduced Chargeback Exposure
Direct crypto transactions generally do not use the traditional card-network chargeback process once the blockchain transaction has been confirmed.
Dedicated Support
Receive 24/7 payment support throughout the merchant lifecycle, including onboarding, integration, transaction support, and account management.
Add Crypto Payments Without Rebuilding Your Website
Merchants can choose from multiple implementation options depending on their website, development resources, checkout experience, and existing eCommerce infrastructure.
Choose the Integration That Fits Your Checkout
The Crypto Gateway can be deployed through multiple checkout experiences, giving businesses flexibility in how and where customers are presented with cryptocurrency payment options.
Build Recurring Crypto Payments Into Your Platform
Subscription billing can be created and managed directly through the platform via API, giving businesses with recurring revenue models more flexibility over how crypto payment relationships are maintained.
Manage Subscription Billing Programmatically
Connect recurring payment functionality to your own systems and manage supported subscription billing through the available API.
Crypto Does Not Have to Replace Cards. It Can Strengthen Your Payment Stack.
High-risk businesses should not depend entirely on one processor or one payment rail. Crypto can complement cards, ACH, eDebit, and other payment methods to create additional redundancy for customers and merchants.
That flexibility can be especially valuable for industries where processor interruptions, banking limitations, or payment-network restrictions can disrupt otherwise healthy businesses.
See the Crypto Checkout Experience
Walk through the merchant and customer experience before starting your application. The guided demo shows how the Crypto Gateway works without requiring a live transaction.
Explore PayRio Crypto Gateway
See how a customer moves through the crypto checkout flow and get a better feel for how the experience can fit into your website.
Launch Guided DemoStart With a Review of Your Business
Crypto can support a broader range of industries, but merchants still go through a review process to confirm business eligibility, ownership, products, jurisdictions, transaction activity, and integration requirements.
Complete the Application
Tell us about your business, industry, website, products, ownership, expected transaction volume, and preferred crypto checkout experience.
Start the Application →Business Review
The payment provider reviews your business model, products, operating jurisdictions, ownership, and expected payment activity.
Select the Integration
Choose the appropriate checkout implementation, such as a hosted payment page, widget, iframe, pay button, shopping-cart integration, or supported API workflow.
Configure Settlement
Configure the approved settlement flow so supported crypto payments can be automatically converted and deposited according to the merchant’s funding terms.
Go Live
Once approval and integration are complete, activate the Crypto Gateway and begin offering digital asset payments to your customers.
Crypto Payment Processing Questions
Common questions from merchants evaluating cryptocurrency acceptance as part of their payment infrastructure.
Payments & Settlement
Which cryptocurrencies can customers use?
The Crypto Gateway supports payments from major cryptocurrency wallets and supported digital assets. Exact wallet and asset availability can depend on the provider and merchant program.
Do I receive cryptocurrency or USD?
The standard Crypto Gateway flow can automatically convert supported cryptocurrency payments into USD for settlement directly to the merchant’s bank account.
How quickly do funds settle?
The program supports next-business-day settlement, or T+1, subject to the applicable $2,000 balance requirement and the merchant’s approved account terms.
What does the Crypto Gateway cost?
Standard processing is 4% per transaction. Final program terms remain subject to merchant review and approval.
Is there a rolling reserve?
The standard program does not require a reserve. Final account terms are confirmed during merchant approval.
Risk, Integration & Terms
Can customers charge back crypto transactions?
Direct blockchain transactions generally do not use the traditional card-network chargeback process once a transaction has been confirmed. Merchants should still maintain clear refund and customer-service policies.
Does accepting crypto reduce fraud exposure?
Direct wallet payments can reduce exposure to certain forms of card fraud because customers are not entering conventional card credentials. Digital asset transactions still carry their own operational, security, compliance, and transaction risks.
Which eCommerce platforms are supported?
Supported shopping-cart integrations include WooCommerce, Magento, PrestaShop, and Drupal. Merchants can also use hosted pages, widgets, iframes, pay buttons, and supported API integrations.
Can I offer subscription billing?
Yes. Subscription billing can be created and managed through the platform using the available API functionality.
Is there a long-term contract?
The standard program is structured as a month-to-month agreement, giving merchants more flexibility than a long-term processing commitment.
Add Another Payment Rail to Your Business
Tell us about your business, industry, customers, website, and payment needs. PayRio can review your eligibility and help determine whether the Crypto Gateway is the right addition to your payment stack.