Frequently Asked Questions

COINPAYMENTS is a digital asset payment infrastructure company that enables businesses to accept, manage, and move value using cryptocurrency and stablecoins. Businesses connect directly into their existing platforms using standard technical connectors, gaining access to infrastructure that supports 40+ cryptocurrencies across 180+ countries.

Depending on how a business operates, whether accepting payments from customers, moving funds across borders, managing treasury in digital assets, or offering crypto as a funding option to clients, COINPAYMENTS handles the processing, verification, and settlement behind the scenes. Businesses retain full control over how and when funds are settled, with no automatic conversion. With 14 years of operation, $50B+ in transactions processed, and 250,000 partners globally, it provides the infrastructure that connects businesses to the digital asset economy.

You can use 40+ digital currencies, including widely used stablecoins like USDC and USDT and major coins such as Bitcoin (BTC) and Ethereum (ETH). Beyond active payment currencies, COINPAYMENTS supports wallets for 2,000+ digital assets, giving you exceptional flexibility for accepting, holding, and moving assets across your business operations. The full list of supported coins is available at here, and you retain full control over which of these currencies you accept on the platform, choosing any combination that suits your business model.

What is a stablecoin?
Stablecoins are a form of digital asset designed to hold a steady value, typically pegged one-to-one with a traditional currency like the U.S. dollar or Euro. USDC and USDT are the two most widely used examples. Because their value does not fluctuate the way Bitcoin or Ethereum can, stablecoins have rapidly become the preferred instrument for global business payments, combining the speed, cost efficiency, and borderless reach of digital payments with the price stability of fiat.

*Note that USDT is not currently permitted in EU countries.

It is worth noting that COINPAYMENTS was among the first digital payments infrastructure providers to support both Litecoin and Ethereum, long before most platforms recognized the need for broader digital currency support. That same commitment to staying ahead of the market continues to define how we expand our supported asset list today, with a particular focus on the digital currencies businesses and consumers actually want to transact in.

COINPAYMENTS supports transactions in over 180+ countries, making it one of the most globally accessible digital payments infrastructure providers available. While many providers are limited to Europe or Asia, COINPAYMENTS has expanded its reach far beyond that, serving businesses and their customers across North America, Europe, Asia, Latin America, and beyond.

Digital payments are inherently borderless. A customer in Singapore can pay a business in the United States, particularly using a U.S. dollar stablecoin like USDC, without the multi-day delays or intermediary costs of traditional cross-border rails. For globally distributed businesses, that is a meaningful structural advantage.

The flow has six stages, and COINPAYMENTS handles most of them automatically. Here’s the picture:

On-ramp.
‍Fiat is converted into digital assets and enters the platform. Each client gets a unique deposit address, and customers can pay using a QR code, an API-driven checkout, or one of our pre-built plug-ins, whatever fits your setup.

Custody.
Once funds arrive, they are held in secure custody and segregated from corporate operating capital, under the security framework described in Q15.

Conversion.
When you initiate a conversion to a different asset or fiat, the exchange rate is locked at the moment of conversion. Conversion is controlled by you, not automated at the point of transaction.

Compliance screening.
Every transaction passes through our AML, KYC/KYB, and sanctions controls, with audit-trail records generated automatically. These records support your own regulatory obligations, which remain with your business.

Auto-sweep.
If you have enabled scheduled or threshold-based payouts (hourly, nightly, weekly, or to a target amount), funds move automatically to your settlement destination.

Off-ramp.
Digital assets are converted back to fiat where needed and exit the platform when and how the client chooses. Settlement can flow to a bank account via SWIFT or local rails like Faster Payments, ACH, or SEPA; to an external wallet for vendor or counterparty payouts; or stay on the platform as a stablecoin balance for treasury operations.

For most clients, the experience is much simpler than the six-step model suggests: configure your preferences once during setup, and the platform handles the rest. Your account manager will walk you through the right configuration for your business at onboarding, including payout mode, settlement currency, and destination.

Yes. COINPAYMENTS is built to handle institutional-scale flows with the same controls that govern day-to-day payments. Transactions of any size can move through the platform, though single transactions of $350,000 USD or more route through an additional approval step on our end. This is an extra safeguard that institutional buyers, particularly in aviation, escrow, M&A, and large cross-border settlements, often specifically want.

When you receive payments or move funds into your COINPAYMENTS account, the platform itself is the custodian. You can hold a balance in any supported asset (major digital currencies, or a mix) for as long as your business requires, with no obligation to convert or move funds on any schedule, and held assets remain segregated from corporate operating capital.

For escrow operators, the platform offers a custody layer with the security controls and audit trail that escrow workflows require. Funds can be received, held until release conditions are met, and disbursed to any of multiple destinations, without the multi-day delays or other dependencies.

A few operational specifics worth knowing:
• Withdrawals are unrestricted in frequency: as long as your balance is sufficient, funds can be moved at any time.
• All withdrawals require two-factor authentication.
• Single transactions of $350,000 USD or more require additional approval on our end before funds are released. This is an extra safeguard for large disbursements.
• Four withdrawal destinations are supported: another COINPAYMENTS wallet (no network fees), an external wallet (with standard network fees), your bank account (if you are approved for the bank payout feature), or a third-party payment via account transfer (e.g., ACH or SWIFT).

For both treasury and escrow workflows, the combination of custody, real-time movement, multi-destination disbursement, and active controls means COINPAYMENTS can act as the operational layer institutional buyers require, not just infrastructure that touches funds in passing.

For sending payments (to a vendor, a partner entity, or a counterparty), the platform supports direct disbursement from your COINPAYMENTS balance to three destinations: another COINPAYMENTS wallet (no network fees), an external wallet (standard network fees), or your counterparty’s bank account if you are approved for the bank payout feature. All outbound transfers require two-factor authentication.

Digital payments are near-instant, regardless of destination country, and there are no correspondent-banking intermediaries adding delay or cost on the on-chain side. For businesses moving funds between subsidiaries, paying international vendors, or settling between trading counterparties, this means a payment can be initiated and confirmed quickly.

For larger transfers or more complex disbursement workflows (including scheduled vendor payouts or treasury batching), your account manager can help design the right configuration for your business.

Yes. Our API supports the high-frequency, high-volume flow that trading and brokerage platforms require, with consistent authentication and security controls applied across every integration. Our engineering and operations teams actively monitor platform performance and work directly with high-volume clients on configuration and ongoing support.

Common integration patterns include using COINPAYMENTS as the digital payments on/off-ramp behind your trading platform, settling client deposits and withdrawals in preferred digital currency, or routing internal treasury movement between custody and operating accounts.

Our integration specialists work directly with your tech team. Typical integration timelines for a brokerage are approximately two weeks, but ready clients have done this in days. Compliance and AML controls operate transparently in the background, so your platform inherits the verification and screening posture without having to build it independently.

COINPAYMENTS is designed to integrate quickly and with minimal disruption to your existing setup. We provide ready-made integrations and plug-ins that work alongside your current payment infrastructure. You are adding a powerful new payment option, not replacing what you already have.

For businesses that want deeper or custom integration, our full API is available with comprehensive technical documentation and dedicated integration support.

Once your account is verified, you can configure your preferred payout settings (payout mode, target wallet, and settlement currency) and connect via our API or plug-in. Our integration specialists guide you through each step and stay with you beyond go-live.

The checkout experience is designed to be simple, familiar, and fully branded for your business. COINPAYMENTS offers white-label checkout capability, meaning your customers see your brand throughout the entire payment process, with no COINPAYMENTS branding visible to them at any point.

The checkout works seamlessly across web, mobile, and in-person environments. Customers select their preferred digital currency, complete their payment, and the transaction is confirmed.

COINPAYMENTS also offers accurate fixed-rate invoicing through a 60-minute price lock. The amount your customer sees at the start of checkout is the amount that gets processed. There are no last-minute surprises due to price movement during the payment window. If payment is not completed before the 60-minute invoice expires, it moves to a timed-out status, and the buyer can request a fresh invoice from the merchant at the then-current rate. Any funds that arrive after the window has closed are automatically refunded, so neither side ends up holding an off-rate position.

What if the amount sent doesn’t exactly match the invoice? Underpayments (usually caused by the buyer’s wallet deducting the network fee before broadcasting) can be handled three ways: the buyer tops up the remaining balance, you accept the short payment as-is, or the buyer receives an automatic refund. You can also pre-set an underpayment tolerance so small shortfalls clear automatically. Overpayments work in reverse: you receive the exact invoiced amount and the buyer is automatically refunded the excess. One edge case: if the excess is smaller than the refund’s own network fee, it cannot be processed economically and is not returned.

You choose. Holding digital assets is optional, not required.

COINPAYMENTS gives you three settlement options:

‍1. Convert to fiat, on your terms
You control when and how conversion happens, so you can settle in the currency your business runs on and limit digital asset exposure. Fiat settlement is available in all major currencies, and we're adding new ones regularly, so ask your account manager for the current list.

‍2. Convert to a stablecoin
A middle ground: you stay within the digital asset ecosystem and avoid price volatility. This suits treasury teams that want the efficiency of digital payments without the price swings of traditional digital assets.

‍3. Hold the underlying asset
Keep funds in your COINPAYMENTS wallet if you'd rather retain the asset itself.

‍Mix and match
You're not locked into one approach. Apply different settlement options to different currencies or transaction volumes, and split payouts across multiple currencies and accounts at once, for example USD to a U.S. account and EUR to a European account, in the same transaction.

We can always help you to configure the right setup for you.

Settlement through COINPAYMENTS is near-instant. Stablecoin transactions in particular tend to clear quickly, regardless of transaction size or the countries involved. With no correspondent banking intermediaries on the on-chain side, cleared funds become available faster, improving cash flow, working capital, and operational agility.

If you elect to convert to fiat and withdraw to a bank account, additional time may be required for standard banking review and clearing.

For businesses that prefer to batch outgoing transactions, COINPAYMENTS offers configurable payout frequencies (hourly, nightly, or weekly) that group transactions to minimize network fees, balancing speed with cost efficiency.

COINPAYMENTS offers low, transparent processing fees with no hidden charges, what you see is what you pay. Businesses can also reduce withdrawal costs by up to 90% through batched withdrawals, which group outgoing transactions together to minimise individual network fees. Full details on supported assets and pricing are available here.

What are network fees?
Network fees (sometimes called “gas fees”) are small payments made to the underlying blockchain network to process and confirm a transaction. They are not COINPAYMENTS fees: they go to the blockchain itself, and they apply to every blockchain transaction regardless of the platform used. Network fees vary by blockchain and due to congestion: Ethereum tends to cost more than Litecoin, and busy periods cost more than quiet ones. On COINPAYMENTS, network fees apply to outbound transfers to external wallets, but are waived for transfers between COINPAYMENTS wallets, and our batched withdrawal feature minimizes total network costs.

For stablecoin-settled transactions specifically, there are no currency conversion costs. This makes stablecoins among the most cost-efficient payment rails available for international commerce today. For a detailed fee schedule tailored to your transaction volumes, currencies, and business type, speak directly with your COINPAYMENTS account manager.

Correct. Digital payments are final and irreversible once confirmed on the blockchain. There is no card network sitting between the buyer and the seller with the ability to reverse or claw back funds after the fact.

For businesses that currently absorb significant chargeback losses, particularly in e-commerce, luxury goods, luxury travel, iGaming, retail brokerages, and high-value retail, this is one of the most immediate and financially tangible benefits of accepting digital payments. You eliminate the dispute process entirely, along with the associated fees, administrative burden, and revenue leakage that come with it.

One practical note: the same finality that eliminates chargebacks also means that customer refunds must be initiated directly by your business rather than through a network dispute process. Setting up a clear refund policy before you go live is straightforward, and our team can walk you through best practices for handling this smoothly. Separately, if funds are ever sent in error (for example, to the wrong address or on the wrong network), our team can assist with recovery efforts. Outcomes depend on the specific circumstances, but early action often makes recovery possible.

Security and fund safety are foundational to how COINPAYMENTS is built and operated. There are several things worth knowing:

We do not touch your deposits. COINPAYMENTS does not invest, stake, or lend customer funds. Your money stays separate and secure, always. Funds are held in custody, not deployed.

We operate under strict controls. Customer funds are held segregated from corporate operating capital; client balances are never co-mingled with our own. Formal AML (Anti-Money Laundering) and KYC/KYB (Know Your Customer / Know Your Business) processes govern both onboarding and ongoing transaction monitoring. And our risk, compliance, and security practices are subject to active internal oversight, reviewed and adapted as our operations and the regulatory landscape evolve.

We are ISO 27001 certified. This is the internationally recognized standard for information security management, giving enterprise clients confidence that our systems, processes, and data handling meet rigorous, independently verified security requirements.

All transactions are secure and fully traceable on the blockchain, which also significantly reduces your exposure to fraud compared to traditional card payment environments.

Yes, COINPAYMENTS provides compliance infrastructure that supports your regulatory obligations, not bolted on as an afterthought.

COINPAYMENTS operates in accordance with applicable regulatory requirements in the jurisdictions where we provide services. As regulatory frameworks for digital assets continue to evolve globally, we continuously assess and adapt our operations, policies, and controls to align with local legal and compliance obligations in each relevant market.

From a compliance infrastructure perspective, COINPAYMENTS maintains AML (Anti-Money Laundering) and KYC/KYB (Know Your Customer / Know Your Business) processes designed to support secure and compliant onboarding, transaction monitoring, and risk management.

All blockchain transactions also create transparent and traceable records that can assist businesses with their own audit and reporting requirements.

For jurisdiction-specific questions, including requirements related to your country of incorporation, industry sector, or ownership structure, our compliance team is available to discuss your specific situation directly.

You can open an account within a day and most businesses are live in under a week. That reflects how our integration process is structured and how many times we have done this across a wide range of industries and business models.

COINPAYMENTS is deployed alongside your existing payment infrastructure. Your current payment methods (cards, wires, whatever you use today) remain in place. Digital payments are added as an additional option, not a replacement, which means your team is not rebuilding anything and your customers experience no disruption. Unless of course, you want to only offer digital payments.

The onboarding process (business verification, account configuration, and technical integration) is designed to move in parallel where possible, and our dedicated onboarding team is with you throughout. From the moment you engage, your account manager will set a clear timeline so you know exactly what to expect and when your first transaction can clear.

COINPAYMENTS conducts business verification, KYB (Know Your Business), as part of the onboarding process. This is standard practice for any regulated payment provider and is designed to be as efficient as possible.

To help meet this requirement, all businesses must provide documentation confirming the legal existence of the company, as well as verification documents for individuals associated with the business. Specific documents required are assessed on a case-by-case basis and depend on factors such as your jurisdiction, ownership structure, business model, and risk profile. At a minimum, onboarding typically includes:
‍
• Proof of the company’s legal existence and registration
• Documentation identifying directors, control persons, beneficial owners, and authorized representatives
• Identity verification (KYC) for associated individuals in accordance with the verification level and risk requirements applicable to the account

Depending on your entity structure, business activity, and jurisdiction, additional supporting documentation may also be required. This may include regulatory licenses or authorizations for businesses operating in regulated sectors such as gambling, financial services, or other licensed industries. Our onboarding team will advise you on the exact requirements relevant to your specific business during the review process.

Verification timelines vary depending on the completeness of the submission and the complexity of your business structure. The fastest onboarding experiences typically occur when documents are submitted together, are current, clearly legible, and fully consistent across all records provided.

Every COINPAYMENTS client has access to a real person who knows your business, understands your setup, and can support your ongoing experience on the platform. This is consistently one of the things our clients highlight: you are not just getting software, you are getting people who are invested in your outcomes.

Our support team is experienced across the full range of industries we serve, from iGaming, Forex, and brokerages to luxury goods, luxury travel and aviation, corporate treasuries, escrow operations, and cross-border financial services. Whether you have a technical question, a payment query, or are looking to expand how you use the platform as your business grows, your support team is there.

You will also have access to detailed dashboard tools for transaction monitoring and reporting, configurable notifications and account activity alerts, and comprehensive documentation to support your operations team on an ongoing basis.

The new COINPAYMENTS platform is a significant upgrade to the legacy platform, with enhanced features, improved functionality, and a more user-friendly experience. As part of this upgrade, the new platform operates as a completely independent system: merchant and customer data, funds, and documentation are kept separate from the legacy platform.

To ensure a smooth and secure transition, we require all users to sign up as new users and complete verification (KYC). This allows us to maintain compliance with global standards while safeguarding your account and funds on the new platform.

If your business has funds on the legacy platform, you can continue managing them there until you are ready to transition to the new platform. Both systems remain accessible during the transition period.

For additional questions or assistance with your new account, your COINPAYMENTS team is here to help.

Due to regulatory requirements under MiCA, COINPAYMENTS is unable to continue serving clients based in the EU/EEA after 1 July 2026. Affected clients were notified in advance and advised to withdraw their full balance before this date.

Due to regulatory requirements under MiCA, COINPAYMENTS is unable to continue serving clients based in the EU/EEA after 1 July 2026. Affected clients were notified in advance and advised to withdraw their full balance before this date.

We're working to resume service for EU/EEA clients as soon as possible. This isn't confirmed yet, as timing depends on completing the necessary regulatory steps under MiCA. We'll share an update as soon as we have a confirmed date.