Accept crypto.
Settle to your own wallet.
Payzuno is a cryptocurrency payment infrastructure platform that enables online businesses to accept digital-asset payments, card-to-crypto deposits, stablecoin settlements, and blockchain-based payment processing through a unified API — and settle straight to a wallet you control, on a schedule you set.
A complete crypto payment gateway for online businesses
Payzuno is the layer between your checkout and the blockchain. It generates a payment address for each order, watches multiple chains for the funds, confirms and screens them, tells your backend through signed webhooks, credits your balance, and pays money back out — for iGaming, e-commerce, SaaS, and any online business. One API replaces running nodes, managing wallets, pricing volatile assets, and reconciling transactions yourself.
A payment rail you control
Most crypto processors hold your money indefinitely. Payzuno minimizes how long funds sit with us — balances settle out to wallets you control on your schedule, and every movement is recorded in an auditable double-entry ledger.
Money passes through, it doesn’t pile up
Every payment lands at an address generated just for that invoice, and your balance settles to your own wallet the same or next day. Signing keys never touch our servers — they stay in dedicated key hardware (HSM/KMS), and every transfer is checked against your policy limits before it can be signed.
Payment infrastructure →White-label crypto checkout
A hosted pay page in your brand — logo, colour, name — showing the exact amount, asset, and network. If a merchant sets no brand, it falls back to Payzuno automatically.
Crypto checkout →Batch payouts
Pay winners and suppliers on-chain in batches, with approval gates above the limits you set, per-tenant balances, and a double-entry ledger backstop.
Merchant payments →Card-to-crypto & local on-ramps
Let customers pay by card or a local method such as UPI while you receive crypto. A regulated on-ramp settles a stablecoin to your deposit address — you only ever see crypto.
Card-to-crypto →Compliance in the flow
Fail-closed KYT screening on every deposit and withdrawal, responsible-gambling player gates, and a hash-chained audit trail.
How it works →Rates you can check
Every invoice is priced from the median of four independent market feeds. If they disagree beyond a set tolerance, or one goes stale, Payzuno refuses to quote rather than quote a wrong number.
Stablecoin payments →From invoice to settlement
Four moving parts, one webhook-driven flow. Point your backend at the API and let Payzuno watch the chain.
Create an invoice
Call the API with a fiat amount and asset. Payzuno quotes the crypto amount and derives a fresh deposit address on the right chain.
Show the checkout
Redirect to the hosted white-label pay page (QR, address, amount, network, countdown) or render your own from the API.
We watch & confirm
Deposits are detected, KYT-screened, and confirmed to amount-scaled thresholds. You get signed webhooks at every step.
Settle & pay out
Net-of-fee funds credit your balance. Withdraw or batch-pay on-chain to any address — every transfer signed in an HSM/KMS under per-transfer policy caps.
A clean, idempotent REST API
Bearer keys, mandatory idempotency, HMAC-signed requests and webhooks, stable error codes, and tenant-scoped everything. An OpenAPI spec ships in the box.
Explore the payment API# Create an invoice for $100 in USDC curl https://api.payzuno.io/v1/invoices \ -H "Authorization: Bearer ak_live_…" \ -H "Idempotency-Key: order_8412" \ -d '{ "price_usd": "100.00", "asset_id": "USDC" }' # → 201 Created { "id": "in_8412", "status": "pending", "payment_options": [{ "asset": "USDC", "amount": "100.000000", "address": "0x…" }] }
No chargebacks. No rolling reserve.
Card processors hold back a slice of your revenue for months and let buyers reverse a settled payment. On-chain settlement is final — once a payment confirms, it is yours.
| Payzuno | Cards | Bank transfer | |
|---|---|---|---|
| Chargebacks | None — settlement is final | Yes, up to 540 days later | Recall possible |
| Rolling reserve | None | Typically 5–10% held 90–180 days | None |
| Settlement speed | Minutes to confirm, same-day withdrawal | 2–7 business days | 1–3 business days |
| Cross-border | Same as domestic | Extra FX and cross-border fees | Correspondent bank fees |
| Works weekends | Yes — chains don’t close | Authorises, settles next working day | No |
| High-risk MCC | Not a category that exists | Often declined or surcharged | Bank-dependent |
Card and bank figures are typical industry ranges and vary by acquirer, region, and risk profile. Network fees still apply to on-chain transfers.
iGaming and e-commerce, natively
Casinos & sportsbooks
Fast deposits, player-level responsible-gambling controls, batch winner payouts, and per-operator pricing — the whole iGaming money flow.
iGaming payments →Online commerce
Stablecoin checkout with exact amount/asset/network shown to the buyer, overpayment and underpayment handling, refunds, and clean webhooks for your OMS.
Merchant payments →Also a good fit for any business that sells across borders or gets treated as high-risk by card acquirers:
- Affiliate & ad networks
- Software & SaaS
- Digital goods & gaming
- Travel & bookings
- Forex & trading platforms
- Freelance marketplaces
Questions we get asked
What is Payzuno?
Payzuno is a cryptocurrency payment infrastructure platform. It lets online businesses accept crypto and stablecoin payments, offer card-to-crypto deposits, and settle funds to a wallet the business controls — all through one REST API and a white-label hosted checkout, without running blockchain nodes or managing wallets in-house.
Do you hold my money?
Only briefly, and never for our own use. Each deposit lands at an address generated for that single invoice, and your balance settles out to a wallet you control on your schedule. Signing keys live in dedicated key hardware (HSM/KMS), not on application servers, and every outbound transfer is checked against your policy limits before it can be signed.
Can a crypto payment be charged back?
No. An on-chain payment is final once confirmed — there is no issuer to reverse it and no rolling reserve held against future disputes. That is a property of the blockchain, not something Payzuno adds. The trade-off is that funds sent to a wrong address cannot be pulled back, which is why the checkout shows the exact amount, asset, and network before the buyer sends.
Which cryptocurrencies can I accept?
Ether (ETH) and the major ERC-20 stablecoins USDT and USDC are live on Ethereum mainnet, and USDC is supported on Polygon. Any other ERC-20 token can be enabled per deployment by supplying its contract address.
How is the exchange rate for an invoice decided?
Each invoice is priced from the median of four independent market feeds. If fewer than two agree, the prices diverge beyond a set tolerance, or the data goes stale, Payzuno refuses to issue a quote rather than guess. You can always check the quoted rate against the public market.
What does Payzuno cost?
Pricing is agreed per merchant and depends on volume and asset mix, with separate rates for deposits and withdrawals. Blockchain network fees (gas) apply to on-chain transfers on top of that. We quote against your actual flow rather than a headline rate.
How do I integrate Payzuno?
Call the API with the fiat amount and the asset you want to be paid in, show the returned hosted checkout page or QR code to your buyer, and handle the signed webhook when the payment confirms. A full OpenAPI specification is published — follow the quick-start guide to run the entire flow on a testnet before touching real money.
Do you handle KYC and licensing for me?
No. Payzuno gives you the compliance controls and the evidence trail — KYT screening, policy limits, responsible-gambling gates, and an audit log — but customer KYC obligations and any licensing or registration requirements remain yours and vary by jurisdiction.
Ready to take crypto on your own terms?
Spin up a testnet integration in minutes, then flip a per-vendor switch to go live on mainnet. No lock-in. Reach us on Telegram or email [email protected].