A crypto payment gateway you can build on
A crypto payment gateway is the layer between your checkout and the blockchain. Payzuno generates a payment address per order, watches multiple chains, confirms and screens the funds, notifies your backend, and settles to a wallet you control — through a single API.
What a crypto payment gateway does
A crypto payment gateway turns "let customers pay in crypto" from an infrastructure project into an API call.
To accept crypto directly, a business has to run blockchain nodes, derive a unique address for every order, monitor each chain for incoming transactions, wait for the right number of confirmations, price volatile assets against fiat, screen transactions for compliance, and build a way to pay funds back out. A gateway does all of that for you.
Payzuno performs each step and exposes it through one REST API and an optional white-label hosted checkout:
- Address generation — a fresh deposit address per invoice, on the correct chain for the chosen asset.
- Detection & confirmation — deposits are watched on-chain and confirmed to amount-scaled thresholds.
- Pricing — each invoice is quoted from the median of four independent market feeds, or not quoted at all if the feeds disagree.
- Notification — HMAC-signed webhooks fire at every state change so your backend stays in sync.
- Settlement & payouts — net-of-fee funds credit your balance and settle to your own wallet; you can also pay out on-chain.
Assets and blockchains you can accept
Ether (ETH) and the major ERC-20 stablecoins USDT and USDC are live on Ethereum mainnet, with USDC also on Polygon. Any additional ERC-20 can be enabled per deployment with its contract address, and Bitcoin and Tron rails exist in the codebase for per-deployment activation.
Most merchants lean on stablecoin payments to avoid day-to-day volatility: the customer pays USDC or USDT and your balance stays dollar-denominated until you settle it.
Why merchants choose crypto rails
Unlike card processing, on-chain settlement is final: once a payment confirms there is no chargeback and no rolling reserve withheld from your revenue. Cross-border works the same as domestic, payments clear on weekends, and "high-risk" merchant categories simply do not exist on a blockchain.
Integrate in three calls
Create an invoice with a fiat amount and asset, show the returned hosted checkout or your own UI, and handle the confirmation webhook. The full flow runs on a testnet before you touch real money. See the quick-start guide and the payment API.
Frequently asked questions
What is a crypto payment gateway?
It is the layer between your checkout and the blockchain — it generates a payment address for each order, watches the chain for the funds, confirms them, notifies your backend, and lets you pay money back out. Payzuno does all of that through one API so you never run nodes or manage wallets yourself.
Which cryptocurrencies does the gateway support?
ETH, USDT and USDC on Ethereum mainnet, and USDC on Polygon, are live today. Any other ERC-20 can be enabled per deployment, and Bitcoin and Tron rails exist for per-deployment activation.
How quickly do payments settle?
A payment usually confirms within minutes, and withdrawal to your own wallet is available the same day — with no multi-day banking clearing cycle and no weekend gap.
Do I need to run blockchain nodes?
No. Running nodes, address derivation, chain monitoring, confirmations, pricing, and payouts are all handled by the gateway and exposed through the API.
Is there a hosted checkout or is it API-only?
Both. You can redirect customers to a white-label hosted checkout or render your own from the API responses.
Related
Ready to accept crypto on your own terms?
Spin up a testnet integration in minutes, then switch to mainnet when you are ready. No lock-in.