What is Payzuno?
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 to a wallet they control.
Overview
Payzuno is a headless crypto payment service provider (PSP) built around minimized custody. It sits between an online business’s checkout and the blockchain, handling everything required to take a digital-asset payment and turn it into settled funds in the merchant’s own wallet: address generation, multi-chain monitoring, confirmations, market-rate pricing, compliance screening, a double-entry ledger, hardware-backed signing, and payouts.
The business integrates one REST API and, optionally, a white-label hosted checkout — instead of running blockchain nodes, managing wallets, and building compliance and reconciliation systems in-house.
The problem it solves
Accepting crypto directly is deceptively hard. A business must run nodes for each blockchain, derive a unique address for every order, monitor chains for incoming transactions, wait for the right number of confirmations, price volatile assets against fiat, screen transactions for compliance, reconcile every movement, and build a way to pay funds back out — each a project in its own right, and all of it to be operated indefinitely, where a single mistake is a direct financial loss. Payzuno packages that entire program behind an API so a business can go live in days.
Who it’s for
Payzuno serves online businesses that want to accept crypto or stablecoins, and especially those that sell across borders or are treated as high-risk by card acquirers:
- iGaming operators — casinos and sportsbooks
- E-commerce and digital-goods stores
- Games, in-game purchases and marketplaces
- Software and SaaS vendors
- Affiliate and ad networks, travel, forex, and freelance marketplaces
Products & services
- Crypto payment gateway — accept crypto and stablecoins through one API.
- Crypto checkout — a white-label hosted pay page.
- Card-to-crypto — customers pay by card or a local method like UPI; you receive crypto.
- Stablecoin payments — accept USDT and USDC and keep a dollar-denominated balance.
- Merchant payments — batch on-chain payouts and refunds.
- Global settlements — borderless settlement to your own wallet.
- Payment infrastructure — the ledger, signing, and monitoring behind it all.
How it works
- Create an invoice with a fiat amount and asset; Payzuno quotes the crypto amount and derives a fresh deposit address.
- Show the checkout — the hosted page or your own UI — with the exact amount, asset and network.
- Detection & confirmation — the deposit is watched on-chain, KYT-screened, and confirmed to amount-scaled thresholds, with signed webhooks at each step.
- Settle & pay out — net-of-fee funds credit your balance and settle to your wallet; you can pay out on-chain in batches.
Technology
Payzuno runs multi-chain monitoring (Ethereum and Polygon today, with Bitcoin and Tron rails in the codebase), deterministic per-invoice address derivation, and confirmation tracking with reorg handling. Deposit detection can be driven by efficient chain polling or by push notifications from a node provider, with polling as the backstop. Every credit, fee, sweep and payout is reconciled by an auditable double-entry ledger, and invoices are priced from the median of four independent market feeds — declining to quote rather than guessing when the feeds disagree.
Security & custody
Custody is minimized by design: funds settle to merchant-controlled wallets on a schedule the merchant sets, and balances are never lent, staked, or reinvested. Signing keys live in dedicated key hardware (HSM/KMS) rather than on application servers, and every outbound transfer is checked against per-transfer and per-merchant policy limits before it can be signed. Deposits and withdrawals are screened against a KYT provider and fail closed, and administrative actions are written to a hash-chained audit trail.
Developer focus
The API uses bearer keys, mandatory idempotency on writes, HMAC-signed webhooks, stable machine-readable error codes, and tenant scoping, with a full OpenAPI specification and a TypeScript SDK. Teams validate the whole flow on a testnet before switching to mainnet keys. Start with the quick-start guide.
Why build on Payzuno instead of from scratch
Building crypto payments in-house means hiring blockchain, security and compliance engineers to write and then permanently operate node infrastructure, key management, ledgering, monitoring and screening — where one error in confirmation logic or key handling is a direct loss. Payzuno turns that into configuration: assets, chains, on-ramps, fees and limits are set per deployment, and you integrate an API instead of running a payments platform.
Frequently asked questions
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.
What problem does Payzuno solve?
Accepting crypto directly means running nodes, generating an address per order, watching several blockchains for confirmations, pricing volatile assets, screening for compliance, and paying funds back out — each a project on its own. Payzuno packages all of it behind one API and hosted checkout, so a business can accept digital-asset payments in days instead of months.
Who should use Payzuno?
Online businesses that want to accept crypto or stablecoins: iGaming operators (casinos and sportsbooks), e-commerce stores, SaaS and software vendors, digital-goods sellers, marketplaces, and any merchant treated as high-risk or charged high cross-border fees by card acquirers.
Why choose Payzuno instead of building payment infrastructure from scratch?
Building crypto payments in-house means building and permanently operating node infrastructure, key management, ledgering, monitoring, and compliance — where a single error is a direct financial loss. Payzuno delivers all of it as a service, so you integrate an API instead of running a payments platform.
Explore
Talk to the Payzuno team
Tell us what you sell and where, and we will map crypto acceptance and settlement to your business.