About Crypto Merchant: how it works and who runs it

Crypto Merchant at a glance

What is Crypto Merchant?

A service that lets a business accept cryptocurrency and get paid out in crypto. Customers pay on pages hosted by Crypto Merchant: your own checkout page, a payment link, or an invoice created in the portal or with the REST API. Webhooks signed with HMAC-SHA256 tell your server when an invoice is paid.

It works with 11 coins on 11 networks, including USDT on 6 networks and USDC on 6. The fee is 1% of each paid invoice, and going live takes a one-time $25 payment that is credited in full as a gas balance for network fees. All costs are on Pricing.

Is Crypto Merchant built on another payment gateway?

No. Crypto Merchant runs its own wallets and its own payment software: it creates the deposit addresses, watches the blockchains for payments, sweeps confirmed payments into each business's pool wallet and sends payouts. It doesn't resell or relabel another payment gateway.

Like any online service, it relies on outside providers for some things. The Privacy Policy lists them: providers that host our servers and deliver our emails, blockchain networks when coins are moved, and exchanges when swaps are made, which we do in our own name. The Terms point out that blockchains, nodes and exchanges are outside our control and can be slow, congested or down.

How does money move through Crypto Merchant?

Every payment follows the same path, from the customer's wallet to yours:

1. 1

   An invoice gets its own deposit address

   When the customer picks a coin, the amount is calculated at a rate locked for that invoice and shown with a deposit address made for it.

2. 2

   The payment is confirmed

   Crypto Merchant waits for a set number of confirmations on that network, then marks the invoice paid and credits your balance, minus 1%.

3. 3

   The coins are swept into your pool wallet

   A sweep moves the payment from its deposit address into your business's own pool wallet, automatically or when you start it. The network fee is paid from your gas balance, and there is no sweep fee.

4. 4

   Optional: one holding coin

   If you choose a holding coin, other coins are swapped into it every 24 hours or when you pay out. Swap rates include a service margin.

5. 5

   You pay out

   Send your balance to the addresses you saved, whenever you like, with no minimum. Only the network fee applies.

Wrong amounts have their own rules, set out in Checkout: small underpayments within your tolerance count as paid, larger ones can be topped up or refunded, and overpayments of more than $5 can be withdrawn by the customer.

Who holds the keys?

Crypto Merchant does. It is a custodial service: we create and hold the private keys of your pool wallet and deposit addresses, and a ledger records which coins belong to which business. You don't receive these private keys.

Every wallet is derived from one master recovery phrase using the open BIP-39 and BIP-44 standards, and each business has its own account number under that phrase, so its addresses are separate from every other business. The phrase is written on paper and kept offline by the operator; on the server, it is stored only in encrypted form.

Because every address follows a standard derivation path, all addresses and their keys can be rebuilt from the phrase on new hardware, even if every server is lost. The details are in Security & recovery.

Crypto Merchant is not a bank: balances don't earn interest and aren't covered by deposit insurance (How custody works). If you want to hold your own keys, a non-custodial tool may suit you better. See custodial vs non-custodial crypto payments.

Who runs Crypto Merchant, and from where?

Crypto Merchant is operated from Pakistan, as the Privacy Policy says, and its Terms of Service are governed by the laws of Pakistan (Law and disputes). Our servers and service providers may be in other countries.

The Terms of Service and the Privacy Policy are still drafts under review, and both show a “Draft for review” banner. What we ask of merchants, in plain words, is on Who can use Crypto Merchant.

When did Crypto Merchant launch?

On 28 October 2026. It is a new service. The fees, the Terms and the security design are published so you can check them before you sign up.

Which languages does Crypto Merchant support?

15 languages: English, Chinese, Hindi, Spanish, Arabic, French, Bangla, Portuguese, Russian, Indonesian, Urdu, German, Japanese, Turkish, and Vietnamese. The website, the portal, checkout pages, the documentation and emails are translated. Articles and the pages for each coin are in English.

What doesn't Crypto Merchant offer?

Three things that other gateways may offer and Crypto Merchant doesn't:

• Shop plugins. There is no WooCommerce, Shopify or WHMCS plugin. Payment links and the API work with any site.
• Bank or fiat settlement. Payouts are in crypto only, to your own wallet addresses. Nothing is paid to a bank account.
• Non-custodial wallets. Payments always collect in a pool wallet that Crypto Merchant holds for your business.

If you need any of these, another gateway may suit you better. We compare them on Crypto Merchant alternatives.

How do I contact Crypto Merchant?

Write to [email protected], or use the contact form, which opens a private thread for our replies. If you have an account, Support in the portal keeps every thread with your business. We will never ask for your password or your two-factor codes.

Related pages

• Pricing and fees
• Who can use Crypto Merchant
• Security & recovery
• Getting started
• API reference
• Alternatives
• Terms of Service
• Privacy Policy