Eligibility and policy

Who can use Crypto Merchant, and what we ask for

Anyone, in any country, can create a Crypto Merchant account with an email address, a password, their name and a business name. We don't ask for identity documents when you create an account, and going live takes a one-time $25 payment, not a review. The Terms of Service still prohibit illegal and sanctioned uses, and let us pause or close an account that breaks them.

Updated 30 October 2026

An email address, a password of at least 10 characters, your name and a business name. Your country is optional: you can choose “Prefer not to say”. We send a 6-digit code to confirm your email address, and that's all. We don't ask for identity documents when you create an account.

The Terms add two conditions of their own:

You must be old enough to enter into a binding contract where you live, and you must be allowed to use a service like this under the laws that apply to you. You are responsible for following those laws, including any tax, licensing and reporting rules for your business. (Terms: Who can use Crypto Merchant)

What do we ask for at each step, and what happens to funds?

One row for each stage of using Crypto Merchant. Where the Terms set a condition, the row quotes it and links to the section it comes from.

Stage	What we ask for	What can change that	What happens to funds
Creating an account	Email address (confirmed with a code), password, your name and a business name. Country is optional. No identity documents.	The Terms say: We may refuse to open an account or to work with a business. (Terms: Who can use Crypto Merchant)	None are involved yet. Setup is free.
Going live	A one-time $25 payment, in any coin. Before that, you choose your coins, how payments are swept and how you are paid out. No documents: the account goes live as soon as the payment is confirmed.	The amount is a fee, and fees can change. The Terms say new fees are published on this site and announced by email or in the portal before they apply (Fees).	The full $25 is credited to your gas balance, kept in US dollars, which pays network fees. Under the Terms it can't be withdrawn, refunded or paid out as cash (Fees).
Accepting payments	Nothing more. Turn on the coins you want to accept, then share your checkout page, a payment link or invoices from the API.	Using Crypto Merchant for anything the Terms prohibit. The Terms say: If we believe an account is being used for any of these, we may stop its payments and payouts, close it, and share information with the authorities where the law requires it. (Terms: Prohibited uses)	A payment counts once it is confirmed on its blockchain. 1% is deducted when it is credited to your balance, and the coins move into your business's own pool wallet, held by Crypto Merchant (How custody works).
Payouts and withdrawals	A payout address for each coin, saved by an Admin. Pay out any time, with no minimum and no Crypto Merchant payout fee.	The Terms say: We may delay a payout to check that it is genuine, to protect your account, or while a blockchain is congested or unavailable. (Terms: Payouts and payout addresses)	Coins are sent on-chain to your saved address. Only the network fee applies: for a network's own coin, such as BTC or SOL, it comes out of the amount sent, and for tokens such as USDT it is paid from your gas balance. A payout that has been sent can't be cancelled or reversed.
Account reviews, pausing and closing	The Terms don't list documents to provide at this stage. They don't rule out questions either: they let us act on an account in the cases in the next column.	The Terms say: We may pause or close an account, or hold its payments and payouts, if we reasonably believe it breaks these terms or the law, puts customers or other merchants at risk, or if the law or an authority requires it. Where we are allowed to, we will tell you why. (Terms: Pausing and closing accounts) You can also close your own account at any time: pay out your balance first, then ask us.	While an account is paused, its payments and payouts stop: new invoices can't be created, and the portal and the API are closed to it. The Terms say: When an account is closed, we let you withdraw the balances that belong to you, unless the law stops us or the funds are connected to a prohibited use. The gas balance, including the go-live payment, is not refunded as cash. (Terms: Pausing and closing accounts)
Your customers' payments	Customers don't create an account or show ID. They pick a coin and network and send the amount shown. Giving an email address on your checkout page is optional.	Customers must send the coin shown, on the network shown, before the invoice expires (Payments and sweeps).	The amount in coin is locked when the customer picks a coin. Once confirmed, the payment, minus 1%, is credited to your balance. You are the seller, and your prices, refunds and customer service are yours to handle (Your customers).
Refunds for wrong amounts	Nothing from you. To get coins back, the customer enters their own address on the invoice page. You set an underpayment tolerance; we recommend at least $1.	Short by no more than your tolerance: the invoice counts as paid. Short by more: it is underpaid. Overpaid by more than $5: the customer can withdraw the extra (Underpayments and overpayments).	Underpaid: what arrived is held for the customer, who can pay the rest or get back what they sent, minus the refund's network fee. Overpaid by $5 or less: the extra goes to the Crypto Merchant platform pool and is neither paid to you nor returned to the customer.
Restricted uses and places	That you follow the laws that apply to you, including tax, licensing and reporting rules, and use Crypto Merchant only for what the Terms allow.	The Terms prohibit, among other things, illegal goods, fraud, money laundering, evading sanctions or dealing with people, organisations or regions under sanctions, and gambling where it is not legal (Prohibited uses).	Payments and payouts can be stopped and the account closed. Funds connected to a prohibited use are not released when the account closes, and information can be shared with the authorities where the law requires it.

Based on the draft Terms of Service and Privacy Policy and on how the service works today.

Can we ask for information or documents later?

The draft Terms don't set out an identity check after sign-up, and they don't list documents you would have to provide. They don't promise that you will never be asked anything, either. What they do say is that we may refuse to work with a business, delay a payout to check that it is genuine, and pause or close an account, or hold its payments and payouts, in these cases:

We may pause or close an account, or hold its payments and payouts, if we reasonably believe it breaks these terms or the law, puts customers or other merchants at risk, or if the law or an authority requires it. Where we are allowed to, we will tell you why. (Terms: Pausing and closing accounts)

The Privacy Policy adds that we may disclose data when the law requires it, or to protect our users and the service from fraud or abuse (Who we share it with).

Which businesses can't use Crypto Merchant?

Anything illegal where you or your customers are, and anything on the Terms' list of prohibited uses. You may not use Crypto Merchant, directly or indirectly, for:

anything illegal where you or your customers are, including selling illegal goods or services;
illegal drugs, weapons or explosives;
child sexual abuse material, or any content that exploits minors;
fraud, scams, phishing, Ponzi or pyramid schemes, or misleading customers about what they are paying for;
money laundering, terrorist financing, or hiding where money comes from;
evading sanctions, or dealing with people, organisations or regions under sanctions;
stolen goods, stolen data or stolen accounts;
malware, hacking services or attacks on other people's systems;
goods or content that infringe other people's intellectual property;
gambling where it is not legal;
attacking, overloading or trying to get around the security of Crypto Merchant itself.

The Terms say: If we believe an account is being used for any of these, we may stop its payments and payouts, close it, and share information with the authorities where the law requires it. (Terms: Prohibited uses)

Gambling is prohibited where it is not legal. For anything else that isn't on the list, the general rule applies: it must be legal for you and your customers, and you are responsible for the tax, licensing and reporting rules of your business.

Which countries can use Crypto Merchant?

Any country: we don't publish a list of excluded countries, and sign-up doesn't block any country. The Terms say: Anyone, in any country, can open an account. Setup is free and we don't ask for identity documents. (Terms: Who can use Crypto Merchant)

Two limits still apply. You must be allowed to use a service like this under the laws where you are, and the Terms prohibit evading sanctions or dealing with people, organisations or regions under sanctions. Crypto is restricted, or needs a licence, in some countries, so check your local rules before you rely on it.

Crypto Merchant is operated from Pakistan, and the Terms are governed by the laws of Pakistan (Law and disputes).

Who holds the money while you use Crypto Merchant?

Crypto Merchant does. It is a custodial service: we hold the private keys of your pool wallet and deposit addresses, and move coins on your instructions. The balance in your portal is our record of the coins we hold for your business. How the keys are kept and backed up is explained in Security & recovery. The Terms say: Crypto Merchant is not a bank. Balances don't earn interest and are not covered by any deposit insurance or government protection scheme. (Terms: How custody works)

Is an account without documents anonymous?

No. Not uploading documents doesn't make an account anonymous. The Privacy Policy lists what we keep, including:

your email address, your name, your password (stored only as a secure hash) and your two-factor settings;
your business details, and the IP address and browser of each sign-in session;
the payout addresses you save, and the payouts and swaps you make;
invoice and customer data that you or your integration provide;
payment data: deposit addresses, amounts and transaction IDs.

Blockchain transactions are public, so anyone can follow where coins move. The full list is in What we collect.

Frequently asked questions

Do I need ID to sign up?

No. We don't ask for identity documents when you create an account. You sign up with an email address, a password, your name and a business name, and go live with a one-time $25 payment.

Can I be asked for information later?

The draft Terms don't set out a document check after sign-up, but they don't rule out questions either. They let us refuse to work with a business, delay a payout to check that it is genuine, and pause, close or hold an account that we reasonably believe breaks the Terms or the law or puts others at risk, or when the law or an authority requires it.

Which countries can use Crypto Merchant?

Anyone, in any country, can open an account, and we don't publish a list of excluded countries. You must be allowed to use a service like this where you are, and the Terms prohibit dealing with people, organisations or regions under sanctions.

What businesses are not allowed?

Anything illegal where you or your customers are, plus the uses the Terms prohibit: illegal drugs, weapons or explosives, content that exploits minors, fraud and scams, money laundering, sanctions evasion, stolen goods, data or accounts, malware and hacking services, goods that infringe intellectual property, and gambling where it is not legal.

Is the go-live payment refundable?

No. The full $25 is credited to your gas balance and pays network fees. Under the Terms, the gas balance can't be withdrawn, refunded or paid out as cash, including when an account closes.

What happens to my balance if my account is closed?

The Terms say we let you withdraw the balances that belong to you, unless the law stops us or the funds are connected to a prohibited use. If you close your own account, pay out your balance first. The gas balance is not refunded as cash.

Do my customers need an account or ID to pay?

No. Customers pay from their own wallet on your checkout page, a payment link or an invoice page. Giving an email address is optional.

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