According to reports from a16z and the Bank for International Settlements, stablecoins are among the most significant practical applications of cryptocurrencies. The numbers back this up: as per Chainalysis, the adjusted transaction volume in stablecoins reached $28 trillion in 2025, growing at an average annual rate of 133% since 2023.
According to McKinsey, the B2B payments segment grew by 733% over the past year. As cryptocurrency payments move into the corporate sector, the demand for infrastructure increases. Companies need more than just receiving a transfer; they must understand who paid for the order, what the funds were for, which network processed the transaction, and the status of its processing. A standard crypto wallet does not provide this information.
Cryptocurrency processing services bridge the gap between fund transfers and payment accounting. One such service is Cryptoway. The platform accepts payments in Bitcoin, USDT, and other cryptocurrencies with fees starting at 0.3%, linking each transfer to a specific order and customer. Together with the project team, we explore how the product works and the problems it solves.
Costs of Traditional Acquiring
Traditional acquiring costs businesses several percentage points per transaction. For instance, Stripe charges 2.9% + $0.30 for online payments, while PayPal charges 3.49% + $0.49. Chargebacks create additional expenses: when a payment is reversed, the merchant risks losing both the transaction amount and a fixed fee, even if they later win the dispute.
Cryptocurrency payments operate on a different model. Processing fees typically amount to less than one percent, and the cost of a blockchain transfer ranges from fractions of a cent to several dollars, independent of the payment amount. Once confirmed, a transaction cannot be reversed, eliminating chargebacks and related fraud. Settlements take minutes and are unaffected by bank holidays or restrictions in specific countries.
“This does not mean that cryptocurrencies can fully replace bank cards. However, for businesses with an international audience, they can reduce some costs and operational risks,” comment representatives from Cryptoway.
When a Wallet Falls Short
The simplest way to accept cryptocurrency is to send the customer a wallet address and wait for the transfer. While the number of payments is low, this is usually sufficient. However, as the number of transactions increases, manual processing becomes less convenient: it takes more time, and the likelihood of errors and failures rises.
One user selects the wrong network, another sends an incorrect amount, a third pays late and sends a screenshot instead of a transaction ID. Support staff must determine who owns the payment, while accounting has to manually reconcile receipts.
“The problem is that a wallet only records the fact of the fund transfer. For a business, however, a payment is not just a receipt of money but a set of related data: who is paying, for which order, on which network, what amount was expected, and what should happen after payment. A wallet only solves one task — confirming the receipt of funds,” explains Cryptoway.
Cryptocurrency processing connects blockchain transactions with a company’s internal processes: it matches payments with orders, keeps records, tracks payment statuses, and automates subsequent actions after confirmation.
Cryptoway: Infrastructure for Accepting Crypto Payments
Cryptoway is a B2B platform for accepting cryptocurrency payments with account, client, and transaction status management. The service provides businesses with tools for processing and control.
The platform combines everything needed to work with crypto payments: crypto accounts, payment links, APIs, automatic conversion, mass payouts, and a branded interface.
“This approach allows a shift from a simple model of ‘send funds to this address’ to a full-fledged payment process: creating a payment request, guiding the customer at each step, tracking the transaction status, and automatically linking the result to internal business processes,” the company notes.
The service supports Bitcoin, Ethereum, USDT (Ethereum, TRON, and TON), BNB, Litecoin, Gram (GRAM), and TRX. In the future, the company plans to add USDC, Solana, XRP, Cardano, Dogecoin, and Polygon. Customers can pay for goods and services through MetaMask, Trust Wallet, and other Web3 wallets directly on the website or app.
Once a transaction is confirmed on the blockchain, the funds are credited to the merchant's balance. They are stored in the service's infrastructure on cold wallets with a multi-level access system. This model is custodial: the provider takes responsibility for asset storage.
When Businesses Need Crypto Processing
According to Cryptoway, crypto processing is most often needed by companies with international clients or regular requests for payments in cryptocurrency.
“While the volume of such payments is small, businesses manage with a regular wallet. However, as operations grow, new tasks arise: accounting for receipts, process automation, mass payouts, and payment control. At this stage, a wallet's capabilities are no longer sufficient,” Cryptoway comments.
The service targets several segments:
- SaaS services — subscription payments, tariffs, and user balance top-ups;
- online stores — accepting cryptocurrency alongside other payment methods;
- marketplaces — payments from buyers and payouts to sellers;
- gaming platforms — payment for in-game services and digital content;
- B2B companies — settlements with international clients and partners;
- Telegram projects — selling subscriptions and access to closed channels.
In all these scenarios, it is crucial for businesses not just to receive payments but to automatically link them to specific accounts, orders, subscriptions, or clients. This is where crypto processing offers tools that add the necessary business context to transfers.
Payment Links and Crypto Accounts
The easiest way to accept cryptocurrency without integration and development is through payment links. The business generates an invoice, sends the client a link, and the client pays through a separate page. Even before the funds arrive, the payment context is received: amount, currency, network, and description.
This approach is more convenient than sending a wallet address in correspondence. The client immediately understands what and how much they need to pay, and the company retains a structured record of the payment. If questions arise for the client, support, or accounting, they can quickly refer back to it.
Process of creating a payment request. Source: Cryptoway“Crypto accounts are suitable for agencies, service companies, SaaS products, and other teams that want to test demand for crypto payments without full integration. No coding is required to work with payment links — they can be created immediately after registration,” Cryptoway representatives note.
API for Websites, Personal Accounts, and SaaS
As transaction volumes grow, just having accounts is no longer enough — integration of payment infrastructure directly into the product is required. This is where the crypto payment API comes into play, eliminating manual processing of transfers.
“The API allows for automating subsequent actions after payment: a SaaS service grants access to the user, a Telegram bot activates a subscription, a marketplace updates the order status, an online store records the payment, and a B2B platform links the payment to the client account,” Cryptoway comments.
Without the API, the team must manually verify transfers and match them with orders. With integration, the payment becomes part of the product's business logic: after confirming the transaction, the necessary actions are triggered automatically.
Cryptoway offers a REST API with integration examples in JavaScript, PHP, and Python, as well as ready-made plugins for popular content management systems (CMS) that can be connected without additional development.
“This is where the difference between a payment gateway and a regular corporate wallet lies. A gateway is not just an address for receiving funds; it is infrastructure that links the payment to the product and automatically triggers further processes,” project representatives emphasize.
Accepting USDT, Auto-Conversion, and Mass Payouts
Cryptoway notes that accepting USDT is one of the most requested scenarios among new clients. However, stablecoins do not eliminate operational tasks. Businesses still need to specify the network (Ethereum, TRON, or TON) correctly, provide clear payment instructions, handle errors in amounts, and establish a refund procedure.
“Stablecoins make crypto payments clearer, but they do not replace payment discipline,” Cryptoway emphasizes.
Moreover, companies do not always want to hold funds in the currency used by the client for payment. For such cases, auto-conversion is available: after receiving a payment, it is automatically exchanged for the chosen crypto asset without team involvement. For example, incoming payments can be immediately recorded in USDT, reducing dependence on market volatility.
Now, let’s consider a scenario related to outgoing payments. For this, the service offers mass payouts. Funds can be sent to multiple recipients at once: employees, referral program partners, or suppliers. The list of addresses can be added manually or uploaded as a file, and payouts can be scheduled or initiated with a single click.
This meets the needs of companies that want to manage both sides of the payment process: receiving funds and distributing them.
Dashboard showing balance and transaction summary. Source: Cryptoway.White-Label: Crypto Payments Under Your Company’s Brand
White-label is often perceived as a way to customize the appearance of the payment page. In practice, it is a tool for controlling the customer journey.
Cryptoway highlights that for many companies, it is essential to keep payment as part of their product. Switching to a third-party service can reduce trust, especially in B2B services, digital products, and online stores.
“Users should not feel that they have left the product during payment. A branded payment page helps maintain customer trust and makes the process clearer,” Cryptoway explains.
A payment page hosted on the company’s domain supports a unified user experience. A familiar interface reduces the number of errors and support inquiries, especially if the client is paying for a product or service with cryptocurrency for the first time.
Security, AML, and Verification
Cryptoway conducts real-time checks on incoming payments through AML screening: it flags suspicious transactions and sends them for audit. Funds are stored in cold wallets with multi-level access and a user action log.
Verification is flexible. To connect and test the service, KYC or KYB is not required. Additional checks may be necessary when transitioning to full-scale operations with large volumes.
How Cryptoway Differs from a Regular Wallet
A brief comparison highlights the differences between a wallet and processing:
ParameterRegular Crypto WalletCryptowayPurposeStoring and sending cryptocurrencyAccepting crypto payments for businesses
ConnectionNot requiredAPI, plugins, or payment links
Service FeeOnly network feeFrom 0.3% for incoming payments
Client InteractionNot providedPayment pages, invoices, statuses
Payment AccountingManual reconciliationLinking to account, order, and client
AudiencePrivate usersBusinesses: e-commerce, SaaS, services
ScalingPersonal useGlobal acceptance
Should You Connect to Cryptoway?
Cryptoway addresses the fundamental task of transforming a standard crypto transfer into a structured payment process with invoices, transaction statuses, and payment links to clients or orders within the product. This solution is suitable for SaaS platforms, online stores, marketplaces, gaming, and B2B companies that want to accept USDT and Bitcoin without manually reconciling each transfer.
Key advantages include a fee starting at 0.3% compared to 2.9–3.49% for traditional acquiring, no chargebacks, settlements in minutes, and a range of tools for various scenarios: payment links without integration, APIs, plugins, auto-conversion, mass payouts, and white-label. The trial period does not require verification.
However, there are limitations to consider before connecting:
- Narrow coin list. At the time of publication, seven assets are available. The stablecoin USDC, as well as Solana, XRP, and other assets are in the “coming soon” status. If a business needs to accept these coins, they will have to wait;
- No fiat withdrawal. Incoming payments can be auto-converted to USDT, but there is no direct withdrawal to a bank account or card. For fiat settlements, a separate exchange or exchange platform will be needed;
If a business is already receiving requests for payments in cryptocurrency, Cryptoway can be tested through payment links or API integration. Registration takes just a couple of minutes.
FAQ
What is Cryptoway?Cryptoway is a crypto processing service for businesses. The service accepts payments in Bitcoin, USDT, and other digital assets through APIs, payment links, and invoices, linking each transfer to an order and customer.
What fees does the service charge?Fees start at 0.3% and are only charged on successful incoming payments. There are no connection fees or monthly minimums. Only the network fee is charged for withdrawals. The complete pricing grid is available on the pricing page.
What cryptocurrencies and networks does Cryptoway support?At the time of publication — Bitcoin, Ethereum, USDT (Ethereum, TRON, and TON), BNB, Litecoin, Gram (GRAM), and TRX. Plans include USDC, Solana, XRP, Cardano, Dogecoin, and Polygon.
Is verification required?No KYC or KYB is needed to connect and test the service. Additional checks may be required when working with large volumes.
Can payments be accepted without a website?Yes. Payment links and invoices work without integration and development; they can be issued directly from the personal account.
Is it safe to accept payments through Cryptoway?The service checks incoming transactions through AML screening, stores funds in cold wallets with multi-level access, and maintains an action log. Refunds are processed manually to the client's wallet address.