Fiat settlement
An eligible processor receives the crypto and credits a provider balance or sends a bank payout under its settlement schedule.
Crypto payment integration
Crypto payment gateway integration without losing control of the order flow.
Connect supported cryptocurrency checkout with your website, store or application. We implement payment requests, status webhooks, blockchain confirmations and administration records around your business workflow.
Server-side payment verificationNetwork and asset clarityWebhook-led order updates
Crypto checkoutPayment request
Customer wallet
Network
Webhook
Confirmed
A complete payment lifecycle
A wallet address alone is not a reliable checkout system.
A production integration must connect the quoted fiat value, chosen asset, blockchain network, payment address, expiry time and required confirmations with the correct customer order.
It must also handle delayed confirmations, expired quotes, duplicate events, underpayments, overpayments, refunds and reconciliation. We design these states before connecting the interface so your team can understand what happened to every payment.
Where merchant funds arrive
Settlement depends on the gateway model you select.
The checkout screen does not determine who holds the money. Provider custody, conversion and settlement settings do. We document the destination before implementation.
Custodial crypto balance
The provider credits cryptocurrency or stablecoins to the merchant account for later withdrawal, transfer or conversion.
Merchant wallet
A non-custodial setup sends payment to a merchant-controlled wallet, transferring wallet security and recovery responsibility to the merchant.
Where it fits
Cryptocurrency payment API integration for websites, stores and software.
Build a structured way to accept Bitcoin, USDT, USDC, Ethereum or other provider-supported assets without separating payment status from the customer order.
Website checkout
Add a provider-hosted or API-driven crypto checkout to a business website and connect confirmed payments to the correct order.
Ecommerce payments
Offer supported digital assets at checkout while keeping order status, inventory and fulfilment aligned with payment events.
Invoices and payment links
Create time-bound payment requests for invoices, services or account balances with a clear confirmation workflow.
Applications and platforms
Connect crypto payments with SaaS products, marketplaces, membership platforms and custom business software.
Integration capabilities
Crypto checkout connected to confirmations, records and operations.
The final feature set depends on the cryptocurrency payment processor API, supported digital assets, ERC20, TRC20 or other networks, settlement model and approved merchant account.
Provider-hosted or API-based crypto checkoutBitcoin, Ethereum, USDT, USDC and supported asset configurationStablecoin and multi-currency payment optionsERC20, TRC20 and supported network selectionWallet checkout, QR code or crypto payment linksFiat-to-crypto quote and expiry handlingUnique payment request or address creationWebhook signature and event verificationBlockchain confirmation status handlingPending, expired and failed payment statesUnderpayment and overpayment rulesOrder, invoice and customer record updatesRefund or payout workflow planningTransaction logs and crypto payment reconciliation exports
Integration process
From business requirements to monitored transactions.
Assess
Review business model, countries, currencies, networks, settlement and compliance responsibilities.
Design
Map checkout, quotes, expiry, confirmation thresholds, exceptions, refunds and administration states.
Integrate
Connect the customer experience, provider API, secure webhooks, database and order workflow.
Test
Validate test transactions, delayed events, duplicate callbacks, wrong amounts and expired requests.
Launch
Configure approved production credentials, monitor initial payments and document support ownership.
Server-side control
Do not fulfil an order because the browser returned to a success page.
A customer redirect can be closed, forged or arrive before final confirmation. The backend should verify the signed webhook, retrieve the payment from the provider when appropriate and process repeated events idempotently.
Release ruleFulfil only after your server records the agreed authoritative status.
- 01Created
Payment request exists, but no valid transfer has been confirmed.
- 02Pending
A transfer was detected and is awaiting the provider’s required status.
- 03Confirmed or complete
The agreed fulfilment trigger has been reached.
- 04Expired or failed
Keep the order unpaid and issue a new request when needed.
- 05Exception
Route a wrong amount, duplicate event or refund to a controlled review workflow.
Clear responsibility
Integration does not replace provider approval or professional advice.
Esperto provides technical implementation and does not operate an exchange, hold customer assets, guarantee recovery of blockchain transfers or provide legal, tax or investment advice. The merchant must select an eligible provider and confirm that the proposed payment model is permitted in every market served.
Provider research
Compare checkout models and settlement destinations first.
Our updated guide explains hosted and self-hosted crypto payment gateways, the complete transaction lifecycle, and whether funds reach a provider balance, eligible bank account or merchant-controlled wallet.
Building a broader platform?
Explore related crypto product development.
Crypto payment FAQs
Important questions before accepting digital assets.
What is crypto payment gateway integration?
It connects a website or application with a cryptocurrency payment provider or blockchain payment API. The integration creates a payment request, monitors its status and updates the related order after the required confirmation.
Can customers pay with Bitcoin or USDT?
That depends on the selected provider, supported network, merchant eligibility and country. We configure only the currencies and networks supported by the approved account and project scope.
Can you add crypto payments to an ecommerce website?
Yes. We can connect supported crypto checkout with the cart, order, customer and administration workflows of a custom store or compatible ecommerce platform.
Can you integrate crypto payments with WooCommerce or Shopify?
We can review WooCommerce crypto payment gateway and Shopify crypto payment integration options. The final method depends on compatible provider apps, platform restrictions, merchant eligibility, supported markets and the required checkout experience.
Can customers pay through a QR code or crypto payment link?
Where the chosen provider supports it, the checkout can present a payment link or QR code containing the destination and transaction information. The backend must still verify the authoritative payment status before fulfilling an order.
Do you build a private wallet or hold customer funds?
Not as part of a standard gateway integration. We normally integrate an established provider so it handles the payment address or checkout and applicable custody responsibilities under its own terms.
How do you handle exchange-rate changes?
The chosen provider normally creates a quote with an expiry period. The integration records the quoted amount, asset, network and status, then handles expired, underpaid or delayed transactions according to agreed rules.
What happens if a payment is sent on the wrong network?
Networks must be displayed clearly before payment. Recovery is not always possible and depends entirely on the receiving provider or wallet. The interface should warn users and require them to confirm the selected network.
Is accepting cryptocurrency legal in every country?
No. Availability, taxation, reporting and compliance obligations vary by country and business model. The merchant must obtain appropriate legal and tax advice and complete the provider’s verification requirements.
Are provider and blockchain fees included?
No. Provider charges, blockchain network fees, conversion costs, settlement fees and taxes remain subject to the selected service and are separate from development fees unless included in writing.
Plan the integration