Криптопроцессинг

Crypto payment processing is infrastructure that lets a business accept payment in cryptocurrency (BTC, ETH, USDT, USDC, and others) and receive payment confirmation in a format its accounting systems can use. It usually works through an API or plugin: the merchant creates an invoice, the customer pays to the specified address, the processor tracks the transaction on the blockchain, and the merchant receives a notification (webhook).

## How it works

Each invoice typically gets a separate address or uses a destination tag. The processor waits for the required number of network confirmations, checks the amount and exchange rate, and then either credits the cryptocurrency to the merchant's wallet or converts it into fiat or a stablecoin. Some services work on a model where the merchant receives only fiat, while the cryptocurrency stays with the processor.

## Where it is used

In online stores, subscription services, B2B payments, and crypto casinos and online gambling, where players top up their balance with cryptocurrency. In gambling, crypto processing is often combined with KYC and AML checks, and in some jurisdictions it is subject to separate licensing requirements.

## What affects it

Key factors include confirmation speed on a specific network, network fees (gas fees), the volatility of the asset between invoice creation and crediting, the conversion rate, and the processor's fee. Because transactions are irreversible, there is no classic chargeback, so refunds must be handled manually. That makes the refund policy and dispute resolution procedure important.

## Common mistakes

The most common mistake is failing to account for overpayment or underpayment caused by volatility and network fees. The second is accepting payments without verifying the sender and the source of funds, which creates AML risks. The third is working with a processor without understanding who controls the keys and where funds are held, and without checking which jurisdictions it serves.