NexaPay Instant Card to Crypto Payment Gateway
Accept real customer payments the same day without merchant KYC or KYB. Give customers supported card and wallet checkouts while your business receives crypto.
By NexaPay
NexaPay Instant brings together same-day payment acceptance, no NexaPay rolling reserve and no merchant chargebacks on crypto settlements. Eligible merchants can offer cards, Apple Pay and Google Pay through supported providers, with proceeds delivered to a configured crypto wallet. Independent providers handle customer verification and the financial checks for their payment services. [1] [2] [5]
The current launch offer adds 0% NexaPay transaction commission, advertised to end 28 October 2026. Subscription, provider and network fees apply. A platform fee applies after the promotion. [3]
Start accepting payments or talk to our team about your setup.
Keep your payment setup moving
Start with real payment acceptance
Begin accepting payments the same day without merchant KYC or KYB paperwork. Connect your wallet, choose the plan for your business and put a supported payment route in front of your customers. That gives you a practical way to launch a new checkout or add an alternative payment option. Customer checks remain with the payment provider. [1] [6]
Receive settlement without a NexaPay reserve holdback
NexaPay does not retain a rolling percentage of your proceeds as a reserve. Completed crypto settlement reaches the wallet you configure, helping you plan around the funds actually received. Providers can still apply transaction checks, limits or restrictions, and network conditions can affect delivery. [5] [8]
Protect completed crypto settlements from merchant chargebacks
Instant provides no merchant chargebacks on crypto settlements. The licensed provider handles disputes on the customer payment side, while confirmed blockchain transfers are final. You still manage your customer refund policy and any applicable obligations; the benefit concerns your settlement route. [6] [8]
Reduce payment administration
Independent providers carry out the financial processing, customer identity checks, transaction monitoring and related controls for their services. NexaPay supplies the software connection and merchant tools. This gives your team a clearer division of responsibilities while you manage your products, customer relationships and business requirements. [4]
From customer payment to your crypto wallet
The outcome is straightforward: your customer funds a purchase through a supported fiat payment method, and your business receives crypto. NexaPay connects the checkout journey with independent providers. [2]
- Set your merchant destination. Configure the wallet that will receive proceeds. Match the supported asset and network to that wallet, and select the plan appropriate for your activity.
- Create the payment. Generate a payment link, enable the WooCommerce integration or create a payment session through the API. Give the customer a clear amount and order description.
- The customer completes the provider checkout. Available options can include cards, Apple Pay and Google Pay. The provider manages payment details and any customer verification required for that transaction.
- Track the order and wallet settlement. Review the payment result in your merchant tools and receive the supported cryptocurrency at your configured address. Connect your order workflow to the confirmed payment result. [2] [7]
Crypto transfers are typically initiated within 1–2 minutes of payment confirmation. Final receipt depends on the provider, any outstanding checks and the network. Use the confirmed status and settlement record when reconciling an order. [3]
Familiar payment methods and a wallet you control
Customers can choose supported cards and digital wallets on the provider checkout. The available methods depend on the plan, provider and customer region. Confirm the methods that matter to your audience, including the mobile devices and countries they use. [2]
USDC on Polygon is a documented merchant settlement option. Other supported assets and networks depend on the enabled route. Choose the asset and network together, verify the destination address and keep a clear record of each order and the proceeds received. [5] [7]
Your destination wallet is self-custodial. NexaPay does not hold its private keys or control its funds. The independent provider operates the payment and conversion infrastructure before settlement reaches that destination. [4]
Choose the integration that fits your business
| Option | A useful starting point | How to use it |
|---|---|---|
| Payment links | Services, digital products and a straightforward first payment. | Create a link in the dashboard and share it with your customer. |
| WooCommerce | Stores already operating on WordPress and WooCommerce. | Install the official plugin and configure the API key and webhook secret. |
| API | Custom websites and existing order systems. | Create a payment session, send the customer to checkout and handle the payment result. |
Payment links and the merchant flow are described on the payments page. The current documentation covers the API and WooCommerce setup. [2] [7]
Use the current integration documentation to connect checkout, order status and payment notifications. Payment links offer a straightforward start; WooCommerce and the API connect payments to an existing store or application. [7]
Instant's Shopify integration is coming soon. NexaPay Flow is also coming soon as a separate product for connected processors, native checkout and fiat settlement with optional conversion. [6] [10]
Understand the complete payment cost
Choose your subscription according to the provider access, processing volume and business category you need. Check the billing period when comparing prices: the published pricing page can show monthly equivalents billed annually. The launch commission waiver covers NexaPay transaction commission; it does not remove the subscription or the provider and blockchain charges. [3]
For a useful comparison, review what the customer pays and what reaches your wallet on the intended route. Include conversion costs and any later conversion to fiat in your own calculations. This makes the decision specific to your order values and settlement needs.
Built for merchants who want crypto proceeds
Instant suits businesses that want to offer supported fiat payment methods while receiving crypto: online stores, service businesses, digital products and eligible high-risk merchants. Use the plan intended for your category and a route that supports your customer markets. NexaPay welcomes lawful high-risk activity; the service does not replace any required business authorizations. [4] [9]
Explore our guide to accepting card payments and receiving crypto for the full merchant explanation, or read the high-risk merchant account guide for wider payment arrangements.
Frequently asked questions
Can I start accepting payments today
Yes. Eligible merchants can begin accepting real customer payments the same day without merchant KYC or KYB. Configure your wallet and integration, and use the appropriate plan and supported payment route. Customer verification is handled separately by the provider. [1]
Will my customers need identity verification
A provider may require it depending on the transaction, customer region and its policies. NexaPay's no-merchant-KYC onboarding offer concerns your merchant setup. It does not remove checks that a payment provider applies to the buyer. [4]
Do customers need to own crypto before paying
Customers can fund payments with supported fiat methods, including cards. The chosen provider determines the remaining checkout steps, including any account, verification or wallet-related requirements. You configure the merchant settlement wallet separately. [2]
Which cryptocurrency will my business receive
Select an asset and network supported by your route. USDC on Polygon is a documented option. Confirm the actual choices available for your setup before configuring a wallet or advertising a particular settlement currency. [5]
Does instant mean the funds arrive immediately
The published timing describes transfer initiation, typically within 1–2 minutes after payment confirmation. Wallet receipt also depends on provider processing and network confirmation. Keep those stages separate when setting your internal expectations. [3]
How do refunds work with no merchant chargebacks
You handle purchase refunds under your customer policy. The licensed provider handles card disputes, and NexaPay cannot reverse a confirmed crypto transfer. Maintain a refund process alongside the settlement benefit. [8]
Can high risk businesses use Instant
Yes, eligible lawful businesses can use the plan intended for their category. Provider and geographic requirements still apply. Discuss your products and customer markets with our team so the setup reflects your actual activity. [4] [9]
Is Shopify available today
Instant's Shopify integration is coming soon. Current integration paths include payment links, WooCommerce and the API. Check the product documentation for release updates before planning a Shopify launch. [6]
Can Instant pay directly into my bank account
Instant is designed for crypto settlement to your configured wallet. Any later conversion to fiat is a separate arrangement. Upcoming Flow describes fiat settlement through connected processors and optional conversion afterward. [2] [10]
Start accepting payments with NexaPay Instant
Put supported card and wallet payments in front of your customers, with crypto proceeds sent to your wallet. Start with a payment link or connect your store, and choose the route that fits your business.
Get started with NexaPay Instant or ask our team about your integration.
Sources and product information
- NexaPay About Us. Merchant onboarding and business overview.
- NexaPay Payments. Provider checkout, merchant links and wallet settlement.
- NexaPay Pricing. Current offer, subscriptions, fees and transfer initiation.
- NexaPay Terms of Use. Provider responsibilities, custody and merchant obligations.
- NexaPay Crypto Settlement. Settlement example and reserve policy.
- NexaPay Instant. Product scope and integration availability.
- NexaPay Documentation. Asset networks, API, callbacks and WooCommerce.
- NexaPay Refund Policy. Customer purchases, provider disputes and platform refunds.
- NexaPay Service Availability. Regional availability and provider requirements.
- NexaPay Flow. Upcoming product and connected processor model.