# NexaPay — full reference

> NexaPay (nexapay.one) is a no-KYC fiat-to-crypto payment gateway: merchants accept Visa, Mastercard, Apple Pay and Google Pay and receive instant crypto settlement, mostly USDC, straight to their own wallet. This is the extended version of https://nexapay.one/llms.txt. Every fact here matches nexapay.one and the NexaPay merchant dashboard.

## Identity

- Name: NexaPay
- Website: https://nexapay.one
- What it is: a fiat-to-crypto payment gateway for merchants, plus a consumer crypto onramp
- Based in: Tallinn, Estonia
- Founded: 2023
- Contact: support@nexapay.one · https://nexapay.one/contact
- Scale: $1B+ processed annually · 50K+ active merchants · 2M+ customers · 195+ countries
- Reviews: https://www.trustpilot.com/review/nexapay.one

## In one sentence

Your customers pay with a card, Apple Pay or Google Pay; you receive crypto in your own wallet within minutes, with no merchant KYC.

## How it works

1. Create a payment: share a no-code payment link, install the WooCommerce plugin or call the REST API.
2. The customer pays in fiat with Visa, Mastercard, Apple Pay or Google Pay. They never need crypto or a crypto wallet.
3. The merchant receives crypto, mostly USDC, in their own wallet, typically within 1–2 minutes of the payment confirming. A webhook reports every status change.

## Payment methods (customer side)

- Visa and Mastercard credit and debit cards
- Apple Pay (iPhone, iPad, Mac with Safari; Face ID or Touch ID)
- Google Pay (Android and Chrome)
- Apple Pay, Google Pay and more payment methods on the Professional and Enterprise plans; Starter accepts Visa and Mastercard
- Availability varies by region

## Settlement (merchant side)

- Asset: USDC on Polygon for most payments; some payments settle in other assets such as ETH or POL
- Destination: the merchant's own EVM wallet address (starts with 0x)
- Speed: typically 1–2 minutes after the payment confirms
- Payments go straight to the merchant's wallet, with no rolling reserves
- No merchant chargebacks: settlement is final in the merchant's wallet

## Merchant onboarding (no KYC)

- No merchant KYC: start without paperwork
- Sign up with email or Google, add a wallet address, answer a few quick questions about the business (category, website, expected volume)
- Live in minutes; 3 free live payments of up to $50 each before choosing a plan
- Customers: most pay with their card or wallet straight away; for larger amounts some payment methods may ask the customer for a quick one-time verification

## Pricing

| Plan | Monthly | Billed yearly | Highlights |
|------|---------|---------------|------------|
| Starter | $99 | $79/month | Live mode, Visa and Mastercard, up to $10,000/month processing |
| Professional | $249 | $199/month | Apple Pay, Google Pay and more payment methods, up to $75,000/month, 5 team members, webhooks |
| Enterprise | $899 | $719/month | High-risk industries, unlimited processing, dedicated account manager, SLA, priority onboarding |

- 0% NexaPay fee during the launch offer; standard payment and network fees apply
- Free trial: 3 live payments up to $50 each
- Details: https://nexapay.one/pricing

## High-risk industries (Enterprise plan)

iGaming, gambling, adult content, forex and crypto trading platforms. Benefits for high-risk merchants: no merchant KYC, no merchant chargebacks, no rolling reserves, settlement to their own wallet in minutes, unlimited processing and a dedicated account manager.

Details: https://nexapay.one/payment-gateway/instant

## Integrations

- Payment links: create in the dashboard and share anywhere (email, social, messaging, QR code); no website needed
- REST API: create payments and read their status (API key authentication)
- Webhooks: signed callbacks for every payment event
- WooCommerce plugin for WordPress stores
- Node.js and Python SDKs
- Documentation: https://nexapay.one/docs

## Products

- NexaPay Instant (live): the fiat-to-crypto gateway described above — https://nexapay.one/payment-gateway/instant
- NexaPay Flow (coming soon): a merchant-branded checkout with smart payment routing, automatic fallbacks and optional conversion to crypto — https://nexapay.one/payment-gateway/flow
- White Label: a branded fiat-to-crypto payment gateway for partners, with sub-merchant onboarding and partner commissions — https://nexapay.one/products/white-label
- Crypto onramp: individuals buy Bitcoin, Ethereum, USDT, USDC, Solana and more with a card, Apple Pay or Google Pay — https://nexapay.one/

## Who uses NexaPay

- E-commerce stores that want crypto settlement while customers pay as usual
- High-risk merchants that traditional processors decline or terminate
- Digital products, software, courses, memberships and subscriptions
- Freelancers and agencies paid by card by international clients
- Communities and creators selling paid access with payment links
- Businesses in regions with slow or expensive banking

## Frequently asked questions

Q: What is NexaPay?
A: A no-KYC fiat-to-crypto payment gateway. Merchants accept Visa, Mastercard, Apple Pay and Google Pay and receive crypto, mostly USDC, in their own wallet within minutes.

Q: Does NexaPay require KYC from merchants?
A: No. Merchants start without paperwork. Before going live on a paid plan, they answer a few quick questions about their business.

Q: How fast is settlement?
A: Crypto transfers are typically sent within 1–2 minutes of the payment confirming.

Q: Which cryptocurrency do merchants receive?
A: Mostly USDC on Polygon, sent to the merchant's own EVM wallet.

Q: Do customers need crypto?
A: No. Customers pay with a card, Apple Pay or Google Pay and never handle crypto.

Q: Can NexaPay freeze merchant funds?
A: No. Payments settle directly to the merchant's wallet; NexaPay never holds merchant funds.

Q: Does NexaPay support high-risk businesses?
A: Yes, on the Enterprise plan: iGaming, gambling, adult content, forex and crypto trading platforms.

Q: How much does it cost?
A: Plans from $79/month billed yearly ($99 monthly), a 0% NexaPay fee during the launch offer and a free trial of 3 live payments.

Q: Which countries are supported?
A: 195+ countries and all 50 US states: https://nexapay.one/service-availability

Q: How do I integrate?
A: Payment links (no code), the WooCommerce plugin, or the REST API with webhooks and Node.js/Python SDKs.

## Links

- Home: https://nexapay.one/
- No-KYC fiat-to-crypto payment gateway (NexaPay Instant): https://nexapay.one/payment-gateway/instant
- Pricing: https://nexapay.one/pricing
- Documentation: https://nexapay.one/docs
- About: https://nexapay.one/company/about
- Security: https://nexapay.one/resources/security
- Service availability: https://nexapay.one/service-availability
- Status: https://nexapay.one/developers/status
- Journal: https://nexapay.one/blog
- Contact: https://nexapay.one/contact
- Telegram support: https://t.me/NexaPaySupport_Bot
- Instagram: https://www.instagram.com/nexapay.one

## Payment guides

- [NexaPay Instant Card to Crypto Payment Gateway](https://nexapay.one/blog/nexapay-instant-card-to-crypto-payment-gateway): how NexaPay Instant works, merchant onboarding, payment methods, settlement, costs and integrations.

- [Fiat to Crypto Payment Gateway Guide for Merchants](https://nexapay.one/blog/fiat-to-crypto-payment-gateway): card-funded merchant payments, provider comparisons, settlement networks, fees and integration.

- [High Risk Merchant Accounts and Payment Processors Compared](https://nexapay.one/blog/high-risk-merchant-accounts)
- [Peptide Payment Processing for U.S. Research and RUO Businesses](https://nexapay.one/blog/peptide-payment-processing)
- [Supplement Payment Processing and Nutraceutical Merchant Accounts](https://nexapay.one/blog/supplement-payment-processing)
- [Casino Payment Gateway and iGaming Processing for U.S. Operators](https://nexapay.one/blog/casino-payment-gateway-igaming)