Crypto payment gateway software: stablecoin and Bitcoin rails next to cards, through licensed providers
A crypto rail in a payment platform is a method like any other: the payer pays in USDT, USDC or Bitcoin, a licensed or registered crypto provider confirms and converts, the merchant receives the result and the settlement in the currency it chose. Tranzify integrates those providers next to cards and local methods, routes and journals the payments and never holds crypto or fiat.
Why payment businesses add crypto rails
- Payers in markets where cards decline or do not exist pay in stablecoins from a wallet.
- Settlement with partners and sellers across borders in minutes, not days.
- No chargebacks: a confirmed transfer is final.
- Higher amounts than cards allow, without the limits of a card or a bank account.
How it works on the platform
- The checkout offers the crypto method where routing allows it; the payer sees the amount, the coin, the network and an address or a QR code.
- The licensed provider watches the network, confirms the transfer and, where contracted, converts it to the merchant’s settlement currency.
- Tranzify writes the result, calls the merchant’s webhook and books the payment in the ledger like any other.
- Payouts in stablecoins go through the same providers with the recipient’s address validated by them.
The assets and the rails
| Asset | Networks | Typical use |
|---|---|---|
| USDT | TRC-20, ERC-20, TON and others per provider | Deposits and settlements; the most used stablecoin in emerging markets |
| USDC | Ethereum, Solana, Polygon and others per provider | Settlements with partners that prefer a regulated issuer |
| BTC, ETH | On-chain | Deposits from wallets; slower confirmations, higher network fees |
| TON, SOL, BNB, TRX, XRP, LTC, DOGE, MATIC, APT, SUI, ARB | Their own networks | Offered where the provider supports them and the client enables them |
The provider decides which assets and networks it accepts and at what minimum amount; the catalogue shows each provider’s list, and routing rules put each asset on the checkout only where the client allows it.
Software, provider, client: who does what
| Task | Licensed or registered crypto provider | Client | Tranzify |
|---|---|---|---|
| Addresses, custody, confirmations | yes | — | — |
| Conversion and the exchange rate | yes | — | — |
| Travel-rule and sanctions screening | yes | its own merchants’ KYC | — |
| Contract with the provider, registration where required | — | yes | — |
| Routing, cascading, limits per country | — | configures | runs |
| Journal, trace, webhooks, ledger, reports | — | — | yes |
| Fee to the merchant | — | sets | applies |
What stays with the client and the providers
The client’s contracts with the crypto providers, its registration where the regulator requires one, travel-rule and sanctions screening performed by the providers, and the conversion rates. Tranzify integrates the providers once and gives the client routing, journals and reports; it never generates an address, never holds an asset and never converts.
Before enabling crypto on a checkout
Check the client’s licence and policy for crypto-asset services in each country, the provider’s list of accepted countries and merchant categories, the accounting treatment of assets received, and the wording on the checkout: the payer must see the asset, the network, the exact amount and the deadline. The routing rules then keep the method off the page where it must not appear, and the journal keeps every transfer with its hash for the client’s auditors.
Updated: 2026-11-08