Crypto.com Pay

Overview

Crypto.com Pay is the merchant crypto-payment arm of Crypto.com — one of the world's premier crypto trading platforms with 580M+ crypto users worldwide. It lets businesses accept BTC and other major cryptocurrencies as payment, then settle in cash or crypto, all through one integration on their website or a dedicated in-store merchant app.

Trusted by 4,000+ merchants and processing $300M+ USD per annum, Crypto.com Pay offers 20+ settlement options in cash and crypto — including USD, EUR, GBP, AUD, BTC and ETH — so merchants receive zero exposure to volatile crypto prices by settling in fiat, or hold crypto when preferred (depending on jurisdiction).

Payments process in under one second, with zero CRO-token fee when customers pay with CRO, driving real CRO-rewards utility into your conversion funnel. Beyond checkout, merchants are plugged into the Crypto.com Pay merchant ecosystem: a public merchant catalog, co-promotion campaigns, and banner widgets to drive extra CRO rewards for customers.

Best for: e-commerce and brick-and-mortar merchants who want a turnkey, regulated crypto checkout with fiat settlement, automatic invoicing for B2B partners, and access to Crypto.com's engaged 100M+ verified user base.

Fees & Pricing

Pricing at a glance

Pay-with-CRO — 0% transaction fee when customers pay using CRO token (headline rate).
Standard crypto payments — competitive per-transaction settlement fee (varies by jurisdiction; check your dashboard for the current rate).
Settlement — instant / under 1 second, with cash settlement options in USD, EUR, GBP, AUD and more to eliminate crypto price exposure.
Network fees — paid by the customer from their crypto wallet, not the merchant.
No monthly fees or setup fees for the standard plugin integration.

Settlement

20+ settlement options in cash and crypto (USD, EUR, GBP, AUD, BTC, ETH — depending on jurisdiction).
Merchants keep zero exposure to volatile crypto prices when settling in fiat.
Payments process in under one second.
$300M+ USD processed per annum across 4,000+ merchants — enterprise-grade throughput.

Bottom line

The all-in cost compares favourably with card-not-present card rails, and pay-with-CRO drops the merchant fee to 0% while rewarding customers — a unique dual-sided benefit no fiat PSP can match.

Features & Integrations

Zero crypto price risk

20+ settlement options in cash and crypto — USD, EUR, GBP, AUD, BTC, ETH and more (depending on jurisdiction).
Merchants settle in cash with no exposure to crypto price swings, or in crypto when they prefer to hold.
Automatic conversion at locked rates at the moment of payment.

Multiple payment options

Accept one-time or recurring crypto payments from Crypto.com App users (recurring available to App users only).
Customers can pay with BTC, ETH, USDC, USDT, CRO and other supported coins.
Pay-with-CRO flow drives extra CRO rewards for customers — a conversion magnet.

Tap into the Crypto.com merchant ecosystem

Get listed in the Crypto.com Pay merchant catalog for discovery.
Participate in co-promotion campaigns with Crypto.com.
Install banner widgets on your site to drive extra CRO rewards for your customers.

Automatic invoicing

Automatic invoices issued for B2B partners — useful for service businesses, SaaS and B2B commerce.
No integration required to use invoicing or affiliate-partner flows.

Dedicated merchant app (no POS integration needed)

Accept in-store crypto payments via the dedicated Crypto.com merchant app.
No POS — just open the app, show your address, and customers scan and pay.
Real-time payment confirmation in under a second.

Integration options

Pre-built plugins for Shopify, WooCommerce and other popular e-commerce platforms — plug-and-play install.
Direct API integration with SDKs using just a few lines of code for custom flows.
No-integration option — use automatic invoicing, be an affiliate partner, or enable one-time card payments.

Pros & Cons

Pros

Zero crypto price risk — 20+ cash and crypto settlement options (USD, EUR, GBP, AUD, BTC, ETH)
Pay-with-CRO = 0% transaction fee — uniquely zero-cost crypto checkout
Payments process in under one second — 1-second payment finality
Tap into Crypto.com’s 580M+ crypto users worldwide
4,000+ merchants and $300M+ USD processed per annum — proven enterprise scale
Pre-built plugins for Shopify, WooCommerce and other major e-commerce platforms
Direct API integration with SDKs using just a few lines of code for custom builds
Dedicated merchant app for in-store crypto payments — no POS integration needed
Merchant ecosystem — catalog listing, co-promotion campaigns, banner widgets driving extra CRO rewards
Automatic invoicing for B2B partners
Recurring crypto payments available to Crypto.com App users — useful for subscriptions
No-integration path: invoicing, affiliate partner, one-time card payments
Regulated under Crypto.com’s global licence footprint

Cons

Recurring payments only available to Crypto.com App users — not wallet-agnostic
0% rate applies only to pay-with-CRO; standard crypto-payment rate varies by jurisdiction (not publicly published)
Ecosystem leans Crypto.com-native — rewards and discovery optimise for the Crypto.com stack
Best settlement option coverage in Singapore / EU / US / Australia; some currencies depend on jurisdiction
No native card-acceptance in the core flow — pairs with a card PSP for full checkout coverage
Self-branded checkout is hosted on Crypto.com rails — redirect modal rather than fully white-label checkout

Frequently Asked Questions

What is Crypto.com Pay?

Crypto.com's merchant crypto-payment gateway. Businesses accept BTC and other major cryptocurrencies as payment through one website integration or a dedicated in-store merchant app, and settle in 20+ cash or crypto options (USD, EUR, GBP, AUD, BTC, ETH) — with zero exposure to crypto price volatility when settling in fiat.

How much does Crypto.com Pay cost?

Pay-with-CRO gives a 0% transaction fee — customers pay using the CRO token and you pay nothing. Standard crypto payments charge a competitive per-transaction fee that varies by jurisdiction (check your dashboard for the current rate). No monthly or setup fees for the standard plugin integration; network fees are paid by the customer.

How fast is settlement?

Payments process in under one second. You can settle instantly in cash (USD, EUR, GBP, AUD and more, depending on jurisdiction) or in crypto (BTC, ETH, etc.) at locked rates, eliminating crypto price exposure.

Which cryptocurrencies can my customers pay with?

BTC, ETH, USDC, USDT, CRO and other major coins supported by Crypto.com. Pay-with-CRO drops the merchant transaction fee to 0% and rewards the customer with extra CRO.

Which integrations are supported?

Pre-built plugins for Shopify, WooCommerce and other popular e-commerce platforms, plus a direct API with SDKs for custom builds. You can also use automatic invoicing, become an affiliate partner, or enable one-time card payments with no integration.

Can I accept in-store crypto payments?

Yes — the dedicated Crypto.com merchant app lets you accept in-store crypto payments with no POS integration. Just open the app, the customer scans and pays from their Crypto.com wallet, and the payment confirms in under a second.

Does Crypto.com Pay support recurring payments?

Yes — recurring crypto payments are available to Crypto.com App users, useful for subscriptions and recurring billing. Choose from one-time or recurring crypto payment options on the same integration.

Is KYC required?

Yes — merchants must pass Crypto.com KYC to open and operate the merchant account, inheriting Crypto.com’s regulated compliance footprint.

Who is Crypto.com Pay best for?

E-commerce and brick-and-mortar merchants who want a turnkey, regulated crypto checkout with fiat settlement and access to Crypto.com’s 580M+ crypto users — particularly brands that can offer CRO rewards to drive conversion.