PSTNET Merchant Crypto Payment Gateway Review (2026)

Overview

PSTNET Merchant is the crypto payment acceptance arm of PSTNET — the virtual-card platform built for affiliate and performance marketers. It lets businesses create a merchant account, accept payments in 15+ cryptocurrencies, and track every transaction from inside one PSTNET dashboard.

With a 0.8% merchant fee, $0 monthly fee and 0% withdrawal fee, PSTNET Merchant is one of the leanest crypto-in/crypto-out gateways available. Payments are accepted through a hosted checkout page, an embeddable widget, a Telegram bot, or a REST API with real-time webhooks — making it a fit for ecommerce, digital goods, content creators and ad-funded businesses already in the PSTNET ecosystem.

Best for: marketers, agencies and online businesses that already use PSTNET virtual cards and want to accept crypto from customers and reuse those funds for ad spend without leaving the platform.

Fees & Pricing

PSTNET Merchant publishes a simple, flat fee structure with no recurring costs.

Merchant fees

Merchant fee — 0.8% per transaction
Withdrawal fee — 0%
Monthly fee — $0
Setup fee — free

There are no hidden decline, refund or withdrawal charges on the merchant side. Combined with the broader PSTNET card ecosystem (which also carries 0% transaction, decline, refund and withdrawal fees), this makes PSTNET one of the most cost-efficient ways to accept crypto and recycle the proceeds into advertising spend.

Features & Integrations

Accept crypto from customers

Accept BTC, ETH, USDT (ERC-20, TRC-20, BEP-20, TON), USDC, BNB, XRP, TRX, SOL, ADA, MATIC, BCH, BUSD, LTC, DASH, DOGE and TON — across multiple networks.
Payments accepted globally, subject to PSTNET’s restricted-country list.

Integration options

Hosted checkout page — ready-made payment flow.
Embeddable widget — drop a crypto checkout into your website.
Telegram bot — accept payments inside Telegram.
REST API & webhooks — POST /v1/payments and real-time status updates to your backend.

Transaction tracking

Unified dashboard to view payment status, amount, payer and currency in one place.
Real-time webhook notifications for confirmed payments.

PSTNET ecosystem

Funds received can be reused to top up PSTNET virtual cards for Google, TikTok and general ad spend.
Affiliate program — share a discount and earn rewards.

Pros & Cons

Pros

Low 0.8% merchant fee with $0 monthly and 0% withdrawal
Accept 15+ coins across multiple networks (ETH, TRC-20, BEP-20, TON)
Hosted checkout, embeddable widget, Telegram bot and REST API
Real-time webhooks for payment status updates
Unified transaction dashboard with payer, amount and currency tracking
Funds reusable within the PSTNET card ecosystem for ad spend
No decline, refund or withdrawal fees on the merchant side
Affiliate program for referral rewards

Cons

No fiat settlement — crypto-in/crypto-out only
Part of a virtual-card platform, not a dedicated standalone gateway
Geo-restricted in several regions (restricted-country list applies)
Limited brand recognition as a payment gateway vs. Tier-1 providers
No published regulatory licence / MiCA status for the merchant service
Ecosystem tied to PSTNET cards — best value for existing PSTNET users

Frequently Asked Questions

What does PSTNET Merchant cost?

A 0.8% merchant fee per transaction, with $0 monthly fee and 0% withdrawal fee. There are no setup, decline or refund charges on the merchant side.

Which coins can my customers pay with?

BTC, ETH, USDT (ERC-20, TRC-20, BEP-20, TON), USDC, BNB, XRP, TRX, SOL, ADA, MATIC, BCH, BUSD, LTC, DASH, DOGE and TON.

Can I settle in fiat?

No — PSTNET Merchant is crypto-in/crypto-out. Received crypto can be reused to top up PSTNET virtual cards for ad spend, but there is no fiat bank settlement.

How do I integrate it?

Via a hosted checkout page, an embeddable website widget, a Telegram bot, or a REST API (POST /v1/payments) with real-time webhooks.

Is PSTNET Merchant available worldwide?

It is available globally except for countries on PSTNET’s restricted-country list.

Is it a good fit if I don’t use PSTNET cards?

It works standalone, but the main value is for marketers already using PSTNET virtual cards — received crypto can be recycled directly into Google/TikTok ad spend.