Crypto payment gateway
Why Paymos
From invoice to wallet — one platform for acceptance, custody, balances, and payouts. Built for engineers and finance.
Incoming network gas is covered. No conversion loss, no separate fee to move your funds.
Send funds to your own wallet whenever you want — no approval queue, no batch windows, no lock-in.
Customers pay on the network they already use; you get paid on the one you choose.
Payments, payouts, balances and reporting in one place — one integration, one invoice.
Start with just an email and a wallet — no documents, no compliance officer, no security audits.
Identical API, identical webhooks, identical schema — what you test is exactly what ships.
Who it's for
Card declines kill 5-15% of carts. Chargebacks eat margin. International orders flag as fraud. Crypto closes all three at once.
Stripe blocks AI APIs, prop tools, and 50+ countries. Recurring billing breaks on expired cards. Stablecoins keep paying customers paying.
Stripe Atlas pre-checks your content. PayPal freezes payouts for ToS edge cases. Crypto pays creators without a moderator above them.
VPN, RDP, hosting trip card MCC blocks. Agency clients pay $5K-$50K invoices — cards cap, wires cost 6%. Stablecoins move both.
Cross-border bookings flag at 4-8x normal fraud rate. Refund pipelines lock funds for 7-14 days. Stablecoin payments clear and stay cleared.
MCC 7995 = automatic acquirer refusal. Visa caps chargeback ratio at 0.9% before fines. Stablecoins have neither limit nor MCC.
Mastercard ToS strips adult merchants overnight. Nutra and forex prop sit on held-back reserves at 10-20%. Crypto frees both.
Religious and political orgs lose card processing mid-campaign. PayPal Giving Fund holds 90 days. Crypto sends donor → wallet in seconds.
Products
Pick the form that matches your flow — share a link, embed on your site, or take payments in person.
A ready-made payment page, hosted and run by Paymos. Your customer pays there — you build and host nothing.
Customers pay without ever leaving your site.
In-person QR payment. Cashier enters the amount on phone or tablet.
Pricing
One number on your invoice. We cover the network gas on the way in — no conversion loss, no fee to move your funds, nothing stacked on top.
See full pricingIntegration
REST API for full control, Widget SDK for embedded forms, CMS plugins for drop-in install.
HMAC-signed JSON. Invoices, withdrawals, balances, webhooks. Full programmatic control. Code examples in 9 languages.
Learn more
JavaScript one-liner. Checkout, donation and terminal modes. Embed on any site.
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Ready-made modules for WordPress, OpenCart, PrestaShop, Magento and WHMCS.
Learn moreBranding
Logo, accent colour, surface, text, muted tone, corner radius — all live in the project's branding settings. The page reads them as it loads. Change a colour in the dashboard, every embedded checkout updates. No redeploy, no code change.
See branding controls
FAQ
We accept stablecoin payments from your customers, keep the balance in MPC custody, and let you withdraw to your wallet on demand. One API and one dashboard for hosted checkout, embedded widget, and POS. The 1.0% is all-in — incoming network gas included, no per-call fees, no monthly minimums.
Paymos accepts four dollar stablecoins — USDT, USDC, USD1, and DAI — plus gold-backed XAUT across 13 blockchain networks. USDT is available on 11 supported networks and USDC on 10; availability for each asset follows its official issuance.
Confirmation is tiered by amount and network — small tickets clear in seconds, large amounts wait for safe finality and can run several minutes. The buyer watches a live progress bar; your webhook fires the moment we mark the invoice paid.
No. Email + wallet address gets you a working sandbox and live integration in under five minutes. KYC kicks in only when you cross higher monthly volume tiers or request enterprise-grade limits.
One click in the dashboard or one API call. Funds leave to your whitelisted address on the network you choose — usually within a few minutes, depending on the chain. No batch days, no approval queue. Paymos takes 0 commission on the withdrawal — you pay only a reduced network fee.
Yes. Sandbox runs the identical API surface, identical webhook payloads, identical schema, and a separate `pk_test_…` API key. We deliberately don't fork the code path — there are no "test-only" quirks to bite you in production.
Overpayment is credited in full and the invoice closes as paid. For underpayment you set a tolerance per project: a payment that lands within it still completes as paid; beyond it the invoice is marked underpaid, and on a multi-payment invoice it stays open for the buyer to send the rest. To return funds you make a manual transfer from your balance — stablecoins are irreversible, so there is no chargeback either way. Payments must arrive on a supported network and token; if something lands elsewhere we surface the mismatch and you decide how to handle it.
Yes — Paymos holds the funds. Your balance is a single amount per token, network-agnostic, signed by 2-of-3 MPC, so no single key exists. We hold them until you withdraw — no frozen balances, no held-back reserve, withdraw any time without approval.
Yes. We don't operate under Visa/Mastercard MCC restrictions, so verticals that get auto-refused by card acquirers (gambling 7995, adult 5967, nutra, CBD, forex prop firms) work normally. Operating-country sanctions still apply — we do not serve OFAC-sanctioned jurisdictions or sanctioned counterparties.
Sandbox identical to live. Five-minute integration. No talk-to-sales gate.
