Reports from a16z and the Bank for International Settlements name stablecoins among the most notable practical applications of crypto. The figures bear this out: according to Chainalysis data, adjusted stablecoin settlement volume reached $28 trillion in 2025, growing an average of 133% per year since 2023.
McKinsey estimates that the B2B payments segment grew 733% over the year. As crypto payments move into the corporate segment, infrastructure requirements grow with them. Receiving a transfer is no longer enough: companies need to know who paid, for which purchase the funds arrived, on which network the transaction went through, and where it stands in processing.
A standard crypto wallet provides none of that.
The gap between moving funds and recording payments is where crypto processing services come in. One of them is Cryptoway. The platform accepts payments in bitcoin, USDT, and other cryptocurrencies with a fee starting at 0.3%, and links every transfer to a specific order and customer. ForkLog spoke with the Cryptoway team to understand how the product works and what problems it solves.
The Cost of Traditional Acquiring
Traditional acquiring costs businesses several percent on every transaction. Stripe’s rates, for instance, set online payment fees at 2.9% + $0.30; PayPal charges 3.49% + $0.49. Chargebacks add another layer of risk: when a payment is disputed, the merchant may lose both the transaction amount and a fixed fee — even if the dispute is eventually resolved in their favor.
Crypto payments operate on a different model. Processing fees are typically less than a percent, while blockchain transfer costs range from fractions of a cent to a few dollars and do not scale with transaction size. Once a transaction is confirmed, it cannot be reversed — chargebacks and the fraud that accompanies them simply do not exist. Settlements take minutes and are unaffected by banking holidays or country-level restrictions.
“This does not mean crypto can fully replace bank cards. But for businesses with an international audience, it can reduce a portion of costs and operational risk,” the Cryptoway team says.
When a Wallet Is No Longer Enough
The simplest way to accept crypto is to give a customer a wallet address and wait for a transfer. With a small number of payments, this usually works. As volume grows, however, manual processing becomes less practical: it takes more time, and the chance of errors and missed transactions increases.
One user picks the wrong network; another sends the wrong amount; a third pays late and sends a screenshot instead of a transaction ID. Support has to figure out who the payment belongs to, and accounting reconciles incoming funds by hand.
“The problem is that a wallet only records the fact that funds arrived. For a business, a payment is not just money coming in — it’s a set of connected data: who’s paying, for which order, on which network, what amount was expected, and what should happen after payment is confirmed. A wallet solves exactly one task: it confirms that funds were received,” the Cryptoway team explains.
Crypto processing links a blockchain transaction to a company’s internal workflows: it matches a payment to an order, keeps records, tracks payment status, and automates what happens after confirmation.
Cryptoway: Infrastructure for Accepting Crypto Payments
Cryptoway is a B2B platform for accepting cryptocurrency payments with account management, customer tracking, and transaction status monitoring. It gives businesses the tools to handle and control them.
The platform covers everything needed to work with crypto payments: crypto accounts, payment links, API (application programming interface), automatic conversion, mass payouts, and a branded interface.
“This approach makes it possible to move from the simple ‘send funds to this address’ model to a complete payment process: create a payment request, guide the customer through each step, track transaction status, and automatically connect the result to internal business processes,” the company says.
The service supports bitcoin, Ethereum, USDT (Ethereum, TRON, and TON), BNB, Litecoin, Gram (GRAM), and TRX. USDC, Solana, XRP, Cardano, Dogecoin, and Polygon are on the roadmap. Buyers can pay for goods and services through MetaMask, Trust Wallet, and other Web3 wallets directly on a website or in an app.
Once a blockchain transaction is confirmed, funds are credited to the merchant’s balance. They are held in the service’s infrastructure on cold wallets with a multi-level access system. This model is custodial: the provider takes responsibility for storing assets.
When a Business Needs Crypto Processing
According to Cryptoway’s observations, crypto processing is most often needed by companies with international customers or regular requests to pay in cryptocurrency.
“When the payment volume is small, a regular wallet usually does the job. But as transactions grow, new challenges appear: tracking incoming funds, automating workflows, running mass payouts, and controlling settlements. At that point, a wallet’s capabilities fall short,” the Cryptoway team says.
The service targets several segments:
SaaS products — subscription payments, plan upgrades, and user balance top-ups;
online stores — crypto as one payment method alongside others;
marketplaces — payments from buyers and payouts to sellers;
gaming platforms — in-game services and digital content purchases;
B2B companies — settlements with international clients and partners;
Telegram projects — selling subscriptions and access to private channels.
In all these cases, businesses need more than just a payment — they need it automatically linked to a specific account, order, subscription, or customer. That is exactly what crypto processing tools add: business context attached to every transfer.
Payment Links and Crypto Invoices
The easiest way to accept crypto without any integration or development is through payment links. A business creates an invoice, sends the customer a link, and the customer pays on a dedicated page. Before any funds arrive, the payment already has context: amount, currency, network, and description.
This is more convenient than sending a wallet address in a chat. The customer immediately understands what they’re paying for and how much, and the company has a structured payment record. If questions arise from the customer, support, or accounting, the record is easy to retrieve.
“Crypto invoices are a fit for agencies, service companies, SaaS products, and other teams that want to test demand for crypto payments without a full integration. Working with payment links requires no code — they can be created right after registration,” Cryptoway representatives say.
API for Websites, User Dashboards, and SaaS
As transaction volume scales, invoices alone are not enough — payment infrastructure needs to be embedded directly in the product. That is where the crypto payments API comes in. It eliminates manual transfer processing.
“The API automates what happens after payment: a SaaS service unlocks user access, a Telegram bot activates a subscription, a marketplace updates order status, an online store records the payment, and a B2B platform ties the payment to a customer account,” the Cryptoway team explains.
Without an API, the team has to manually check transfers and match them to orders. With integration, the payment becomes part of the product’s business logic: after a transaction is confirmed, the necessary actions trigger automatically.
Cryptoway offers a REST API with integration examples in JavaScript, PHP, and Python, plus ready-made plugins for popular content management systems (CMS) that can be connected without additional development.
“That is the difference between a payment gateway and a corporate wallet. A gateway is not just an address for receiving funds — it is infrastructure that connects the payment to the product and automatically triggers what comes next,” the company’s representatives say.
Accepting USDT, Auto-Conversion, and Mass Payouts
Cryptoway says that USDT acceptance is one of the most in-demand use cases among new clients. But stablecoins do not eliminate operational overhead. Businesses still need to correctly specify the network (Ethereum, TRON, or TON), provide clear payment instructions, handle amount errors, and build a refund procedure.
“Stablecoins make crypto payments easier to understand — but they do not replace payment discipline,” the Cryptoway team notes.
Companies also do not always want to hold funds in the currency a customer paid with. For those cases, auto-conversion is available: after a payment arrives, funds are automatically exchanged into a chosen crypto asset without any manual steps. Incoming payments can be fixed in USDT immediately, for example, reducing exposure to market volatility.
For outgoing payments, the service offers mass payouts. Funds go to multiple recipients at once — employees, referral partners, or suppliers. A list of addresses can be added manually or uploaded as a file, and payouts can be scheduled or launched with a single click.
This covers companies that need to manage both sides of the payment flow: receiving funds and distributing them.
White-Label: Crypto Payments Under Your Brand
White-label is often understood as a way to customize the look of a payment page. In practice, it is a tool for controlling the customer journey.
Cryptoway notes that for many companies it is important to keep payments part of their own product. Redirecting to a third-party service can erode trust, especially in B2B products, digital services, and online stores.
“The user should not feel like they’ve left the product during checkout. A branded payment page helps maintain customer trust and makes the process easier to follow,” Cryptoway explains.
A payment page hosted on the company’s own domain preserves a consistent user experience. A familiar interface reduces errors and support requests, particularly when customers are paying with crypto for the first time.
Security, AML, and Verification
Cryptoway runs real-time AML (anti-money laundering) screening on incoming payments: suspicious transactions are flagged and sent for audit. Funds are stored on cold wallets with multi-level access controls and a user action log.
Verification is flexible. Signing up and going through a trial period does not require KYC (know your customer) or KYB (know your business). Additional checks may be required when moving to full production with higher volumes.
Is Cryptoway Worth Connecting?
Cryptoway handles the core task of turning a standard crypto transfer into a structured payment process with invoices, transaction statuses, and payment-to-customer or payment-to-order linkage inside a product. It is suited to SaaS platforms, online stores, marketplaces, gaming companies, and B2B businesses that want to accept USDT and bitcoin without manually reconciling every transfer.
The main strengths: a fee starting at 0.3% compared with 2.9–3.49% for traditional acquiring, no chargebacks, settlement in minutes, and a toolset covering different scenarios — payment links without integration, API, plugins, auto-conversion, mass payouts, and white-label. The trial period requires no verification.
There are also limitations worth considering before connecting:
The supported coin list is still short. At the time of publication, seven assets are available. The stablecoin USDC, along with Solana, XRP, and other assets, is listed as “coming soon.” Businesses that need to accept these coins will have to wait.
No fiat withdrawal. Incoming payments can be auto-converted to USDT, but there is no direct withdrawal to a bank account or card. Fiat settlements require a separate exchanger or exchange.
If a business is already receiving requests to pay in crypto, Cryptoway can be tested through payment links or API integration. Registration takes a couple of minutes.