Crypto payment gateway processing over $300M annually with zero-fee options and fiat settlement
Crypto.com Pay is a merchant payment gateway developed by Singapore-headquartered digital asset platform Crypto.com. The service lets online stores, physical retailers, and enterprise partners accept digital assets with settlement completed in seconds, processing over $300M annually across more than 4,000 active merchant partners.
Crypto.com was founded in 2016 under the name Monaco by Kris Marszalek, Rafael Melo, Bobby Bao, and Gary Or. Chief Executive Officer Kris Marszalek previously led e-commerce platform Ensogo and founded BEECRAZY, while Chief Financial Officer Rafael Melo was a senior finance executive. The business is operated under the Malta-registered holding company Foris DAX MT Limited and Singapore entity Foris DAX Asia. The company employs over 5,000 staff globally. In July 2026, market maker Citadel Securities completed a $400 million strategic investment into Crypto.com, bringing total disclosed funding to $427 million following an early 2017 public token sale.
Merchants deploy Crypto.com Pay through pre-built plugins for platforms like Shopify and WooCommerce, custom API integrations, or standalone invoicing. In-store payments run directly through the Crypto.com Merchant app without dedicated point-of-sale hardware. Buyers can pay using the Crypto.com App or external Web3 wallets across networks including Cronos and Ethereum. Transactions completed via the app settle instantly, while external wallet checkouts require standard on-chain confirmations and gas fees. Settlements are handled in crypto or converted directly into more than 20 fiat currencies, including USD, EUR, GBP, and AUD.
Crypto.com Pay charges merchants a 0% processing fee for direct transactions. Customers paying via external non-custodial wallets cover standard network gas costs. The broader group holds regional operational licenses, including a Stored Value Facilities licence from the Central Bank of the UAE secured in May 2026.
Custodial settlement creates direct counterparty exposure to Crypto.com while payouts await transfer to external bank accounts. Because crypto transactions cannot be reversed on-chain, merchant operational errors require manual reconciliation. Advanced checkout features such as recurring billing are restricted strictly to customers paying through the native Crypto.com App.
Former CEO of Ensogo and founder of BEECRAZY.
Finance executive across multiple consumer tech companies.
Crypto.com Pay offers zero transaction fees and instant fiat settlements for businesses, but advanced features like recurring billing require customers to use the Crypto.com App.
Crypto.com Pay serves as the merchant payment processing division of Crypto.com, operated under Singapore-based Foris DAX MT Limited. Founded in 2016 by Kris Marszalek, Rafael Melo, Bobby Bao, and Gary Or, the parent organization holds institutional backing from Citadel Securities, which completed a $400 million investment in July 2026. The payment gateway handles over $300 million in processed volume annually across more than 4,000 active merchants, including brands like Shopify stores, Dubai Duty Free, and Xsolla Checkout.
For e-commerce integration, the platform supports pre-built plugins for Shopify and WooCommerce, alongside a direct API and software development kits for custom merchant architectures. In-store retail payments run through a standalone merchant mobile application that eliminates the need for dedicated point-of-sale hardware. Settlements settle in seconds and support more than 20 currencies, including traditional fiat balances like USD, EUR, GBP, and AUD, as well as cryptocurrencies like BTC and ETH. Instant auto-conversion into local fiat allows businesses to remove crypto price volatility entirely.
A notable advantage is pricing: merchant transactions carry a 0% processing fee, while off-chain transfers from Crypto.com App users avoid network gas charges. External wallet transfers remain supported across networks such as Cronos and Ethereum, though buyers cover standard blockchain network fees. The ecosystem also offers automated invoicing tools for B2B billing and rewards shoppers with Cronos (CRO) incentives.
Custodial control rests entirely with Crypto.com, meaning merchants take on counterparty holding risk rather than self-custody. Certain functions, such as automated recurring billing schedules, are restricted exclusively to customers paying through the native Crypto.com App. The service suits retail and digital merchants seeking zero payment gateway overhead and instant fiat off-ramping, while businesses demanding self-hosted non-custodial checkout pipelines need an alternative infrastructure provider.
| Processing fee | 0% · unverified |
|---|---|
| Settlement | Crypto, Fiat, Auto-conversion · unverified |
| Integrations | Shopify, WooCommerce · unverified |
| Invoicing | Yes · unverified |
| Recurring payments | Yes · unverified |
| Point of sale | Yes · unverified |
| Self-hosted option | No |
| Settle in stablecoins | Yes · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Coins supported, Mass payouts, Business verification (KYB), Merchant countries.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Processes customer payments in one second when transactions originate within the Crypto.com ecosystem.
Provides over 20 settlement options in cash and crypto, including USD, EUR, GBP, AUD, BTC, and ETH.
Integrates directly with online storefronts using pre-built modules for Shopify and WooCommerce.
Enables in-person retail payments through the dedicated Crypto.com Merchant app without dedicated hardware.
Generates and sends automated digital asset invoices directly from the merchant dashboard.
Supports recurring subscription payments for customers transacting through the Crypto.com App.
An online checkout widget that supports single and recurring payments across crypto and fiat with immediate settlement.
A mobile application designed for physical storefronts to accept cryptocurrency payments in person without dedicated POS terminals.
Turnkey e-commerce extensions that integrate payment processing into platforms such as Shopify and WooCommerce.
Developer toolkits that allow businesses to build customized crypto checkout flows directly into their web applications.
A merchant tool that generates and tracks automated crypto invoices for B2B transactions.
User sentiment is heavily negative, driven primarily by unresponsive and unhelpful customer support alongside frequent account locks and restrictions. In addition, customers express ongoing frustration over reduced card benefits, such as cuts to lounge access.
“I have been dealing with your support for over a month. I have file a CPFB complaint against you, I have harangued you on social media, and still you provide me absolutely no resolution for why I haven't received the refund sent to me by a third party.”
“⚠️⚠️⚠️Crypto.com HELP ⚠️⚠️⚠️ Bonjour, Après un investissement sur cdc, mon compte a été restreint et le service client me réponds toujours la même chose. « Un examen est en cours ». Sauf que cela dure depuis 2 mois!! Je ne peux ni transférer mes fonds, ni recharger la carte!!!! Que faire?????!!!!”
“sooo in North america, we lost +1 guest for airport lounge as well? Icy White”
“Why is your live support not giving any information about my case? 13 days have past without a single proof that you are working on it. Every four days another agent contacts me and puts me to starting point. Why are my Reddit posts being deleted by mods?”
Scam warning: Scammers impersonating support contact users and demand upfront payments or taxes to unlock platform and self-custody wallets.
Based on 200 Reddit posts and comments from the last 12 months, checked Oct 19, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
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Crypto.com was founded in 2016 by Kris Marszalek, Rafael Melo, Bobby Bao, and Gary Or under the company name Monaco.
Crypto.com Pay charges a 0% processing fee on merchant payments. Customers paying from outside the Crypto.com App cover standard blockchain network gas fees.
Merchants can settle in more than 20 fiat and digital currencies, including USD, EUR, GBP, AUD, BTC, and ETH.
Yes, but recurring crypto payments are only available to customers checking out through the Crypto.com App.
The platform integrates Cronos (CRO), which powers customer reward programs and banner widget promotions for merchants.
Yes, merchants can accept in-person crypto payments directly through the dedicated Crypto.com merchant app without specialized POS hardware.
Shoppers scan a QR code in the Crypto.com App or pay from another wallet, such as Crypto.com DeFi Wallet, MetaMask, WalletConnect or Ledger, and cover the network fee themselves in that case. Accepted coins include CRO, BTC, ETH, DOGE and USDC, plus other tokens that the Crypto.com App and DeFi Swap support.
Recent public posts from @cryptocom, shown as published. Not reviewed or endorsed by CryptoReview.
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