Crypto payment processor with 0.4% to 2% gateway fees and support for over 100 cryptocurrencies
Cryptomus is a cryptocurrency payment gateway supporting online checkout, mass payouts, and wallet services across more than 100 digital assets. Launched in 2022, the platform handled an estimated $8.2B in cumulative transaction volume through March 2026. It offers e-commerce merchants payment links, integrated invoice management, and automated currency conversions.
The platform was established in 2022 under the corporate entity Xeltox Enterprises Ltd., registered in Canada.
Merchants process customer transactions through invoices, recurring payments, and API integrations. Cryptomus allows incoming payments to convert automatically into stablecoins or alternative cryptocurrencies without added conversion commissions. Balance transfers directly between internal Cryptomus accounts incur zero transaction fees. Merchants can trigger automated mass payouts across thousands of external blockchain destinations using administrative endpoints.
Payment gateway fees are 2% per transaction for new users and reach as low as 0.4% for negotiated accounts. For spot transactions executed through its built-in market terminal, platform trading fees run as low as 0.04%.
In October 2025, Canadian regulator FINTRAC imposed a penalty of approximately CAD 176 million on Xeltox Enterprises Ltd. for systemic violations of anti-money-laundering and counter-terrorist-financing standards. Following heightened regulatory scrutiny and the implementation of merchant KYC mandates in early 2025, monthly volumes fell from $153M in January 2025 to $86M by March 2025. In October 2026, the United Kingdom sanctioned Cryptomus over connections to Russian state-linked payment flows, legally barring British entities from commercial engagements and freezing associated assets. The service subsequently experienced reported processing interruptions through its official support channels in October 2026.
Cryptomus provides multi-asset crypto checkout and mass payouts starting at 0.4% fees, but severe regulatory penalties and UK sanctions present substantial counterparty and operational risks.
Established in 2022 and operated by Canada-registered Xeltox Enterprises Ltd., Cryptomus is a cryptocurrency processing suite designed for online businesses. By March 2026, the platform had processed $8.2 billion in aggregate transactions. Its core infrastructure lets merchants generate invoices, set up static wallets, and accept payments across more than 100 cryptocurrencies. Standard merchant gateway commissions start at 2% for new setups and scale down to 0.4% depending on processing volume, with auto-conversion of incoming tokens offered without extra commission.
For operational integration, the service provides an API, PHP SDKs, ready-made e-commerce plugins, and support for mass payouts to thousands of addresses simultaneously. Transfers between internal Cryptomus accounts carry zero commission. Beyond payment processing, the platform incorporates wallet management, trading tools integrated with TradingView with execution fees from 0.04%, and cryptocurrency cards.
The operating entity has faced regulatory and legal actions:
| Processing fee | 0.4% · unverified |
|---|---|
| Settlement | Crypto, Auto-conversion · unverified |
| Coins supported | 100 · unverified |
| Invoicing | Yes · unverified |
| Recurring payments | Yes · unverified |
| Mass payouts | Yes · unverified |
| Business verification (KYB) | Yes · unverified |
| Settle in stablecoins | Yes · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Integrations, Point of sale, Self-hosted option, Merchant countries.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Provides endpoints and webhooks for generating invoices, tracking order statuses, managing refunds, and issuing static deposit addresses.
Converts incoming customer payments into stablecoins or other digital assets at 0% internal conversion commission.
Processes batch withdrawals to thousands of destination addresses using automated API workflows.
Settles payments between Cryptomus personal, business, and merchant wallets with no commission.
Supports custody and balance management across more than 100 cryptocurrencies including Bitcoin, USDT, and Ethereum.
Executes market and limit orders via an integrated TradingView terminal with trading fees down to 0.04%.
Accepts customer transactions in more than 100 cryptocurrencies through invoices, payment links, static wallets, and automated recurring billing.
Provides technical documentation, API keys, PHP SDKs, webhooks, and modules for invoicing, refunds, and automated payment status verification.
Enables businesses to automate bulk cryptocurrency distributions to thousands of external wallet addresses via API integration.
Offers order book execution with TradingView charting and trading fees starting from 0.04%.
Offers cryptocurrency cards for spending crypto.
Provides hosted digital asset storage alongside yield programs across assets like TRX, ETH, and stablecoins.
Cryptomus provides low payment processing fees alongside a single platform that brings together wallets, exchanges, and crypto cards. However, customers report frozen funds during prolonged AML reviews as well as slow response times from support.
“1 month with Cryptomus - it is the best for me so far ​ I joined Cryptomus 1 month ago and so far so good - actually it is the best experience I've had with an all-in-one crypto app.”
“My wallet before vs after discovering low-fee crypto processing Me watching 3-5% of every transaction get eaten by traditional payment processors vs me using Cryptomus for practically pennies.”
“Cryptomuscard Using @Cryptomus has completely changed how I handle crypto payments. ✅ Fast ✅ Easy to use ✅ Super convenient (love the virtual card!) Highly recommend it for anyone doing everyday crypto transactions. \#CryptoLife #DigitalPayments”
“Support Aid I have been a cryptomus community member for quite some time now. I have come to notice that most users mainly complain about one thing, customer support response. The complaints are that support takes much time before responding/solving the customer's issue.”
“Funds blocked, no timeline for investigation Cryptomus blocked my funds. In May 2026, I provided a purchase and sale agreement proving the money is legal.”
“\[SCAM ALERT\] Cryptomus is Stealing My Funds: 10 Days of Illegal Detention & Support Ignoring Evidence I am writing this to warn the entire crypto community.”
Based on 140 Reddit posts and comments from the last 12 months, checked Oct 21, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
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Cryptomus is a cryptocurrency platform founded in 2022 that provides merchant payment gateway services, mass payouts, digital wallets, and trading features.
Cryptomus charges a standard payment gateway fee of 2% for new users, which scales down to 0.4% for higher volume tiers. Conversions of incoming transactions and transfers between Cryptomus wallets carry no commission.
Cryptomus supports over 100 cryptocurrencies, including Bitcoin (BTC), Tether (USDT), Ethereum (ETH), Tron (TRX), and Dai (DAI).
Yes. Canada's FINTRAC issued a penalty of nearly CAD 176 million against parent entity Xeltox Enterprises Ltd. in October 2025 for AML violations, and the United Kingdom sanctioned the platform in October 2026.
Cryptomus introduced KYC requirements in February 2025.
Recent public posts from @cryptomus, shown as published. Not reviewed or endorsed by CryptoReview.
Recent posts from the official Telegram channel @cryptomus, shown as published. Not reviewed or endorsed by CryptoReview.
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