Linking crypto and fiat worlds

CryptoPayX is a crypto payment processing solution for your business, Accept instant payments in +100 cryptocurrencies with seamless fiat settlements.

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Instant crypto deposits

With CryptoPayX, your customers can pay instantly using their preferred cryptocurrency and network — no need to wait for bank confirmation. CryptoPayX converts the crypto to fiat and transfers it directly to your wallet, with a quick notification confirming the completed transaction.

Crypto Wallet

Enable your brand to accept crypto deposits with a dedicated wallet per client. Clients can send any amount in supported cryptocurrencies directly to their personal wallet address—no pre-requested amount needed. Deposits are automatically detected, confirmed, and credited to the client’s balance in real time, delivering a seamless, self-serve experience.

Live demo deposit

Real use case of Instant deposit flow using dedicated client wallet as used by one of our partners

Payment link

Enables users to generate payment links easily and quickly. Active for 5 days after generation.

How to Generate:
• Click Create a Payment Link. Button location
• After filling fields → Continue
• Sender: Choose the coin and network to send and receive live quote.
Quote Validity:
Limited time after coin/network selection. If expired → click Request a new quote (same link, refreshed quote).
Status Tracking:
Real-time deposit status in Cryptopayx dashboard.

Deposit thresholds calculation

Purpose: Ensure correct deposit amount.

Merchant can set:
• Percentage threshold (e.g., 10% deviation).
• Absolute threshold (e.g., $10 max difference).

Example:
• Thresholds = 10% and $10 → max deviation from original deposit:
Up to 10% but not more than $10.

Helps maintain accuracy and prevent discrepancies.

Account settings

Pay-in Settings:
• Wallet options:
• Unique wallet per payment OR single address per coin/network.

Convert rules:
• Convert to Fiat automatically
• Convert to predefined account currency (e.g., stablecoin).

Exceptions:
• Choose coins not to convert (e.g., USDT).
• Option to keep all crypto without converting.

Pay-out Settings:
• Use available crypto balance for payouts.
• If insufficient:
Define default currency to convert from; by default we will use account currency.

Instant crypto withdrawals

You can withdraw fiat currency from your account by converting it to the cryptocurrency of your choice and sending it via the chosen network to your digital wallet.

Fast and secure refunds

CryptoPayX enables secure refund processing for businesses and merchants. If a refund is required, it is executed directly in the original crypto currency, ensuring transparency and consistency. All refunds are processed through the merchant's dashboard, maintaining full control and traceability over every transaction.

Auto Top-Up Requests

CryptoPayX automatically detects when a customer sends less than the required payment amount — a common issue in e-commerce due to crypto price fluctuations or manual input errors. When this happens, the system instantly sends a follow-up payment request to the customer for the remaining balance.

Prevents failed transactions from insufficient payments
Streamlines the checkout process for crypto buyers
Ideal for e-commerce platforms and digital services

Fiat settlements

CryptoPayX enables you to easily withdraw fiat currency through bank transfer. Once your setup is complete, you'll receive prompt settlements in EUR, USD, GBP and more directly to your bank account. XBO.com corporate clients can easily access the details for any transactions processed through CryptoPayX via dedicated dashboard, ensuring transparency and full manual handling over your operations.

Why XBO Pay?

Easy integration & onboarding

Start accepting crypto payments and receiving settlements in your preferred currency in no time. Our team will ensure top speed and efficiency during the integration and onboarding processes.

Seamless compatibility

CryptoPayX is compatible with all crypto wallets, allowing you to accept instant payments in +100 cryptocurrencies from anyone who owns crypto.

Bank-grade security

CryptoPayX ensures complete security of your data, assets, and transactions by adhering to the latest industry standards and utilizing top-tier technological solutions. For more information visit our Security Page.

Dedicated support

Our team of crypto experts is always available to support you, answering your questions and resolving any potential issues as quickly as possible.