Crypto payment rails merchants can integrate and reconcile.
BitAzure builds payment gateways and merchant tooling for accepting crypto and stablecoins: hosted checkout, payment links, chain watchers with finality rules, automated settlement, invoicing, refunds and the reconciliation reports finance teams need.
- Merchant API, hosted checkout, payment links and QR payments
- Stablecoin and multi-chain support with automatic settlement
- Invoices, refunds, webhooks and reconciliation tooling
- Fiat off-ramp integration through licensed partners
What is a crypto payment solution?
A crypto payment solution is the software that lets a business accept cryptocurrency or stablecoins for goods and services: generating payment requests, detecting and confirming on-chain transfers, settling funds to the merchant and reconciling every payment against orders and invoices. It typically exposes a merchant API, hosted checkout, webhooks and a dashboard.
BitAzure builds payment gateways and merchant tooling for e-commerce platforms, SaaS providers, marketplaces and payment companies. The system covers address generation and payment orchestration, chain watchers that confirm transfers with configurable finality, sweeping and settlement to treasury or merchant wallets, and integrations with licensed partners for conversion to fiat.
Payments are held to accounting standards: every payment has a state machine, every state change emits a webhook and an audit record, and reconciliation reports tie on-chain movements to invoices, refunds and settlements without manual spreadsheets.
Crypto payment development services
From a single hosted checkout to a white-label gateway serving many merchants, delivered with the back-office tooling to operate it.
Payment Gateway
- Hosted checkout with quote lock and expiry
- Payment links and QR payments for remote and in-person sales
- Per-payment deposit addresses or payment IDs with memo support
- Underpayment, overpayment and late-payment handling
- Multi-currency pricing with exchange-rate quotes
Merchant API & Integration
- REST merchant API with idempotent payment creation
- Signed webhooks for every payment state change
- E-commerce platform plugins and SDKs
- Wallet integration at checkout: WalletConnect, injected and mobile deep links
- Sandbox environment with testnet payments
Chains & Assets
- Stablecoin payments in USD and EUR denominated tokens
- Multi-chain support across EVM networks, Solana, Bitcoin and Lightning
- Native asset and ERC-20 or SPL token acceptance
- Configurable confirmation depth per chain
- Gas management for sweeping and refunds
Settlement & Treasury
- Automatic sweeping from deposit addresses to treasury
- Settlement schedules in crypto or stablecoin
- Fiat off-ramp integration through licensed partners
- Merchant payout wallets with approval workflows
- Treasury balance and exposure reporting
Invoicing, Refunds & Reconciliation
- Invoice system with line items, taxes and due dates
- Refunds to originating or verified addresses
- Payment reconciliation against orders, invoices and settlements
- Exportable ledgers for accounting systems
- Case handling for disputed payments
Monitoring & Compliance
- Transaction monitoring with address-screening integration
- Risk scoring and hold rules for flagged payments
- Merchant dashboard with real-time payment status
- Alerting on watcher lag, failed sweeps and stuck transactions
- Audit logs and retention policies
Reference payment gateway architecture
Merchants create payments through the API or hosted checkout. Orchestration owns the payment state machine, chain watchers confirm transfers with per-chain finality rules, and settlement sweeps funds to treasury or off-ramp partners. Reconciliation and the dashboard give merchants and finance teams one view of every payment.
Hover or focus a component to see its role in the architecture.
- Merchant Site / App (Plugins · SDK): Creates payments and invoices; receives webhooks on every state change.
- Customer Wallet (Mobile · browser): Pays from a self-custody or exchange wallet via QR, link or wallet connection.
- Merchant API (Payments · invoices): Idempotent REST API with scoped keys, rate limits and signed webhooks.
- Hosted Checkout (Links · QR · quotes): Payment pages with locked quotes, expiry timers and wallet connection.
- Payment Orchestration (State machine · rates): Owns payment lifecycle, address assignment, rate quotes and under/overpayment rules.
- Chain Watchers (Confirmations · reorgs): Monitor deposit addresses per chain, count confirmations and detect reorganisations.
- Blockchains (EVM · Solana · Bitcoin): Networks and stablecoin contracts on which customers pay.
- Sweeping & Settlement (Treasury · off-ramp partners): Sweeps confirmed funds to treasury and executes crypto or partner-based fiat settlement.
- Reconciliation (Ledger · reports): Matches on-chain movements to payments, invoices, refunds and settlements.
- Dashboard & Webhooks (Merchant reporting): Payment status, exports and notification delivery with retries.
Merchant edge
- Merchant API & SDKs
- Hosted checkout
- Payment links & QR
Orchestration
- Payment state machine
- Rate quotes & expiry
- Invoices & refunds
Chain layer
- Address generation
- Chain watchers
- Sweeping & gas
Back office
- Settlement & off-ramp
- Reconciliation
- Monitoring & webhooks
Where crypto payment solutions are used
E-commerce checkout
Stablecoin and crypto acceptance in existing carts with plugins and hosted checkout.
SaaS and subscription billing
Recurring invoices with reminders, grace periods and automatic reconciliation.
Marketplaces and platforms
Split settlement to multiple sellers with platform fees and payout schedules.
In-person and QR payments
Point-of-sale flows with QR codes, quote locks and instant confirmation feedback.
Cross-border B2B payments
Stablecoin invoicing between businesses with settlement records for both parties.
Payment service providers
White-label gateways offered to merchants under the provider brand.
Why businesses build payment rails with BitAzure
Accounting-grade records
Every payment, refund and settlement is reconciled and exportable.
Multi-chain from the start
New chains and tokens are added through configuration and watcher modules.
Predictable settlement
Sweeping and settlement schedules are automated with approval steps where needed.
Merchant-friendly integration
Idempotent API, signed webhooks, sandbox and plugins reduce integration effort.
Controlled custody
Deposit keys, sweeping and payouts follow a documented custody model with HSM or MPC options.
Compliance hooks
Address screening, hold rules and audit logs integrate with your compliance programme.
Technologies we use for payment solutions
Node.js
BackendEvent-driven APIs, gateways and real-time WebSocket services.
Go
BackendConcurrent network services, relayers and infrastructure daemons.
TypeScript
FrontendStrict typing across the entire stack, client to contracts tooling.
React
FrontendComponent-driven UIs for dashboards, exchanges and wallets.
PostgreSQL
DatabaseTransactional ledgers, ledgers-of-record and analytical workloads.
Redis
DatabaseCaching, sessions, rate limiting, pub/sub and order-book snapshots.
Kafka
DatabaseDurable event streaming between engines and services.
EVM
BlockchainEthereum, BNB Chain, Polygon, Arbitrum, Optimism, Base, Avalanche.
Solana
BlockchainRust programs with Anchor, SPL tokens and high-throughput dApps.
Bitcoin
BlockchainUTXO wallets, PSBT signing, Lightning integrations.
Kubernetes
InfrastructureAutoscaling, rolling deployments and workload isolation.
AWS
InfrastructureEKS, RDS, KMS, CloudHSM and multi-region deployments.
How we deliver payment gateways
Every engagement follows a documented, milestone-driven path from discovery to continuous development.
- 01
Payment flow design
Supported assets, chains, settlement preferences and custody model are agreed with finance and compliance.
- 02
API and checkout specification
Payment objects, state machine, webhook events and checkout UX are specified with your integrators.
- 03
Chain layer build
Address derivation, watchers, sweeping and gas management are built per chain with testnet validation.
- 04
Settlement and reconciliation
Treasury flows, off-ramp partner integration and reconciliation reports are implemented.
- 05
Merchant tooling
Dashboard, invoicing, refunds and plugins are delivered with sandbox access.
- 06
Launch and operations
Production keys, monitoring and support procedures are set up, followed by ongoing chain and feature additions.
Security practices in payment systems
Key management
Deposit and treasury keys in HSM or MPC with sweeping policies and withdrawal approvals.
Webhook authenticity
Signed payloads with timestamps and replay protection for every merchant notification.
Finality handling
Chain-specific confirmation depth and reorg detection before a payment is marked complete.
Refund safeguards
Refunds only to verified addresses, with limits and approvals for large amounts.
Merchant access control
Role-based dashboard permissions, API-key scoping and IP allow-lists.
Screening and monitoring
Address screening at payment time and continuous monitoring of flagged funds.
We coordinate independent third-party audits on request and never claim an audit, certification or compliance status unless it has actually been obtained.
What to decide before accepting crypto payments
Custodial vs non-custodial
Holding funds even briefly may trigger licensing; direct-to-merchant designs avoid it but limit features.
Volatility handling
Quote locks, stablecoin settlement or immediate conversion each shift risk differently.
Fee economics
Network fees on some chains can exceed small payments; chain and token selection matter.
Off-ramp partner dependence
Fiat conversion depends on partner coverage, limits and KYC requirements per jurisdiction.
Underpayment policy
Decide up front how partial payments, late payments and wrong-token deposits are handled.
Tax and reporting
Merchants need records in fiat terms at payment time; the ledger must capture rates and timestamps.
Crypto Payment Solutions questions
Through a REST merchant API, hosted checkout pages, payment links or platform plugins. Payment status is delivered by signed webhooks and is visible in the dashboard.
Adding crypto payments to your product?
Tell us which assets, chains and settlement options you need. We will propose a gateway design and an integration plan.