frequently
asked questions
1.
What are the benefits of accepting crypto payments for businesses?
Crypto payments offer faster settlement, lower processing costs, and global reach without intermediaries. They also remove chargebacks and give businesses more control and visibility over their payment flows.
2.
What payment methods does Pay.io offer?
Crypto payments and fiat on/off-ramp via local payment methods, bank transfers, Debit/Credit Cards, Apple Pay, Google Pay and more — options vary by region.
3.
Which currencies and networks do you support?
Major assets like BTC, ETH, USDT, USDC, SOL, DAI, CELO and TON across multiple chains, configurable per merchant. Full list: Supported assets & networks.
4.
What types of businesses can use Pay.io?
Any — iGaming, e-commerce, accounting, invoicing, and more.
5.
What's the difference between a hot wallet and a treasury wallet?
Hot wallets hold operational funds for fast daily deposits and payouts; treasury wallets keep the rest under your own keys. Sweep surplus from hot to treasury — liquidity when you need it, control over everything else.
6.
Do you run AML checks?
Yes — on both transactions and wallets, with our licensed providers applying their own checks too. Monitoring happens at both layers.
7.
Do I need to verify my business?
Yes — merchants complete a one-time KYB (Know Your Business) check during onboarding to unlock full features like treasury management and withdrawals.
8.
How is crypto vs fiat priced?
Crypto and fiat rails are priced separately, so you only pay for the rails you use.
9.
How are fees collected?
Fees are deducted automatically from transactions (depending on your setup) — no invoices, no manual billing.