What it is1pay.cx is a payment processor for online stores and services that want to be paid in crypto, including from customers who do not own any. A buyer pays by card, Apple Pay, Google Pay, Cash App or crypto on one checkout page. The merchant receives crypto, in the coin they choose.
What a buyer can pay with- Visa and Mastercard, Apple Pay, Google Pay (availability depends on the buyer's country; conversion is best for US buyers today)
- Cash App
- Bitcoin, Litecoin, Monero, TRX
- USDC and USDT on Polygon, BNB Smart Chain, Arbitrum and TRON; USDC on Base
What a merchant gets- Self-serve signup with no company documents or underwriting queue up front
- Payouts in crypto to your own address, in the coin you choose (given adequate reserves), after each payment confirms
- No setup fee, no monthly fee, no rolling reserve
- Payment links, hosted checkout, REST API with signed webhooks, test mode
- Free plugins: WooCommerce, WordPress, WHMCS, PrestaShop, OpenCart, and a Shopify connection
- A public status page with 90-day uptime per component
Fees- 1% flat on crypto payments. Nothing else.
- 2.9% on card, Apple Pay, Google Pay and Cash App payments, plus the card processor's own 1-5% depending on the method. That is about 4-8% in total. We show the full figure because the 2.9% alone would be misleading.
- No setup fee. No monthly fee.
Frequently asked questionsIs it custodial?Partly. Funds are held only to convert and forward. Card payments are converted and sent to your wallet. Crypto payments are credited to a balance that you withdraw to your own address, or forward automatically. We are not a wallet service and we do not ask you to keep money with us.
Is there KYC?We do not ask for company documents at signup. Card payments are processed by licensed payment partners, who perform identity and compliance checks on the card buyer where required. We may ask a merchant for verification before releasing a withdrawal if a payment is disputed or flagged.
What about chargebacks?Card payments are settled to you in crypto and are not clawed back from you later.
What is not allowed?We have a zero tolerance policy for any fraud or scams attempting to utilize 1pay.cx as a rail. Our acceptable use policy is public and we do suspend accounts:
1pay.cx/acceptable-useHow long have you been running?Merchants have been processing live payments since August 2026. We are a small team but working hard daily to help merchants and PSPs scale online.
For developers- REST API with a quickstart and an OpenAPI 3.1 description
- Signed webhooks, idempotency keys, test mode with test keys
- White label: run your own branded checkout on our API (details)
Partner programRefer a merchant and earn
25% of our fee on everything they process, for as long as they process. The share rises to
35% and
50% with referred volume, and it never raises the merchant's rate. Details:
1pay.cx/affiliate
