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Crypto processing and crypto acquiring for business

Crypto processing and crypto payment acceptance for business

Waltix is a cryptocurrency payment system and payment gateway for websites, apps and online services. Accept payments in USDT, BTC and other supported cryptocurrencies, issue invoices, automate withdrawals and receive operation statuses through a single API.

Integration takes hours, not weeks.

Open accountExplore the API
8
currencies
7
networks
99.9%
API uptime

Balance

$48 920.50

executed
USDT

USDT

BEP20

+5 500.00
BNB

BNB

BEP20

+12.4081
BTC

BTC

Bitcoin

−0.0240
Webhook delivered
200 OK · 180ms

AML risk score

low · 12 / 100

Accept crypto payments without processing transactions by hand

Waltix helps businesses accept cryptocurrency payments on a website, in an app or inside an internal payment system. The platform combines crypto processing, a crypto wallet, invoices, withdrawals, AML checks and transaction notifications.

Instead of monitoring the blockchain yourself, you get ready-made infrastructure: the system creates an address or a payment invoice, detects the incoming funds, checks the transaction and delivers the result to your service via webhook.

Waltix suits companies that need to accept payments in cryptocurrency, work with USDT across several networks and automate settlements with customers, partners or users.

Crypto processing

What is crypto processing

Crypto processing is the technical infrastructure for automatically accepting, handling and sending payments in digital currencies. It connects a business website or application to blockchain networks and processes crypto payments with the logic of a regular payment system.

Waltix crypto processing controls the full lifecycle of an operation: creating a payment address, detecting the transfer on-chain, waiting for confirmations, running the AML check, crediting the funds and delivering the final status to the merchant system.

This model is also called crypto acquiring or a cryptocurrency payment gateway. It lets you accept cryptocurrency on your website without building your own blockchain scanner and a separate transaction monitoring system.

Features

The full crypto payment cycle in one service

From creating an address to withdrawing or converting funds — the core operations are available through a single API with clear statuses and automatic event delivery.

Cryptocurrency payment acceptance

Create permanent addresses for your users or dedicated addresses for specific operations. The blockchain scanner detects the transfer and credits the funds to your balance automatically.

Accepting crypto on your website

Integrate crypto acquiring into an online store, a SaaS platform, a customer account or any other online service. A payment can be linked to an order, a user or an internal operation in your system.

Cryptocurrency invoices

Issue an invoice with an amount in fiat or crypto, an expiry date and a dedicated payment link. Invoice statuses update in real time: active, executed or expired.

USDT payment acceptance

Accept USDT on supported networks and track incoming funds automatically. A symbol is always bound to a specific network, which removes any ambiguity when creating an address or an invoice.

Withdrawals via API

Automate sending crypto to customers, users, contractors or partners. A withdrawal is created via the API to a given address, and its status can be tracked in the system.

Crypto wallet for business

Manage supported currencies, balances, deposits and withdrawals in a single account. Operation history and current statuses are available through the API.

AML transaction checks

Incoming deposits are scored automatically. The system assigns a risk level and a risk score to the transaction and flags risky incoming funds for additional review.

Webhooks and notifications

Receive a signed POST request when a payment arrives, a withdrawal completes or an invoice changes status. If your server does not respond successfully, Waltix retries the delivery automatically.

Swap and conversion

Use the available exchange operations inside the payment infrastructure. Current directions, minimum amounts and fees are returned through the API.

Currencies and networks

Accept USDT, BTC and other cryptocurrencies

Waltix supports the main digital currencies and popular blockchain networks for accepting and sending payments.

USDT is available on

  • USDT TRC20
  • USDT BEP20
  • USDT ERC20
  • USDT TON

Other supported assets

  • BTC
  • ETH
  • BNB
  • TRX
  • LTC
  • XMR

The platform also supports operations with BTC, ETH, BNB, TRX, LTC, XMR and other available symbols.

The full up-to-date list of currencies and networks is available from the endpoint:

GET /symbol/

Every symbol is bound to a specific network. When integrating, specify not just USDT but the exact network symbol: USDT TRC20, USDT BEP20, USDT ERC20 or USDT TON.

Live exchange rates

Getting started

How to start accepting cryptocurrency payments

01

Create an address or a payment invoice

Use POST /user/address/ to get a permanent address for a user, or POST /invoice/ to create a cryptocurrency invoice with an amount and an expiry date. When creating the operation, provide the callback_url the system should send notifications to.

02

The customer sends cryptocurrency

The payer sends USDT, BTC or another supported cryptocurrency to the issued address. Waltix monitors the blockchain, detects the incoming funds and starts the AML check.

03

Your service receives the result

Once the operation completes, a signed webhook with the executed status arrives at your callback_url. The funds appear on your balance and become available for withdrawal or conversion.

Use cases

Crypto payments for websites, SaaS and B2B services

Waltix can be embedded into your existing business infrastructure without changing the core logic of your product.

Online stores and marketplaces

Add cryptocurrency payments for goods or services. Link an invoice to an order number and update its status automatically once the payment is confirmed.

SaaS and digital services

Accept payments for software access, digital products, subscription plans and additional service features.

Online platforms

Create dedicated addresses for your users, track balance top-ups and trigger internal operations automatically once the webhook arrives.

B2B projects

Use crypto payments for settlements with customers and partners. The API lets you embed digital currency operations into your accounting or payment system.

International online services

Offer customers an additional payment method that is not tied to bank cards of a specific country. Actual availability of the service must comply with the requirements of your jurisdiction and your internal policies.

Automated payouts

Create withdrawals to cryptocurrency addresses via the API and track the status of every operation without sending funds manually from an external wallet.

For developers

API for accepting crypto payments and managing operations

Waltix provides a REST API for automating payment scenarios. Predictable statuses, HMAC-SHA256 signing and signed webhooks make integration with a website, an app or an internal system straightforward.

  • POST/user/address/
  • POST/invoice/
  • POST/user/balance/withdrawal/
  • GET/user/transaction/
  • GET/setting/fees/
  • GET/symbol/

Request examples in Python, PHP and cURL are available in the documentation.

View API documentation
import hashlib, hmac, json, time

def sign(key: str, ts: int, data: dict) -> str:
    s = json.dumps(data, separators=(",", ":"), sort_keys=True)
    return hmac.new(key.encode(), f"{ts}{s}".encode(),
                    hashlib.sha256).hexdigest()

data = {"params": "", "body": {"symbol_id": "USDTBEP20"},
        "path": "/api/user/address/"}
ts = int(time.time())
signature = sign(API_KEY_SECRET, ts, data)

Timestamp within ±15 seconds · rate limit 5 req/s

Fees

Transparent fees for accepting and withdrawing crypto

Waltix rates can take into account the currency, the network, the operation type and individual account settings. Current parameters are available through the API, so they can be applied automatically in your interface or internal logic.

Payment acceptance

Accepting payments

  • Fixed and percentage fee per symbol
  • Separate parameters for API key operations
  • Configurable minimum deposit amount
Withdrawals

Sending funds

  • The fee is added on top of the withdrawal amount
  • For BTC you can choose the block inclusion priority
  • Separate rates apply to withdrawals via the API
Exchange

Swap and conversion

  • Fixed and percentage fee
  • Minimum amounts for the source and target currency
  • Available limits and exchange directions

Exact values are returned by the endpoint GET /setting/fees/

Security & compliance

Secure crypto acquiring and AML payment checks

Protection mechanisms are built directly into the Waltix payment protocol.

HMAC-SHA256 signature

Every API request is signed with a secret key and a timestamp. The allowed time window protects the system from replaying previously sent requests.

IP allowlist

After the first successful request the IP address is added to the trusted list. Subsequent requests are accepted only from allowed addresses.

AML scoring

Incoming transactions receive a risk level and a numeric risk score. High-risk operations are flagged by the system and may be blocked.

Signed webhooks

Payment and withdrawal notifications can be verified before processing so that a forged event is impossible.

Event redelivery

If your server responds unsuccessfully, the webhook is sent again. The current status of an operation can also be requested at any time through the transaction API.

Blog

Making sense of crypto payments

Guides on integration, network choice, fees and AML — no fluff, no marketing.

All articles

FAQ

Frequently asked questions about crypto payments

Crypto processing is a service for automatically accepting, handling and sending payments in cryptocurrency. It tracks blockchain transactions, records statuses and delivers the information to your business system via API or webhooks.

Register a Waltix account, get an API key and integrate the creation of addresses or invoices. Once the payment is made, the system detects the transfer and sends the result to the callback_url you provided.

When creating an address or an invoice, specify the USDT symbol with the required network: TRC20, BEP20, ERC20 or TON. The customer sends the funds to the issued address, and Waltix records the incoming payment.

Regular acquiring processes bank card payments through banking infrastructure. Crypto acquiring works with blockchain transactions and lets you accept BTC, USDT and other digital currencies.

Yes. An invoice can contain an amount in fiat or crypto, a payment deadline and a dedicated link for the payer. Its status is updated automatically.

Waltix supports 8 currencies across 7 networks. USDT is available on BEP20, TRC20, ERC20 and TON. The current list should be fetched via GET /symbol/. Specify a symbol bound to a network — virtual symbols such as USDT without a network are not accepted.

Incoming deposits go through an automatic AML check. The system determines the risk level and assigns a risk score to the operation.

Once the operation is confirmed, Waltix sends a signed webhook to your callback_url. The status can also be requested through the transaction API.

Yes. A withdrawal to a given address can be created via the API. The fee, the status and other parameters of the operation are available programmatically.

Fees, minimum amounts and available limits are returned through GET /setting/fees/.

The basic scenario covers creating an API key, requesting an address or an invoice and configuring a webhook. With server infrastructure already in place, the first payment can be accepted within one business day.

Every request is signed with HMAC-SHA256 based on the API secret and a Unix timestamp. The signing object contains params, body and path, serialized with sorted keys. The timestamp must be within ±15 seconds of the server time.

When using an API key, OTP is not required — the withdrawal_via_api rates apply. For withdrawals from the account without an API key, a totp_code from email is required (valid for 10 minutes).

If your server responds with an error, the webhook is retried automatically. If the server has already responded 2xx, the retry on transition to executed is not sent. The current status is always available via GET /user/transaction/.

Referral program

Bring in business and earn up to 30% of the fee

Share Waltix with partners and get a share of the fee from every operation they make — on an ongoing basis, with no cap.

  • Lifetime earnings from your referrals' operations
  • Transparent real-time statistics
  • Payouts in crypto to your account balance
Become a partner

Your reward

30%

of your referrals' fees

Share your link

Invite businesses

Earn up to 30%

Start accepting crypto payments today

Create an account, get an API key and add cryptocurrency payments to your website, your app or your internal payment system.

Accept USDT and other supported currencies, issue invoices, automate withdrawals and receive operation statuses through a single API.

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