What is a crypto payment gateway?

A crypto payment gateway lets a business accept cryptocurrency from customers and receive settlement in crypto or fiat. XEROF provides this as a regulated settlement service rather than a checkout plugin: you receive into your own segregated wallet, and XEROF converts and settles to your bank account on your instruction.

Which cryptocurrencies can I accept?

USDC, USDT, Bitcoin, Ethereum and Solana. Most businesses invoice in USDC or USDT so the amount received is not exposed to price movement between payment and conversion.

Can I get a dedicated IBAN alongside it?

Yes. Company accounts can receive a dedicated virtual IBAN in the company name, issued through our banking partner at no charge, so fiat proceeds land on an account that is in your own name rather than a shared one.

How long does settlement take?

The crypto payment is confirmed on-chain within minutes. Fiat settlement follows the timing of the rail chosen, typically the same business day over SEPA or Faster Payments and one to two business days over SWIFT.

Is this suitable for high-value or one-off payments?

Yes. The service is used for invoices, real estate completions, luxury goods and professional fees where the payer holds cryptoassets and the recipient wants fiat. Each payment is screened individually.

What is a crypto to fiat payment gateway?

It is a service that lets customers pay in cryptocurrency while the business receives fiat. With XEROF, payments arrive in a segregated wallet in your company's name and you convert to USD, EUR, GBP or CHF in XEROF Online, with the fiat paid to your own bank account.

Does XEROF have a crypto payment API?

Yes. XEROF provides a REST API for crypto payment integration with your own systems. The same account and segregated wallet are also available in XEROF Online, where you execute conversions at the live rate.

Can my business accept Ethereum payments?

Yes. Customers send ETH to your segregated XEROF wallet. You can hold it or convert it to fiat in XEROF Online and receive USD, EUR, GBP or CHF on your own bank account.

Is XEROF regulated to do this?

FE Swiss Financial AG, dba as XEROF, is a financial intermediary under the Swiss AMLA, regulated through its membership of VQF (No. 100954), a self-regulatory organisation supervised by FINMA. Payment services are one of our three regulated activities.

Payments

Crypto payments for business: accept crypto, get paid in fiat

Receive Bitcoin, Ethereum, Solana, USDC and USDT from customers into your own segregated wallet, then convert and settle to your bank account in CHF, EUR, USD or GBP. Regulated under the Swiss AMLA, VQF No. 100954.

What a crypto payment gateway looks like when it is regulated

XEROF is not a checkout plugin. It is the regulated settlement layer behind the payment: a wallet in your name to receive, screening of every payer under Swiss anti-money-laundering law, conversion at an institutional rate passed through at cost, and fiat to your bank account with the same invoice reference. Businesses use it for invoices, high-value one-off payments and recurring receipts from customers who hold cryptoassets.

Your own receiving wallet

A segregated on-chain wallet in your name. Customers and counterparties pay USDC, USDT, BTC, ETH or SOL to your address, not to a pooled account.

Conversion on your instruction

Hold what you receive, or convert to CHF, EUR, USD or GBP at the institutional rate passed through at cost, with our fee on its own line.

Fiat to your bank account

Proceeds settle to a bank account in your company name over SEPA, SWIFT, Fedwire, CHAPS or Faster Payments. Fiat can also land on a dedicated IBAN.

Swiss AML compliance

Every inbound payment is screened and every counterparty is identified under the Swiss Anti-Money Laundering Act. VQF membership No. 100954, supervised by FINMA.

Invoice-level references

Each receipt and conversion carries a reference you set, so reconciliation against your invoices is straightforward for finance and audit.

Cross-border by default

A stablecoin payment from a customer abroad arrives in minutes and settles as a domestic bank transfer, with no correspondent banking chain.

How accepting crypto payments works

Four steps from account opening to fiat in your bank account.

1
Open a company account
Identity verification for the company and its authorised persons, completed online. Typically 3 to 5 business days, no onboarding fee.
2
Share your payment details
Give your customer the wallet address for the asset and network agreed, together with your invoice reference.
3
Payment arrives and is screened
The transfer is confirmed on-chain, screened and credited to your segregated wallet. You see it in your account immediately.
4
Convert and settle
Instruct a conversion to fiat, or hold the stablecoins. Fiat leaves to your named bank account with the same reference.

Crypto payment gateway vs card gateway

XEROFCard gateway

Settlement to your bankSame or next business day after conversion3 to 5 business days

ChargebacksNone. On-chain payments are finalDisputes and reversals up to 120 days

FeesVolume-based fee on the conversion, published in fullPercentage plus fixed fee per transaction

Counterparty screeningEvery payer identified under Swiss AMLACard-scheme rules

Cross-borderOne stablecoin transfer, no correspondent chainFX margins and intermediary banks

Conversion fees follow the volume bands on the pricing page. The on/off ramp handles the conversion leg and a dedicated IBAN receives EUR proceeds in your company name.

Crypto to fiat payment gateway

A crypto to fiat payment gateway lets your customers pay in cryptocurrency while your business receives fiat. With XEROF, customers pay BTC, ETH, SOL, USDT or USDC into a segregated wallet in your company's name, and you convert to USD, EUR, GBP or CHF and receive it on your own bank account.

You execute each conversion yourself in XEROF Online at the live rate from tier 1 liquidity, passed through at cost, with the XEROF fee shown on its own line. Fiat leaves over Fedwire, RTP, ACH or SWIFT for USD, SEPA or SWIFT for EUR, Faster Payments, CHAPS or SWIFT for GBP and SWIFT for CHF. Fees are listed on the pricing page.

Crypto payment integration (API)

For crypto payment integration, XEROF provides a REST API so your own systems can work with the same account and segregated wallet you use in XEROF Online. Businesses that do not need an integration can run everything in XEROF Online.

The API documentation describes the available endpoints. Receiving, conversion and settlement follow the same steps as above, whichever way you connect.

Ethereum payment processing

To accept Ethereum payments, give your customer the address of your segregated XEROF wallet: the ETH arrives on-chain in your company's name, not in a pooled account. You can hold it, or convert it to USD, EUR, GBP or CHF in XEROF Online and receive the fiat on your own bank account.

Many businesses ask customers to pay in USDT or USDC instead, so the amount received does not move with the ETH price between payment and conversion. The on/off ramp covers the conversion leg in detail.

Accepting crypto payments: common questions

What is a crypto payment gateway?: A crypto payment gateway lets a business accept cryptocurrency from customers and receive settlement in crypto or fiat. XEROF provides this as a regulated settlement service rather than a checkout plugin: you receive into your own segregated wallet, and XEROF converts and settles to your bank account on your instruction.
Which cryptocurrencies can I accept?: USDC, USDT, Bitcoin, Ethereum and Solana. Most businesses invoice in USDC or USDT so the amount received is not exposed to price movement between payment and conversion.
Can I get a dedicated IBAN alongside it?: Yes. Company accounts can receive a dedicated virtual IBAN in the company name, issued through our banking partner at no charge, so fiat proceeds land on an account that is in your own name rather than a shared one.
How long does settlement take?: The crypto payment is confirmed on-chain within minutes. Fiat settlement follows the timing of the rail chosen, typically the same business day over SEPA or Faster Payments and one to two business days over SWIFT.
Is this suitable for high-value or one-off payments?: Yes. The service is used for invoices, real estate completions, luxury goods and professional fees where the payer holds cryptoassets and the recipient wants fiat. Each payment is screened individually.
What is a crypto to fiat payment gateway?: It is a service that lets customers pay in cryptocurrency while the business receives fiat. With XEROF, payments arrive in a segregated wallet in your company's name and you convert to USD, EUR, GBP or CHF in XEROF Online, with the fiat paid to your own bank account.
Does XEROF have a crypto payment API?: Yes. XEROF provides a REST API for crypto payment integration with your own systems. The same account and segregated wallet are also available in XEROF Online, where you execute conversions at the live rate.
Can my business accept Ethereum payments?: Yes. Customers send ETH to your segregated XEROF wallet. You can hold it or convert it to fiat in XEROF Online and receive USD, EUR, GBP or CHF on your own bank account.
Is XEROF regulated to do this?: FE Swiss Financial AG, dba as XEROF, is a financial intermediary under the Swiss AMLA, regulated through its membership of VQF (No. 100954), a self-regulatory organisation supervised by FINMA. Payment services are one of our three regulated activities.

Start accepting crypto payments through a Swiss regulated counterparty. Open a company account and your wallet is ready at the end of onboarding.

Talk to our team Open account