Crypto Payment Option

Overview

A crypto payment option is a selectable checkout choice that allows customers to pay with one or more supported cryptocurrencies, stablecoins, or crypto wallets. The option can open an asset and network selector, wallet connection, payment link, QR code, or provider-hosted checkout. Offering crypto as one option does not imply every asset or network is supported or that settlement remains in cryptocurrency.

Risk review should cover confusing asset choices, unsupported networks, low customer wallet compatibility, poor pricing, fake tokens, conversion failures, and unclear refunds.

Merchants should define eligible customers, assets, networks, wallet methods, fees, quote, expiration, settlement, fallback, and support instructions.

Implementations should link Crypto Payment Option to Crypto Payment Service Provider and Crypto Payment Interface through auditable references. Although the records can share a customer or transaction, Crypto Payment Option retains its own authority, lifecycle, and recovery rules.

For Crypto Payment Option, pricing and asset identity must be reproducible. When Crypto Payment Option interacts with Crypto Payment Service Provider, records should retain the invoice or order, quote currency, pay asset, contract or native-asset identifier, network, decimals, rate source, rate timestamp, requested amount, received amount, fees, and settlement result. In the relationship between Crypto Payment Option and Crypto Payment Interface, this evidence supports customer support, reconciliation, tax reporting, refunds, and investigation of wrong-network or counterfeit-token payments.

For Crypto Payment Option, risk controls should be proportional to payment value and reversibility. When Crypto Payment Option interacts with Crypto Payment Service Provider, useful controls include allowlisted assets and networks, server-generated instructions, authenticated callbacks, independent transaction monitoring, confirmation or finality thresholds, duplicate detection, rate expiry, exception queues, and reviewed manual decisions. In the relationship between Crypto Payment Option and Crypto Payment Interface, merchant fulfillment policy should specify exactly which verified state permits delivery or account credit.