Cryptopayments for Business: How to Accept USDT and Bitcoin via Cryptoway — A Complete Breakdown
Stablecoins have firmly established themselves in the niche of practical cryptocurrency applications. According to analytics, the adjusted settlement volume in stablecoins for 2025 reached $28 trillion, with an average annual growth rate of 133% since 2023. The B2B payments segment is particularly impressive, showing a 733% increase year-over-year. These are not just numbers—they signal that businesses are actively transitioning to cryptocurrency settlements, but along with this, infrastructure requirements are also growing.
The problem is that a simple crypto wallet does not provide businesses with key information: who paid for the order, which product the funds were received for, and which network the transaction went through. This gap between fund transfers and payment accounting is bridged by crypto processing services. One of them is Cryptoway. The platform accepts payments in Bitcoin, USDT, and other cryptocurrencies with a fee starting from 0.3%, linking each transfer to a specific order and customer.
Costs of Traditional Acquiring
Traditional acquiring costs businesses 2.9–3.49% plus a fixed transaction fee. Additional expenses arise from chargebacks, where the merchant risks losing both the transaction amount and the fee. Crypto payments operate on a different model: processing fees are typically less than one percent, the cost of a blockchain transfer does not depend on the amount, and once a transaction is confirmed, it cannot be reversed. This eliminates chargebacks and associated fraud.
When a Wallet Stops Being Enough
As the number of transactions grows, manual payment processing becomes inefficient. One user selects the wrong network, another sends an incorrect amount, and a third submits a screenshot instead of a transaction ID. Support spends hours figuring out which payment belongs to whom, while accounting manually reconciles incoming funds. Crypto processing links a blockchain transaction to a company's internal processes: it matches payments to orders, maintains records, and automates subsequent actions.
Cryptoway: Infrastructure for Accepting Crypto Payments
Cryptoway is a B2B platform that combines crypto accounts, payment links, API, automatic conversion, mass payouts, and a branded interface. The service supports Bitcoin, Ethereum, USDT (Ethereum, TRON, and TON), BNB, Litecoin, Gram, and TRX. Plans include adding USDC, Solana, XRP, Cardano, Dogecoin, and Polygon. Funds are stored in cold wallets with a multi-level access system, ensuring a high level of security.
Payment Links and Crypto Accounts
For businesses that want to test crypto payments without integration, payment links are ideal. The company generates an invoice, sends a link to the customer, and the customer pays via a separate page. Even before the funds arrive, the payment receives context: amount, currency, network, and description. This is more convenient than sending a wallet address in correspondence.
API for Website, Personal Account, and SaaS
As transaction volume grows, integrating payment infrastructure directly into the product becomes necessary. Cryptoway's API allows automating subsequent actions after payment: a SaaS service grants user access, a Telegram bot activates a subscription, and a marketplace updates the order status. Without an API, the team has to manually check transfers and match them to orders.
Accepting USDT, Auto-Conversion, and Mass Payouts
Accepting USDT is one of the most popular scenarios. However, stablecoins do not eliminate operational tasks: it is important to correctly specify the network, provide clear payment instructions, and handle errors. For companies that do not want to hold funds in the currency the customer paid with, auto-conversion is available. And for outgoing payments, mass payouts allow sending funds to multiple recipients at once.
White-Label: Crypto Payments Under the Company's Brand
White-label is not just about customizing the appearance of the payment page; it is a tool for controlling the customer journey. A branded payment page helps maintain customer trust and makes the payment process clearer. The user should not feel like they have left the product during payment.
Security, AML, and Verification
Cryptoway checks incoming payments in real-time through AML screening, flagging suspicious transactions. Funds are stored in cold wallets with multi-level access. Verification is flexible: KYC or KYB is not required for the trial period.
Should You Connect Cryptoway?
Cryptoway addresses the basic task: turning a regular crypto transfer into a structured payment process. Its strengths include a fee starting from 0.3%, no chargebacks, settlement within minutes, and a set of tools for different scenarios. However, there are limitations: the list of supported coins is still narrow, and there is no fiat withdrawal.
My Expert Conclusion: Cryptoway is a mature solution for businesses already facing requests for crypto payments. Its main advantage lies not in the low fee, but in automating accounting and reducing operational risks. However, for companies focused on fiat settlements, the lack of direct withdrawal to a bank account could be a critical drawback. I recommend testing via payment links to assess the real demand for crypto payments.