Accept credit cards.
Settle in crypto.
// THE PLATFORM
Everything you need
to get paid.
A complete off-ramp gateway: your customers pay with a card, we handle acquiring, fraud, and conversion, and you receive crypto. Go from application to live checkout in days, not months.
Card acceptance
Accept Visa, Mastercard, and major debit and credit cards on your checkout — no bank relationship required on your side.
Instant crypto settlement
Every approved card payment is converted and settled to your wallet in USDT, USDC, BTC, or ETH — often the same day.
High-risk approvals
Built for CBD, nutraceuticals, peptides, adult, vape, and other verticals traditional processors decline.
Chargeback shield
Real-time fraud scoring, 3-D Secure, and dispute tooling keep chargebacks low and your account healthy.
Global coverage
Your customers can pay by card from 150+ countries. Smart routing finds the acquirer with the best approval odds.
Live dashboard
Watch card volume, settlements, and payouts in real time. Export-ready reporting for your books and reconciliation.
// HOW IT WORKS
Card in.
Crypto out.
Three steps from checkout to crypto in your wallet. A flat 5% is deducted per transaction — everything else is yours.
// INDUSTRIES WE SERVE
Built for the accounts banks decline.
If a traditional processor has ever frozen your funds, closed your account, or refused to onboard you, LonoPay is the alternative. We specialize in the high-risk verticals — and we settle you in crypto so your cash flow never depends on a bank's mood.
Fast onboarding
Apply, verify, and go live in days — not the weeks a bank makes you wait.
Smart acquirer routing
Each transaction is routed to the acquirer with the best approval odds for your vertical.
Chargeback & fraud defense
3-D Secure, velocity checks, and dispute tooling protect your MID from day one.
CBD & Hemp
96% approvedNutraceuticals & Supplements
95% approvedPeptides & Research Chemicals
93% approvedAdult & Dating
94% approvedVape, Tobacco & Kratom
92% approvedCrypto, Forex & Gaming
90% approved// LIVE METRICS
Real-time processing
you can watch.
// RAILS & ASSETS
Cards in.
The crypto you choose out.
Accept every major card network and settle in the stablecoin or coin you prefer. Plug into your existing storefront, or build your own flow with our API.
┌─┐ │V│ └─┘
Visa
Card network
◉◉ └┘
Mastercard
Card network
┌$┐ └─┘
USDT
Settle asset
(C) ---
USDC
Settle asset
₿ ─
Bitcoin
Settle asset
◈ ◇
Ethereum
Settle asset
{S}
--- Shopify
Storefront
[W] [ ]
WooCommerce
Storefront
Need a custom checkout?
Our REST API and webhooks make it easy to build card checkout into any product. Create a charge, pick a settlement asset, and get an on-chain payout to your wallet.
View API docs// SECURITY & COMPLIANCE
Compliant by design.
High-risk doesn't mean high-exposure. LonoPay pairs bank-grade payment security with KYC/AML controls and non-custodial crypto payouts, so your business stays protected and audit-ready.
╔═══╗ ║ ◈ ║ ╚═══╝
PCI-DSS aligned
Card data is captured on PCI-compliant infrastructure — raw card numbers never touch your servers.
┌───┐ │ ✓ │ └───┘
3-D Secure 2
Issuer authentication reduces fraud and shifts chargeback liability away from you.
╭───╮ │ ★ │ ╰───╯
KYC / AML
Merchant verification and ongoing transaction monitoring keep your account in good standing.
[===] [===]
End-to-end encryption
AES-256 encryption protects every payment in transit and at rest.
◉─◉─◉ │ │ │
Real-time fraud scoring
Velocity checks and risk rules screen each charge before it is approved.
▪ ▪ ▪ ▪ ▪ ▪
Non-custodial payouts
Crypto settles straight to your wallet on-chain — we never hold your balance.
Standards we build to
Independent controls and industry frameworks that protect every transaction.
Dedicated risk & compliance team
A real team monitors transactions, manages disputes, and keeps your merchant account healthy — so you can focus on selling, not on staying banked. Talk to us →
// FOR DEVELOPERS
Card checkout,
a few lines away.
A clean SDK that gets out of your way. Create a charge, choose your settlement asset, and receive crypto — with fraud, acquiring, and conversion handled for you.
TypeScript-first
Full type safety with auto-generated types for every API response.
Hosted checkout
Drop in a PCI-compliant, 3-D Secure payment page in one line — or build your own.
Webhooks built-in
Signed, real-time events for approvals, settlements, and disputes.
Lightweight SDK
No heavy dependencies. Works in Node.js, Deno, Bun, and edge runtimes.
Start accepting cards the banks won't.
Apply in minutes. Our risk team reviews high-risk merchants fast, and most accounts go live within days. One flat 5% per transaction — settled to your wallet in crypto.
No setup fee · No monthly minimum
Apply for a merchant account
Tell us about your business. We'll reply within one business day.