How crypto payments actually work for a merchant — choosing networks, handling callbacks without double-crediting, locking exchange rates for volatile coins, and reconciling what arrives. Written from what Payfjord does in production.
Volatile coins need a locked exchange rate, or you and your customer end up disagreeing about what was paid. Here is how rate locking works and what it protects.
ReadBoth are worth a dollar and both settle in minutes. The practical differences for a merchant are about liquidity, network coverage, and who your customers already bank with.
ReadPayment callbacks retry. If your handler is not idempotent, retries turn into free money for whoever notices. Here is how to write one properly.
ReadCustodial gateways hold your money before passing it on. Non-custodial ones never touch it. The difference shows up on the day something goes wrong.
ReadThe same USDT travels over different networks with very different fees and confirmation times. Here is how to decide which ones to enable for your customers.
ReadA practical guide to accepting USDT on your site: pick your networks, add your own wallet, handle the callback, and reconcile payments without holding customer funds.
ReadReady to take payments? Create an account and try a real invoice — nothing is charged until a payment actually succeeds.
Get started