- Visa
Declined by your processor? Take payments tonight.
Cards through a crypto on-ramp, plus direct crypto — built for merchants banks say no to.
Cash App for US buyers · no card fee
- Cards
- from 3.9%
- Crypto
- from 2%
- Cash App
- from 3.4%
- Setup
- $0
- Monthly
- $0
Works with
- Shopify
- Any site via API
Vesper Supply Co.
$148.00
Cash AppCryptono card feeExample · settled
- pay_example1 · card+ 143.19 USDC
- pay_example6 · usdc+ 245.00 USDC
- pay_example5 · card+ 96.10 USDC
Built for businesses banks call high-risk
Declined or terminated
Stores cut off by Stripe, PayPal or Shopify Payments that need to keep selling this week.
Trading signals & education
Signal groups, courses and mentorship, labeled high risk because of the category.
Digital goods & software
Downloads, licenses and templates. Instant delivery makes processors nervous about disputes.
Freelancers & agencies
Clients in one country, you in another. Get paid without a processor questioning every invoice.
Supplements, nutra & subscriptions
Categories that get refused outright or have revenue held back. Luzapay keeps no rolling reserve.
Coaching & communities
Programs and paid groups with high ticket prices, the kind processors tend to review or decline.
Adult & dating
Legal adult content and dating services for adults, a category many processors won't touch.
iGaming-adjacent
Legal businesses around iGaming that processors often refuse by association.
How it works
Live in an afternoon, not three weeks of underwriting.
Create your account and add the wallet you want to be paid to
USDC or USDT on Polygon, Tron or BNB Chain.
Connect your checkout
Payment links, Shopify, WooCommerce, or our API.
Get paid, request a payout any time
Usually within one business day, no reserve, no holds.
Card payments
How card payments work
Card payments on Luzapay run through a licensed crypto on-ramp. Your buyer enters their card on the provider's secure page, the provider converts it to a stablecoin, and it settles to your balance. Your buyer never needs a wallet or an exchange account — but they will see wording like 'Buy USDC' during the step, and in some countries the provider asks for a quick ID check on first purchase.
US buyers can also pay with Cash App directly on the checkout — no on-ramp step.
This is why Luzapay can approve you when banks won't. It's the right fit if you've been declined or terminated, sell in a high-risk category, or want crypto-native settlement. If you have a working Stripe or Shopify Payments account and sell everyday goods, keep it — we're a second rail, not a replacement.
Good fit
- Declined or terminated merchants
- Digital products & subscriptions
- Coaching & communities
- Nutra
- Adult & dating
- iGaming-adjacent
- Crypto & trading education
- Agencies paid by clients
Not a fit
- Everyday physical goods with a healthy Stripe account
- Buyers who drop off at any extra checkout step
- Impulse purchases under $20
Pricing
Pricing
Cards
Visa, Mastercard, Apple Pay, PayPal
from3.9%
per sale. A card processing fee is added at checkout and paid by the buyer.
PayPal and Venmo available for US buyers (same rate).
Cash App (US buyers) from 3.4%.
Stablecoins
Lowest fee
USDT and USDC
from2%
per sale. No buyer fee.
Other crypto
BTC, LTC, XMR, SOL and more
from3%
per sale. Converted to USDC for you.
Rates vary by business type and volume. Your rate is set when your account is approved and shown in your dashboard.
No setup fee. No monthly fee. No reserve.