Flat 0.4% fee
Keep more of every payment. One transparent rate on every transaction—no hidden charges, no turnover-based tiers, and no monthly minimums as your volume grows.
Crypto payment gatewaybuilt for borderless global commerce
Accept USDT, Bitcoin, and other cryptocurrencies from customers anywhere in the world—a flat 0.4% fee, no KYC, and settlement whenever you need it.
Powered by leading blockchain networks
Key Features
Everything you need to accept cryptocurrency payments and grow across borders
No KYC required
Skip lengthy identity verification. Create an account, generate your first payment link or API key, and start accepting digital currency in minutes instead of days.
Fast settlement
Request a withdrawal from your balance whenever you like and we settle in the shortest time possible—your funds are never locked behind long holding periods.
Most popular Cryptocurrencies
Accepted for Payments
Accept USDT (Tether) on all three major networks—Ethereum, TRON, and BNB Smart Chain—plus Bitcoin, Ethereum, TRON, XRP, and Gram, all through a single integration.
BTC
Bitcoin
ETH
Ethereum
USDT
ERC20 · TRC20 · BEP20
TRX
Tron
XRP
Ripple
GRAM
Gram
Solutionsfor key markets
Crypto payment tools tuned for industries where card networks are slow, expensive, or simply unavailable.
Luxury Goods
- Settle high-value orders without card limits or per-transaction ceilings
- Serve privacy-conscious international buyers with fast on-chain settlement
- Eliminate chargebacks—crypto payments are final once confirmed
E-commerce
- Launch a crypto payment gateway in minutes via API or ready-made plugins
- Accept payments from any country, with no FX fees and no card declines
- Reach the growing base of buyers who prefer to pay in stablecoins
Gaming
- Fund player accounts instantly and pay out winnings on time
- Bypass issuer declines and country-level card restrictions
- Attribute every deposit automatically with a unique address per player
Forex & Trading
- Let traders deposit and withdraw around the clock, weekends included
- Accept digital assets without correspondent banking delays or local limits
- Reconcile every trader with a dedicated deposit address
More
SaaS and web services
Charity and fundraising
Payroll and freelancers
Travel and hospitality
and many more
Frequently asked questions
What is a cryptocurrency payment gateway and how does it work?
A cryptocurrency payment gateway lets your business accept crypto payments online. A payment address or checkout page is generated for each order, Raya detects the transaction on-chain, and the amount is credited to your balance—just like a card gateway, but built for digital assets.
How much does Raya charge?
Raya charges a flat 0.4% on every transaction, among the lowest rates on the market. There are no hidden costs, no turnover-based tiers, and no monthly minimums. Blockchain network fees are separate and set by the network itself.
Do I need to complete KYC to accept crypto payments?
No. Raya does not require a lengthy identity verification process to get started. Sign up, activate your gateway right away, and take your first payment.
Which cryptocurrencies and networks can I accept?
You can currently accept USDT (Tether) on all three major networks—Ethereum (ERC20), TRON (TRC20), and BNB Smart Chain (BEP20)—alongside Bitcoin (BTC), Ethereum (ETH), TRON (TRX), XRP, and Gram (GRAM). Everything runs through a single integration, with no separate setup per asset.
Do you offer a USDT (Tether) payment gateway?
Yes. USDT is one of the most widely used options on Raya, and we support all three major networks: Ethereum (ERC20), TRON (TRC20), and BNB Smart Chain (BEP20). Your customer can pick whichever network is cheapest for them—usually TRC20 or BEP20. And because USDT is a stablecoin, the value of the payment you receive is insulated from market swings.
How long does setup take?
Minutes. Sign up with no lengthy KYC, grab your API key or payment link, and start accepting payments via API or ready-made plugins.
How does settlement work and when do I get my money?
Customer payments are credited to your Raya balance, and you can request a withdrawal whenever you like. We settle in the shortest time possible, so your funds are never locked behind long holding periods.
How do international payments work with crypto?
Customers anywhere in the world can pay with crypto—no international cards, SWIFT, or local banking limits required. The transaction settles directly on-chain, so you pay no FX conversion fees and wait on no correspondent banks.
Can crypto payments be reversed or charged back?
No. Once a crypto transaction is confirmed on-chain it is final, and unlike card payments it cannot be charged back. This dramatically reduces fraud risk on high-value and cross-border sales.
Are crypto and digital currency payment gateways the same?
In practice, yes. “Crypto,” “cryptocurrency,” and “digital currency” payment gateways usually describe the same product. Raya covers all three, so your customers can pay with the assets they already use.