Why PSPs are adding crypto now

Merchants want faster settlement, lower and predictable fees, and global reach. Crypto payments give them all three, if the rails are compliant and easy to run.

What “compliant crypto rails” includes

• Identity and AML: KYC/KYB, sanctions and PEP checks, ongoing monitoring. WCT Pay uses Sumsub for this layer.
  
  
• Geo controls: Allow, restrict, or block flows by jurisdiction.
  
  
• Real-time monitoring: Rules for velocity spikes, chain hopping, and high-risk sources.
  
  
• Audit-ready records: Timestamps, tx hashes, and reviewer notes that export cleanly.
  
  
• Safe conversion: Stablecoin settlement with same-day fiat off-ramp through regulated partners.
  
  

Partnership models for PSPs

• Embedded API: Keep your checkout and merchant UI. WCT Pay runs crypto acceptance in the background.
  
  
• White-label invoicing and hosted pay links: Branded USDT or USDC invoices. Great for B2B and high-ticket merchants.
  
  
• Partner console: One view for merchant status, risk signals, payouts, and settlements.
  
  
• OTC support for large tickets: Locked quotes, slippage controls, and scheduled settlement for big conversions.
  
  

Technical basics

• Assets: Start with USDT and USDC. Add BTC and ETH only if you auto-convert to stablecoins.
  
  
• Addressing: One invoice. One address. Short expiry to reduce errors and spoofing.
  
  
• Detection: On-chain confirmations with signed webhooks that update balances and back office in real time.
  
  
• Payouts: Program crypto payouts or settle to fiat the same day.
  
  
• Reconciliation: Clear states that everyone understands. Pending. Confirming. Paid. Settled.
  
  

Risk and compliance in practice

• KYC/KYB by Sumsub: Document capture, sanctions screening, and risk scoring.
  
  
• Policy tiers: Higher checks for new or high-value merchants and flows.
  
  
• Geo and lists: Automatic blocks for restricted countries and sanctioned entities.
  
  
• Incident playbooks: Holds, reviews, and dual approvals for sensitive actions.
  
  
• Records: Correlate invoice ID, tx hash, user reference, and reviewer notes for a complete audit trail.
  
  

Merchant use cases you can support on day one

• Marketplaces and PSP sub-merchants that sell across borders
  
  
• B2B invoicing for SaaS, agencies, exporters
  
  
• Real estate reservations and closings
  
  
• Luxury retail, hospitality, and travel
  
  
• Trading, FX, and brokerage deposits and payouts
  
  
• Education platforms with international learners
  
  

Commercial options

• Per-transaction fee, flat or tiered
  
  
• Revenue share on acceptance and conversion
  
  
• Bundles that combine crypto acceptance, same-day fiat, and compliance reporting
  
  
• Premium support SLAs for key accounts
  
  

Getting started

1. Pick two verticals and a small merchant cohort.
   
   
2. Enable USDT or USDC payments with real-time confirmations and clear refund policy.
   
   
3. Add optional same-day fiat settlement and a branded invoicing flow.

Partner with WCT Pay to add compliant crypto rails to your PSP stack.
👉 Explore PSP solutions: https://wctpay.com/psps-and-cashiers