Crypto Payment Processing
Crypto payment processing engines — address management, confirmations, exceptions, sweeps and settlement at volume.
- WalletSigns transaction
- Smart contractVault.deposit()
- BlockchainIncluded in block
- IndexerEvent → Postgres
- APIGraphQL · webhooks
- ApplicationBalance updated
#…4812
12 conf.
#…4813
11 conf.
#…4814
10 conf.
#…4815
pending
Decoded events
- Deposit(0x8f2…a91, 500)confirmed
- Transfer(0x1c7…4de → 0x9b0…77f)confirmed
- RoleGranted(PAUSER, multisig)timelock
RPC failover · 3 providers · reorg-safe indexing
Division
Service area
Web3 & Crypto Payments
Engagement
Project · Team · Managed
Overview
Crypto payment processing is the engine behind gateways and platforms: generating payment addresses, tracking confirmations per network, handling exceptions such as underpayments and wrong-network deposits, sweeping funds, calculating fees and triggering settlement. We build processing engines designed for high volume and many networks.
Common use cases
- Gateway processing coreEngine behind a payment gateway.
- High-volume merchantsProcessing for large crypto merchants.
- Multi-network processingMany chains in one engine.
- Exception reductionImproving payment success rates.
Quick answers
Crypto Payment Processing at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is crypto payment processing?
- Crypto payment processing engines — address management, confirmations, exceptions, sweeps and settlement at volume.
- Who is it for?
- Typically Web3 startups, fintechs adding digital assets, and institutions exploring tokenization, stablecoins or on-chain settlement.
- What does Shivacha provide?
- Address management
- Confirmation policies
- Exception handling
- Wrong-network recovery
- Sweeps & fees
- Settlement triggers
- Which technologies are used?
- ERC-20, Ethereum, TRON, Solana, Node.js, Go (Golang) — chosen to fit your stack and constraints.
- How does the process work?
- Merchant & market scope → Payment engine → Ramps & settlement → Merchant experience → Risk & launch.
- What affects the cost?
- Contract complexity and number of chains
- Custody and wallet model
- Independent audit scope
- Indexing, analytics and back-office tooling
- Compliance integrations (KYC, AML, Travel Rule)
- Upgradeability and governance requirements
- How long does it take?
- A focused contract system or dApp MVP typically takes 8–14 weeks plus independent audit time; institutional platforms usually take 4–9 months.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Address management
Per-payment or per-customer addresses.
Confirmation policies
Per-network, per-amount thresholds.
Exception handling
Under/over-payments and late payments.
Wrong-network recovery
Procedures for misdirected funds.
Sweeps & fees
Consolidation and gas management.
Settlement triggers
Automated merchant settlement.
Architecture
Engineered right from day one
The layers we typically design for Web3 & crypto payments, adapted to your stack and partners.
- Payment finalityConfirmation thresholds tuned per network and amount.
- VolatilityInstant conversion or stablecoin pricing to protect merchants from price moves.
- Exception handlingUnder-payments, late payments and wrong-network deposits resolved cleanly.
- Partner-led rampsFiat conversion via licensed on/off-ramp providers.
Delivery
How an engagement runs
- 1
Merchant & market scope
Target merchants, assets, networks and settlement preferences.
- 2
Payment engine
Payment lifecycle, confirmations, expiry and exception handling.
- 3
Ramps & settlement
On/off-ramp and liquidity partner integrations.
- 4
Merchant experience
Dashboard, plugins, webhooks and reporting.
- 5
Risk & launch
Screening integration, testing and staged merchant onboarding.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Specification first
Roles, invariants and threat model documented before code.
Adversarial testing
Fuzz, invariant and fork tests plus static analysis on every change.
Key management
Admin keys in multisig or MPC with timelocks on sensitive actions.
Independent audit
Code prepared for — and we recommend — an external audit before mainnet value.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Crypto Payments
Accept and send digital assets with the operational comfort of card payments.
Learn moreShivacha Stablecoin Payments
Dollar-denominated payments, payouts and settlement on stablecoin rails.
Learn moreShivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Learn moreRelated services
Often combined with
Web3 Payment Development
Web3 payment systems — wallet payments, stablecoin checkout, subscriptions and on-chain invoicing for digital businesses.
Learn moreCrypto Payment Gateway Development
Crypto payment gateways for merchants — hosted checkout, multi-asset support, auto-conversion and settlement.
Learn moreStablecoin Payment Gateway
Stablecoin-only payment gateways — dollar-denominated checkout, low fees, fast settlement and simple merchant UX.
Learn moreDedicated team
Payments Engineering Team
Specialists in gateways, processing, orchestration, settlement and payouts.
Work & insights
Related thinking
Stablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreTokenized fund units with on-chain eligibility
How we structure a fund tokenization platform where only eligible investors can hold or receive units.
Learn moreHow much does blockchain development cost? The factors that actually drive the estimate
Blockchain budgets are driven by contract complexity, custody, audits, chains and the off-chain system around them. Here is how to scope each one before asking for a quote.
Learn moreFAQ
Frequently asked questions
How are wrong-network deposits handled?
Where recoverable, through controlled recovery procedures; prevention through clear UX and network validation is the priority.
How many confirmations are required?
It depends on network finality and payment amount; policies are configurable.
Can merchants receive fiat instead of crypto?
Yes, through integration with licensed conversion and off-ramp partners, subject to their coverage and requirements.
Which e-commerce platforms can you integrate?
We build plugins and integrations for major commerce platforms and custom checkouts through APIs and SDKs.
Next step
Discuss Your Blockchain Project.
Tell us about your crypto payment processing requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.