Frequently Asked Questions

Common questions about Card2Crypto

General Questions

What is Card2Crypto?

Card2Crypto is a payment gateway that allows you to accept credit card payments from customers and receive payouts in cryptocurrency (Bitcoin or Litecoin). No KYC required, no bank account needed.

How does it work?

1. Customer pays with credit card on your white-labeled checkout page
2. Payment is processed through our secure processor
3. Your seller balance is credited (payment amount - 15% fee)
4. You can withdraw your balance to Bitcoin or Litecoin at any time

Is KYC required?

No. Card2Crypto does not require identity verification for sellers or customers.

What countries are supported?

Customers can be from any country.

Fees & Pricing

What are the fees?

Card2Crypto charges a flat 15% platform fee on all successful transactions. This includes:

• Payment gateway infrastructure
• Webhook delivery
• Crypto withdrawal processing
• Credit card processing fees

Are there any hidden fees?

No hidden fees. The only costs are:

• 15% platform fee on transactions
• Blockchain network fees when withdrawing to crypto

What is the minimum payment amount?

$0.50 USD minimum per transaction.

What is the minimum withdrawal amount?

$10.00 USD minimum balance required to request a crypto withdrawal.

Can I get a refund of the platform fee?

Yes. If a payment is refunded, the 15% platform fee is returned to your balance.

Payments

What payment methods are accepted?

All major credit and debit cards:

• Visa
• Mastercard
• American Express
• Discover

How long does it take for payments to complete?

Most payments complete within 30-60 seconds after the customer enters their card details.

When is my balance credited?

Your balance is credited immediately when a payment completes successfully.

Can customers pay with cryptocurrency?

No. Customers pay with credit cards. Only sellers receive crypto payouts.

What happens if a payment fails?

If a payment fails:

• No fees are charged
• Customer can try a different card
• Payment status shows as “failed” in dashboard
• You can create a new payment for the customer to try again

API & Integration

How do I get started?

1. Sign up at card2crypto.cc
2. Complete seller onboarding
3. Wait for approval (usually 24-48 hours)
4. Create your shop and get API keys
5. Integrate using our Quickstart Guide

What programming languages are supported?

Card2Crypto provides a REST API that works with any language. We have guides for:

• Node.js
• PHP
• Python (coming soon)

Any language that can make HTTP requests will work.

Do I need a webhook endpoint?

Webhooks are highly recommended but not required. Without webhooks, you’ll need to poll the API to check payment status, which is less efficient.

How do I test my integration?

Card2Crypto operates in production mode only. Test with:

• Small payment amounts ($0.50 minimum)
• Your own credit cards
• Real API keys

See Testing Guide for details.

Can I use test mode?

No. Card2Crypto only has production mode. All payments are real transactions.

Security

Is Card2Crypto secure?

Yes. Security features include:

• secure payment processing (PCI Level 1 certified)
• HTTPS encryption for all connections
• HMAC-SHA256 webhook signatures
• API key authentication
• No credit card data stored on your servers

Do I need to be PCI compliant?

No. Card details go directly from customer to our secure processor. Your server never touches credit card data, so you don’t need PCI certification.

How do I verify webhooks are authentic?

All webhooks include an HMAC-SHA256 signature in the X-Card2Crypto-Signature header. Verify this signature using your webhook secret.

See Webhook Security for implementation details.

What if someone steals my API key?

If your API key is compromised:

1. Go to your shop settings
2. Click “Regenerate API Key”
3. Update your application with the new key
4. The old key will be immediately invalidated

How do i secure my API keys?

Always store API keys in environment variables and add .env to your .gitignore file.

Withdrawals

How do I withdraw my balance?

1. Go to Dashboard > Balance
2. Click “Request Withdrawal”
3. Enter your Bitcoin or Litecoin address
4. Enter the amount to withdraw
5. Submit request
6. Admin approves and processes withdrawal (usually within 24 hours)

What cryptocurrencies can I withdraw to?

• Bitcoin (BTC)
• Litecoin (LTC)

How long do withdrawals take?

Withdrawals are typically processed within 24 hours of request. Blockchain confirmation time varies:

• Bitcoin: 10-60 minutes
• Litecoin: 2.5-15 minutes

What are the withdrawal fees?

No platform fee. You only pay the blockchain network fee:

• Bitcoin: ~$1-5 (variable based on network congestion)
• Litecoin: ~$0.01-0.50 (variable based on network congestion)

Should I use Bitcoin or Litecoin?

For smaller withdrawals, Litecoin is often better due to lower fees. For larger withdrawals, either works well.

$100 withdrawal:
  Bitcoin:  Receive ~$95-99 (1-5% in fees)
  Litecoin: Receive ~$99.50-99.90 (0.1-0.5% in fees)

$10,000 withdrawal:
  Bitcoin:  Receive ~$9,995-9,999 (0.01-0.05% in fees)
  Litecoin: Receive ~$9,999.50-9,999.90 (0.001-0.005% in fees)

Checkout Experience

Can I customize the checkout page?

Currently, you can customize:

• Shop name (displayed on checkout)
• Return URL (where customer goes after payment)

Logo and color customization coming soon.

Is the checkout page mobile-friendly?

Yes. The checkout page is fully responsive and works on all devices.

What information do customers see?

Customers see:

• Your shop name
• Payment amount
• Credit card form
• Secure payment badge

They do NOT see:

• Your API keys
• Cryptocurrency mentions
• Your payout details

Can customers cancel a payment?

Yes. Customers can close the checkout page at any time. If they don’t complete payment, the status remains “pending” and no charge occurs.

Do checkout URLs expire?

No. Checkout URLs don’t expire, but best practice is to generate a fresh URL for each payment attempt.

Webhooks

What webhook events are sent?

• payment.completed - Payment succeeded
• payment.failed - Payment failed
• payment.refunded - Payment was refunded

How many times will a webhook be retried?

Failed webhooks are retried 3 times with exponential backoff:

• Retry 1: After 2 seconds
• Retry 2: After 4 seconds
• Retry 3: After 8 seconds (final attempt)

Can I receive webhooks for test payments?

Yes. All payments (including small test payments) trigger webhooks.

How do I test webhooks locally?

Use ngrok or a similar tool to expose your local server:

# Start your server
npm start

# Start ngrok
ngrok http 3000

# Use ngrok URL in webhook settings
https://abc123.ngrok.io/webhooks/card2crypto

See Webhook Testing for details.

Troubleshooting

Why isn’t my webhook being called?

Check:

1. Is your webhook URL correct and publicly accessible?
2. Is your server running and accepting POST requests?
3. Are there firewall rules blocking Card2Crypto?
4. Check webhook logs in your dashboard for error details

Why is signature verification failing?

Common causes:

1. Using wrong webhook secret (not API key)
2. Body parsing middleware modifying the payload
3. Using wrong hashing algorithm (must be HMAC-SHA256)

See Webhook Security for correct implementation.

Why am I getting rate limited?

The API limits requests to 100 per minute per API key. Solutions:

• Implement request queuing
• Use exponential backoff for retries
• Cache API responses
• Use webhooks instead of polling

See Rate Limits for details.

Why is my payment failing?

Common causes:

• Amount below $0.50 minimum
• Invalid API key
• Missing return_url
• Invalid currency (must be “usd”)
• Card declined by processor

Check the error message for specific details.

How do I get support?

• Check this FAQ
• Read the documentation
• Contact support through your dashboard
• Email support (check dashboard for contact info)

Business Questions

Can I have multiple shops?

No. Each seller account is limited to one shop. This ensures focused business operations and simpler account management.

Can I sell digital products?

Yes. Card2Crypto works for any type of product or service:

• Digital products
• Physical goods
• Subscriptions
• Services
• Donations

Can I process recurring payments?

Not currently. Recurring/subscription billing is not supported yet.

Can I issue refunds?

Yes, but only admins can process refunds. Contact support with the payment ID to request a refund.

Is there a transaction volume limit?

No hard limits. Process as many transactions as your business needs.

Do you offer enterprise plans?

Enterprise features may be available for high-volume merchants. Contact support to discuss your needs.

Legal & Compliance

Who owns the customer data?

You own the customer data you collect. Card2Crypto only stores data necessary for payment processing.

What happens if I receive a chargeback?

Chargebacks are handled by us. If a chargeback occurs:

1. You’re notified via email & dashboard
2. Amount is debited from your balance (if positive) or you owe the amount
3. You can provide evidence to dispute the chargeback

Account Management

How long does approval take?

Seller approval typically takes 24-48 hours after completing onboarding.

Why was my account rejected?

Common reasons:

• Incomplete onboarding information
• Suspicious activity
• Invalid information provided

Contact support for specific details about your account.

How do I update my withdrawal address?

You enter your Bitcoin or Litecoin address each time you request a withdrawal. No need to save it in settings.

Can I change my shop name?

Yes. Go to your shop settings and update the shop name. It will be reflected on future checkout pages.

Technical Questions

What API version should I use?

Always use the latest version: v1

Base URL: https://card2crypto.cc/api/v1

How do I handle idempotency?

Include an Idempotency-Key header with a unique value:

headers: {
  'Authorization': 'Bearer c2c_live_...',
  'Idempotency-Key': 'unique_order_123'
}

Requests with the same key within 24 hours return the same result.

Can I make API calls from the frontend?

No! Never expose API keys in frontend code. Always make API calls from your backend server.

What should I do with the payment ID in the return URL?

Retrieve the payment to verify its status:

app.get('/success', async (req, res) => {
  const payment = await getPayment(req.query.payment_id);

  if (payment.status === 'completed') {
    // Grant access to product
  }
});

How do I handle concurrent payments?

No special handling needed. Each payment is independent. You can create multiple payments simultaneously without issues.

Next Steps

Get Started

Start integrating Card2Crypto

API Reference

Complete API documentation

Integration Guides

Step-by-step tutorials

Contact Support

Get help from our team