Crypto Exchange Payment Gateway · Global

Fiat on-ramp &
off-ramp
for crypto exchanges.

UPI, SEPA, PIX and cards — the fiat rails crypto exchanges actually need. FATF travel rule compliant. Native USDT/USDC settlement. Built for CEX, OTC desks, and fiat on-ramp providers that mainstream processors won't touch.

35+ fiat currencies
FATF travel rule ready
48-hour approval
Crypto Exchange Application

Start fiat on-ramp in 48 hours

Tell us about your exchange. We'll reply within 4 business hours.

Encrypted submission — data never shared.

FalconPay crypto exchange dashboard: fiat-to-USDT volume, on-ramp success, travel rule checks
Why a Specialised Gateway

Generic processors aren't built for crypto flows

Crypto exchanges have a specific problem: bought crypto leaves the exchange in seconds, but a fiat chargeback can arrive 120 days later. Generic fraud models and onboarding questionnaires break on that asymmetry.

The fiat on-ramp problem

Mainstream processors reject exchanges outright or apply velocity caps that throttle growth. Those that do accept crypto often set chargeback thresholds so low that a single dispute wave terminates the merchant account.

  • Individual crypto-aware underwriting
  • KYC & AML calibrated for crypto velocity
  • Direct acquiring relationships, not aggregator-of-aggregators
  • Chargeback management that understands irreversible asset movement

The fiat off-ramp problem

Paying users back to bank accounts is where most crypto payment stacks fall apart — banking partners freeze payouts, AML flags hit on legitimate withdrawals, and settlement gets stuck between rails.

  • T+1 fiat payouts across UPI, SEPA, PIX, wire
  • Pre-screened beneficiary bank list per region
  • AML rules tuned to crypto withdrawal patterns
  • Sanctions & travel rule screening at payout time
Supported Fiat Rails

Every currency your users actually pay with

Local payment methods in your users' preferred rail — not just card processing translated badly. 35+ currencies, 40+ local rails, one integration.

🇮🇳

India — INR

UPI · Net Banking · IMPS · Cards

98.5% UPI success rate. P2M merchant routing. 100+ bank connections for Indian crypto exchange deposits.

🇪🇺

Europe — EUR

SEPA · iDEAL · Giropay · Cards

SEPA Instant for EUR deposits. iDEAL for Netherlands, Giropay for Germany, Bancontact for Belgium. PSD2 open banking flows.

🇧🇷

Brazil — BRL

PIX · Boleto · Cards

PIX for 24/7 instant BRL deposits — Brazil's crypto purchase rail of choice. Boleto for unbanked users. Local acquiring on cards.

🇺🇸

Global — USD

Cards · Wire · ACH

International Visa/Mastercard acquiring with 3DS2. USD wire transfer for institutional volumes. ACH where applicable.

Fiat to stablecoin settlement flow: INR/EUR/BRL via UPI/SEPA/PIX converge to USDT/USDC across 5 chains
FATF travel rule flow: originator VASP to beneficiary VASP with travel rule data
Native Stablecoin Settlement

Settle in USDT or USDC
Skip the FX spread.

Your exchange earns fees in fiat but operates treasury in crypto. Settling to stablecoins eliminates daily FX conversion costs and lets your ops team work on-chain natively. Settlement wallets are configured at onboarding and can be rotated per exchange request.

5 chains supported for settlement

USDT and USDC settlement across the networks crypto exchanges actually use. Daily batched or real-time per-transaction — you choose.

Ethereum
Tron
BSC
Polygon
Solana
  • No FX conversion on fiat→stablecoin settlement
  • Daily, weekly, or real-time settlement cadence
  • Multi-sig treasury wallet support
  • On-chain proof-of-payout for every settlement
Compliance

Built for FATF, AML, and the crypto-specific rules

Crypto exchanges carry compliance burdens that standard merchants don't — travel rule, VASP-to-VASP data exchange, enhanced sanctions screening. We've built the plumbing so you don't have to.

FATF Travel Rule

Originator and beneficiary information capture at fiat on-ramp. Supports Sumsub Travel Rule, Notabene, and VerifyVASP protocols. Tag VASP identifiers at API level.

Real-Time Sanctions Screening

OFAC, UN, EU, and UK HMT lists screened at every deposit and payout. PEP and adverse-media screening at onboarding and transaction time.

Source-of-Funds Verification

For high-value deposits, we support escalated SoF documentation workflows — proof of income, proof of previous investment, corporate ownership documentation.

India 30% TDS & 1% TCS

For Indian crypto exchanges, we can apply TDS deduction at source on applicable transactions and provide quarterly reporting compatible with Form 26AS requirements.

PCI DSS Level 1 & ISO 27001

Card data tokenisation at the edge. Full PCI DSS Level 1 and ISO 27001 infrastructure — your exchange inherits our compliance posture for card processing.

Audit-Ready Transaction Logs

Every fiat transaction is logged with full context — originator, device fingerprint, IP geolocation, AML decision, and 3DS2 authentication record. Exportable for regulatory audits.

Crypto Business Models

Exchanges we approve (and don't)

Transparency upfront — here are the models we actively onboard and the ones we can't accept under current policy.

🏦

Centralised Exchange (CEX)

KYC-gated exchanges offering spot, derivatives, or both. Most common onboarding profile with full fiat rail access.

Approved
💼

OTC Desks

High-value counter-party crypto trading. Enhanced due diligence on counter-parties, but strong approval for established desks.

Approved
🔄

Fiat On/Off-Ramp Providers

B2B2C ramp providers integrated into wallets, exchanges, or payment apps. We're your infrastructure layer.

Approved
🤝

P2P Exchanges (with custody)

P2P platforms operating escrow or custody between matched users. KYC required on both sides of the trade.

Approved
🖼️

NFT Marketplaces

NFT marketplaces accepting fiat for primary and secondary sales. Integrated KYC for sellers above threshold.

Approved
🚫

Non-custodial DEX (no KYC)

Fully decentralised exchanges with no KYC and no control over user trading flows cannot be onboarded — regulatory exposure is too high for a fiat rail partner.

Declined
FAQ

Crypto exchange payment questions

Why do crypto exchanges need a specialised payment gateway?
Crypto exchanges face higher-than-average chargeback risk (purchased crypto can leave the exchange instantly, making disputes irreversible), heightened AML scrutiny under FATF travel rule requirements, and blanket bans from mainstream processors like Stripe and PayPal. A specialised gateway provides individual underwriting, velocity controls sized for crypto flows, FATF-compliant originator data exchange, and multi-rail fiat on-ramp coverage — none of which generic processors offer.
What fiat currencies can FalconPay accept for crypto purchases?
FalconPay supports INR (via UPI, Net Banking, IMPS, RuPay/Visa/Mastercard), EUR (via SEPA, iDEAL, open banking, cards), USD (via cards and wire), BRL (via PIX, Boleto, cards), MXN, COP, ARS, PEN across LATAM, and 35+ currencies in total. Deposits settle on a T+1 basis in fiat or stablecoin.
How does FalconPay handle the FATF travel rule?
FalconPay integrates originator and beneficiary information capture at the fiat on-ramp layer, so VASP-to-VASP transfers above the $1,000 travel rule threshold include compliant data payloads. We support the major travel rule protocols (Sumsub Travel Rule, Notabene, VerifyVASP) and can tag transactions with VASP identifiers at API level.
Can Indian crypto exchanges accept UPI deposits with FalconPay?
Yes. FalconPay provides UPI deposit rails for Indian crypto exchanges with a 98.5% UPI success rate, connections to 100+ banks, and P2M (merchant) UPI routing — not P2P workarounds that Indian regulators have cracked down on. Merchants must hold valid business registration and comply with the 30% TDS on crypto transactions.
Does FalconPay support stablecoin settlement?
Yes. Merchants can settle daily volumes in USDT or USDC across Ethereum, Tron, BSC, Polygon, and Solana. This eliminates FX volatility on the fiat-to-crypto spread and enables treasury operations to run natively on-chain. Settlement wallets are set at onboarding and can be rotated per exchange request.
What crypto business models does FalconPay approve?
Centralised exchanges (CEX), OTC desks, peer-to-peer exchanges with custody, fiat-crypto on-ramp providers, crypto payment processors, NFT marketplaces accepting fiat, crypto payroll providers, and token launch platforms with KYC. We decline fully non-custodial DEXs without KYC and anonymous tumbling services.
How long does crypto exchange onboarding take?
Most crypto exchanges are approved within 48 hours of submitting business registration, AML/KYC policy documents, proof of VASP registration (where required), beneficial ownership documentation, and a sample transaction flow. Live processing typically begins within 5 business days end-to-end.
Related Resources

More on crypto exchange payment processing

Ready to Process

Your crypto exchange needs a real fiat rail.

Join crypto exchanges, OTC desks, and on-ramp providers who process fiat through FalconPay. 48-hour approval. 35+ currencies. Native stablecoin settlement.

FATF ready
PCI DSS Level 1
USDT/USDC settlement