A crypto payment means paying for a purchase with a cryptocurrency or a stablecoin, in store or online, instead of a bank card. The customer pays from their wallet or exchange account; the merchant receives, as it chooses, euros or stablecoins, with no volatility exposure. In Europe, these payments have been governed by the MiCA regulation since 2026.
This guide covers both sides: how to pay in crypto, and how to accept it as a merchant.
How does a crypto payment work?
The merchant enters the amount in euros on its payment terminal, till or online payment page.
A QR code is displayed. The customer scans it with their phone's camera.
The customer chooses their payment method (wallet or exchange) and their crypto, then sends the exact amount.
The transaction is confirmed on the blockchain, usually in about 2 minutes.
The merchant receives settlement in euros or in stablecoins, as it chooses.
Which cryptos can be used to pay in 2026?
Since MiCA, regulated payment solutions only accept compliant assets. With Lyzi, more than 300 cryptocurrencies can be used, counting those of the integrated exchanges and those accepted directly:
Regulated stablecoins: USDC and EURC (Circle), EURCV (Société Générale-FORGE), EURE (Monerium). They are the simplest way to pay: stable value, no wallet connection needed.
Cryptos accepted directly: ETH, WBTC, POL and AVAX, on Ethereum, Polygon, Arbitrum One, Base, OP Mainnet and Avalanche C-Chain.
Via the integrated exchanges (KuCoin, WhiteBIT): the cryptos available in your account.
What about USDT? It is not MiCA compliant and is therefore not accepted directly. You can swap your USDT for USDC through a simplified, multi-chain decentralized (DeFi) swap, then pay. See the USDT guide.
What about bitcoin? It is not available directly for now, except from an integrated exchange. Native bitcoin and the Lightning Network are coming in the next few months.
Which wallet or exchange can I pay from?
Wallets: more than 500 compatible wallets, including MetaMask, Ledger Live, Trust Wallet, Rabby, Phantom, Exodus, Trezor Suite and Rainbow.
Integrated exchanges: KuCoin and WhiteBIT, by connecting your account directly. Bybit, OKX and Gate Pay are being integrated.
Other exchanges (Coinbase, Revolut…): make a crypto withdrawal to the payment address displayed.
Where can I pay in crypto?
In store: the Lyzi payment solution works on merchants' existing payment terminals and is compatible with 1M+ terminals. Brands such as Groupe Barrière, Porsche, Lamborghini, ST Dupont, Groupe Printemps and SBM Monaco accept crypto payments with Lyzi. How to pay with crypto in store.
Online: through plugins for Shopify, WooCommerce, PrestaShop and Magento, or by API. E-commerce solution.
How much does a crypto payment cost?
For the payer: blockchain network fees (gas), set by the blockchain and not by Lyzi. Allow a small margin above the displayed amount.
For the merchant: a processing fee under its contract, covering the infrastructure, compliance and settlement.
Are crypto payments safe and legal?
Regulation: in Europe, MiCA governs crypto-assets and stablecoins. Lyzi is a brand of Proofeo SAS, a payment agent registered with the ACPR (REGAFI no. 749869).
Identity checks: up to €1,000, a few details are enough (Travel Rule); above that, ID document and live check. The verification is done only once.
Funds screening: each payment goes through an automatic check of the origin of funds. A refused payment is refunded to the payer within 2 days.
Your responsibility: always check the address, the blockchain and the amount before sending.
You are a merchant: how do you accept crypto payments?
Open a merchant account at admin.lyzi.io/onboarding: Kbis, articles of association, ID of directors and beneficial owners, register of beneficial owners, latest balance sheet. Validation within 24 to 48 hours.
Choose your channel: your current payment terminal, the Lyzi Pro app, a static QR code, a payment link, an e-commerce plugin or the API.
Choose your settlement: in euros to your bank account or in stablecoins.
Are you a PSP or a bank? Lyzi offers a unified connector and a white-label offer. PSP and banks solution.
No. Just scan the QR code with your phone's camera: the payment page opens in the browser.
Is the merchant exposed to volatility?
No. It chooses settlement in euros or in regulated stablecoins.
How long does a crypto payment take?
About 2 minutes for confirmation. A payment sent after the countdown expires is still validated.
What if I used the wrong blockchain?
The payment is blocked. Contact support (blue button on the payment page or support@lyzi.fr) and provide the address of your personal wallet for the return of the funds.
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