Onchainpay Review 2026: Crypto Payments for Businesses

Onchainpay is a cryptocurrency payment gateway aimed at businesses that want to accept digital-asset payments. Its homepage describes payment collection through invoices, orders or static addresses, plus merchant balances, withdrawals, transaction analytics and integrations through an API or e-commerce plugins.

The company also advertises fiat settlement to business bank accounts, crypto exchange and cross-chain transfers, a transaction-monitoring feature, and smart-contract-based recurring payments. It identifies Broex UAB as the company behind the service and says it complies with EU regulations under Lithuanian law. Specific fees, licensing details, audit information and the full list of supported token-and-network combinations are not published on the homepage.

Onchainpay sits between a business and customers paying in cryptocurrency. Merchants can request payment through invoices, orders or static addresses. For invoices, the company says it calculates the crypto amount from a fiat-denominated bill using a real-time exchange rate that includes slippage. It describes received funds as immediately credited to the merchant balance and available for withdrawal.

Businesses can connect through an API or e-commerce plugins, and can choose manual or API withdrawals. Onchainpay also advertises conversion between crypto assets, transfers across blockchains and fiat settlement to business bank accounts. Recurring payments are described as smart-contract based and requiring a Web3 wallet, but access details and the precise payment flow are not explained on the homepage.

Onchainpay does not publish specific processing, withdrawal, conversion or fiat-settlement fees on its homepage. Merchants should request a current price schedule from the company and confirm which charges apply to their currencies, networks and settlement methods before integrating.

Onchainpay advertises two-factor authentication, API access restricted to verified IP addresses, and storage of funds on blockchain addresses rather than synthetic records. These are company-described safeguards; the homepage does not publish independent audit details, named security certifications or an incident history. Using a payment gateway and business wallet also creates operational and counterparty risk, so merchants should understand how balances are controlled and withdrawn.

The company describes itself as registered and compliant with EU regulations under Lithuanian law, but does not name a specific regulator or license on the homepage. Its know-your-transaction feature is presented as an AML monitoring tool, not a guarantee that transactions or customers are risk-free.

Onchainpay is aimed at online merchants and other businesses that want to accept crypto payments through invoices, orders or static addresses, then manage balances, withdrawals or fiat settlement. It may be relevant to teams seeking API or e-commerce plugin integration, but businesses that need clearly published pricing, licensing or audit information should request those details before adopting it.