Accept credit cards.
Get crypto.

Q: Are there any rolling reserves?

None. Rivoner has 0% rolling reserves. You get 100% of your money on every completed sale.

The easiest way to bridge fiat and crypto for your business. Your customer pays with their credit card in USD. You receive USDT, USDC, or Bitcoin sent straight to your private wallet in seconds — with a flat 1.5% fee and zero rolling reserves.

Start Accepting Payments Sign In to Dashboard

Real Example Customer pays $100.00 by Visa • You get 98.50 USDT in your wallet

0% ROLLING RESERVES

Built for online businesses

Everything you need to accept cards and get paid in crypto.

Traditional payment gateways hold your money for weeks or freeze 10% in reserves. Rivoner processes your cards and sends crypto directly to your wallet after every sale.

Direct Wallet Payouts

We never hold your funds. Payouts land directly in your private TRON, Ethereum, or Solana wallet as soon as a card charge clears.

0% Rolling Reserves

No 180-day holdbacks. Legacy processors lock 10%–20% of your earnings. Rivoner releases 100% of your money on every sale.

Built-in Card Verification

Every transaction uses 3-D Secure (Visa Secure / Mastercard ID Check) to verify the cardholder and protect your business from chargebacks.

Store Plugins

Easy credit card to crypto gateway integrations for Shopify, WooCommerce, WHMCS, and PrestaShop. Plus a clean REST API for custom checkout flows.

Instant Payment Links

Create customer payment links from your dashboard. Send them via WhatsApp, email, or chat — no coding required.

Real-Time Webhooks

Get instant signed JSON webhooks on every completed sale to activate subscriptions and fulfil orders automatically.

How your money moves

From card swipe to your wallet in seconds.

No bank transfer delays. No manual withdrawal buttons. As soon as your customer completes checkout, Rivoner settles the payout directly to your wallet.

Zero Holds Flat 1.5% Fee USDT · USDC · BTC

Simple pricing

Flat 1.5% per sale. No hidden fees.

No monthly costs, no surprise currency conversions. One-time $119 activation fee to go live.

Feature	Rivoner	Legacy Processors
Transaction Fee	Flat 1.5%	2.9% + 30¢ + foreign card fees
Rolling Reserve	0% — None held	10%–20% locked for 180 days
Payout Speed	Seconds (to your wallet)	2–7 business days to bank
Custody	Your private wallet	They hold your money
Accepted Cards	Visa & Mastercard	Visa, Mastercard, Amex

For developers

Add card checkout in a few lines of code.

Create charges, generate payment links, and handle webhooks with our REST API.

Get Live API Keys API Reference ↗

POST /v1/charges

const rivoner = require('@rivoner/sdk')('riv_live_...');

const charge = await rivoner.charges.create({
  amount: 150.00,
  currency: 'USD',
  customer_email: '[email protected]',
  settle_asset: 'USDT_TRC20'
});

console.log('Payment URL:', charge.checkout_url);

Merchant stories

Built for high-volume businesses.

See how stores, platforms, and creators use Rivoner to accept card payments and receive crypto.

KROMA STREETWEAR

● $180K/mo · USDT

"Eliminating the 10% rolling reserve gave us immediate working capital to scale manufacturing. Payouts land in our TRON wallet within seconds — before the warehouse even packs the order."

Elena Rostova

Founder & CEO · Apparel E-commerce

APEX DIGITAL STUDIO

● $320K/mo · USDC

"Our clients pay with corporate Visa and Mastercard in USD. We receive USDC on Ethereum instantly — no international wire delays, no FX markup."

Marcus Vance

Managing Partner · SaaS & Web Services

VELOCE MEDIA GROUP

● $95K/mo · BTC

"The flat 1.5% fee saves us over $4,000 every month in hidden gateway surcharges. The WooCommerce plugin took less than 5 minutes to set up."

Sora Takahashi

Co-Founder · Digital Goods & Media

Frequently asked

Common questions from merchants.

Can customers pay in fiat while I get crypto?

Yes. Rivoner handles the entire conversion for you. Your buyers experience a standard credit card checkout in fiat (USD, EUR, etc.), and you receive the equivalent value in the cryptocurrency of your choice directly to your wallet.

How fast do I get paid?

Payouts are fully automatic. As soon as a customer pays with their card, our system sends the settled crypto to your wallet — typically within seconds.

Are there any rolling reserves?

None. Rivoner has 0% rolling reserves. Unlike traditional processors that lock 10%–20% of your earnings for months, you get 100% of your money on every completed sale.

Which payout currencies do you support?

You can settle in USDT (TRC-20 or ERC-20), USDC, Bitcoin (BTC), Litecoin (LTC), Solana (SOL), or Monero (XMR). Change your settlement asset and destination wallet any time from your dashboard.

How do you handle chargebacks?

Every card payment goes through 3-D Secure verification (Visa Secure / Mastercard ID Check), which confirms the cardholder's identity and shifts dispute liability away from your business.

Is there a setup fee?

There is a one-time $119 lifetime activation fee, paid in crypto, to enable live card processing and unlock all plugins and API access. After that, the only cost is the flat 1.5% per sale. No monthly fees, no annual renewals.

Accept credit cards.Get crypto.