This article explains the KYC requirements for all onramp users with different levels based on purchase limits.

Dear user, to ensure transaction security and comply with regulatory requirements, we require all users to complete KYC identity verification before using the pay with card feature.Implementing a cohesive transaction limit system that considers the user's verification level and risk category, applicable to both onramp and offramp financial activities.

Level 1

Level 2

Level 3

All limits are in EUR or EUR equivalent in other currencies

Low/Medium Risk:

High-Risk:

Low/Medium Risk:

High-Risk:

Low/Medium Risk:

High-Risk:

Initial Status:

Customer Actions:

Result:

Advancement to Level 2:

New Limits at Level 2:

Continued Transactions:

Remaining Limits for the Week:

Key Takeaway:

(1) Fees

Hello. The current Pay with Card fees generally consist of:

(Due to exchange rate fluctuations, this rate may vary slightly, but generally stays around this level. Please refer to the amount displayed on the payment page for the final rate.)

Therefore, the actual amount settled to the merchant is calculated as:

Order Amount − (Order Amount × 3.3%)− (Order Amount × Infini 0.5% service fee)

Kindly reminder: The minimum fee is 1 USD. If the calculated fee is less than 1 USD, it will be charged as 1 USD.

(The above calculation formula is provided for reference only. The final credited amount shall be subject to the settlement page and the actual settlement results.)

(2) Order Limits

Minimum Order Amount

The minimum order amount is dynamic and is typically equivalent to approximately USD 7–9, subject to the amount displayed on the checkout page.

For example, if a merchant configures an order amount of 5 USDT, which does not meet the minimum requirement, the following situations may occur:

① When the user enters the checkout page, only crypto payment options will be displayed, and fiat (credit card) payment will not be available.

② If the merchant has configured only fiat payment methods, an error will be returned when creating the order.

Maximum Order Amount

For details on maximum limits, KYC requirements, transaction limits, and FAQs, please refer to the content above.

A: Hello. Currently, we support non–Mainland China–issued Visa and Mastercard credit cards, The specific outcome shall be subject to the system’s actual validation results.

Due to regulatory and compliance requirements, we do not accept credit cards issued in certain sanctioned countries or regions, and virtual cards are not supported.

To improve payment success rates, we recommend that merchants advise users to use credit cards issued in countries or regions where Infini services are supported.

A: Hello. Currently, only USD is supported.

More fiat currencies will be supported in the future—please refer to the official website for updates. Thank you for your support.

AX, AL, DZ, AS, AD, AO, AI, AQ, AG, AM, AW, AU, AZ, BH, BD, BB, BY, BZ, BM, BT, BO, BQ, BA, BW, BV, IO, BN, BI, CV, KH, CM, CA, KY, TD, CL, CX, CC, CO, KM, CG, CK, CR, CI, CW, DJ, DM, DO, EC, EG, SV, GQ, ER, SZ, ET, FK, FO, FJ, GF, PF, TF, GA, GM, GE, GH, GI, GL, GD, GP, GU, GT, GG, GN, GW, GY, HM, VA, HN, HK, IS, ID, IM, IL, JM, JP, JE, JO, KZ, KE, KI, KR, KW, KG, LA, LB, LS, LR, LI, MO, MG, MW, MY, MV, MH, MQ, MR, MU, YT, MX, FM, MD, MC, MN, ME, MS, MA, MZ, NA, NR, NP, NC, NZ, NI, NE, NU, NF, MP, NO, OM, PK, PS, PA, PG, PY, PE, PH, PN, PR, QA, MK, RE, RW, BL, SH, KN, LC, MF, PM, VC, WS, SM, ST, SA, SN, RS, SC, SL, SG, SX, SB, ZA, GS, LK, SR, SJ, CH, TW, TJ, TZ, TH, TL, TG, TK, TO, TT, TN, TR, TM, TC, TV, UG, UA, AE, UM, US, UY, UZ, VU, VN, VG, WF, ZM

Q: Will it affect the payment if the cardholder’s card currency is not USD?

A: Infini currently settles card payments in USD. During the payment process, if the cardholder’s card account is denominated in a currency other than USD, and subject to Infini’s applicable supported countries/regions (as set out in Section 3.1) for pay with card and relevant rules, the transaction may be converted by Visa / Mastercard and the issuing bank in accordance with their respective rules, and ultimately settled in USD.
​

Please note that:

Example (for illustrative purposes only):

For example, a cardholder located in a currently supported country/region may still experience a failed transaction if their Visa card account is denominated in a fiat currency that cannot be processed by the system or is not supported for currency conversion by the issuing bank. In such cases, the transaction may be declined by the issuing bank, and the payment page will indicate a payment failure or exception.

PHP, GBP, IDR, EUR, MYR, KRW, COP, VND, USD, KZT, PLN, CHF, AUD, BGN, CAD, CZK, DKK, HUF, JPY, PEN, RON, SEK, OMR, SGD, CRC, PAB, TWD, ZAR, KGS, AED, ILS, NOK, KES, THB

A: You can specify the corresponding payment methods directly via the API by setting the pay_methods field.

After integrating the API, if you want to enable crypto payment, please set pay_methods to [1].
If you want to enable pay with card, please set pay_methods to [2].
If you would like to support both methods, please set pay_methods to [1,2].

Please refer to our API documentation:

6. API Documentation (Hosted Checkout Mode)

A: Merchants can use client_reference to distinguish between different products.

For example, you can add different prefixes such as:

Then redirect users to the corresponding product pages and configure different pay_methods as needed.

​A: You can check the corresponding status in both the original order and new orders, or contact customer support for further verification.

If your KYC is not approved, please provide the required information according to the on-page instructions. If you have any questions, please feel free to contact customer support for assistance.

A: Thank you for your support.

Different services on Infini are subject to different compliance and risk control requirements. The KYC you completed on the Infini platform allows access to general services; however, Pay with Card is a separate payment scenario and therefore requires a higher level of compliance review.

To meet international regulatory requirements, fiat payment channels may require more comprehensive identity information, such as liveness checks or additional document verification. As a result, users may be asked to complete an additional verification step when first using this feature. This is a common industry practice.

Please rest assured that your previously completed Infini KYC remains valid and unaffected. All information collected is used solely for identity verification and transaction compliance purposes and will not be used for any other purpose.

If you experience any issues during the verification process or are asked to provide additional information, please contact our customer support team—we’ll be happy to assist you.

All information provided on this page is for general informational and technical reference purposes only and does not constitute, and shall not be construed as, any offer, commitment, guarantee, recommendation, promotion, solicitation, or any form of investment, financial, or payment-related advice.

All fees, limits, supported payment methods, currencies, card types, applicable regions, and related rules for Pay with Card (credit card payments) and Pay with Crypto are subject to change from time to time due to exchange rate fluctuations, payment channel adjustments, compliance requirements, risk control policies, card network rules, or other reasonable commercial factors. The actual applicable terms shall be determined by the information displayed on the payment page, system real-time validation results, and final settlement outcomes.

Any fee rates, calculation methods, example formulas, or amounts mentioned herein are provided solely for illustrative purposes and do not constitute any guarantee or commitment regarding final fees, settlement amounts, or payment success rates. The final settlement amount shall be subject to actual settlement results.

Credit card acquiring services are available only for cards, countries, or regions that meet Infini’s current compliance and risk control requirements. Due to regulatory, sanctions, compliance, or risk management considerations, certain cards issued in specific countries or regions, virtual cards, or certain payment instruments may not be supported. Actual availability is subject to system real-time validation.

Pay with Card and Pay with Crypto are distinct payment methods governed by different rules, processes, and compliance requirements. Nothing on this page constitutes or implies any exchange, transaction, facilitation, commitment, or inducement between fiat currencies and crypto assets.

The information provided herein does not constitute legal, tax, compliance, or regulatory advice. Merchants and users are solely responsible for consulting professional advisors and ensuring the legality and compliance of their activities under applicable laws and regulations. Infini shall not be liable for any direct or indirect losses arising from reliance on the information contained on this page.