How to Enable Fiat Payment (Card / Apple Pay)

Infini FiatPay gives merchants a fiat checkout. Users pay without holding crypto in advance, and merchants receive stablecoin settlements at T+0, with optional yield options.

For API integration steps, see: [How Merchants Integrate and Use Infini API]

For many merchants, the bottleneck isn't growth. It's getting paid. High onboarding barriers, slow settlement, frequent chargebacks, and crypto that users simply can't use. The more complex the payment flow, the lower the conversion, and the harder it is to collect revenue.

Traditional fiat payment: getting approved doesn't mean getting paid.

High onboarding barriers — applications are frequently rejected. Frequent chargebacks — funds can be clawed back at any time. T+2 / T+7 settlement — slow payouts and constant cash flow pressure. Opaque risk controls — unpredictable stability. In some cases, traditional payment may involve uncertainty around settlement timelines or dispute resolution.

Crypto payment: simple flow, but users can't pay.

Users need to hold crypto in advance and operate a wallet. High barrier to entry — most users don't know how. Low conversion, hard to scale. Complex flow — users can't complete payment on their own. The core problem: it's not that you can't receive payment — users just can't pay.

Infini combines the familiarity of fiat payment with the relative predictability of on-chain settlement. For users, it's a fiat payment. For merchants, it's stablecoin settlement.

[Landing page: https://infinifiatpay.manus.space/]

Major payment methods: Supports Visa, Mastercard, Apple Pay — the familiar Web2 checkout for users.

T+0 settlement: Real-time or near-real-time stablecoin settlement, improving merchant cash flow. The specific arrival time is subject to the actual processing situation.

Automatic payment engine: After the crypto purchase completes, the order is paid automatically — helping reduce potential drop-off caused by additional steps.

White-label checkout: Customizable with merchant logo, domain, and branding.

KYC incentive: Once users complete KYC verification, they receive a $1 reward that goes directly to payments to help new users complete their first conversion.

Upfront risk control: On-chain settlement reduces chargeback risk; risk controls are applied before payment completes.

Order amount and transaction limits: Each order must be between $16 and $3,000 USD. The following cumulative limits also apply per user:

Orders that exceed any of the above limits cannot be processed through the fiat payment channel.

In [Payment Settings], enable the [Pay with Card] 、[Apple Pay]、[Google Pay] switch.

Once enabled, the checkout automatically supports [Pay with Card] 、[Apple Pay]、[Google Pay].

Select [Apple Pay] for payment collection. Users enter their email for verification. After login verification, open the payment link in Safari on a Mac or on an iPhone to pay directly.

If the transaction amount exceeds €500, KYC is required, and after passing, the payment is completed.

KYC-Exempt Conditions for Apple Pay

When the same user (identified by UID, device fingerprint, IP, card number, or similar signals) initiates a transaction, KYC verification may be waived if both of the following conditions are met:

If both conditions are satisfied, the order can proceed without KYC. If either condition is not met, identity verification is required before payment.

Select [Pay with Card] to acquire, and the user verifies the email address and completes KYC.

If you have not added a payment card before, select Add a new card and enter the card information to complete the payment.

If the user has already paid for the card, select to bind the card after successful KYC and complete the payment.

Select [Google Pay] to acquire, and the user enters the email address for verification and completes KYC. Then click the Pya with Google Pay button to complete the payment.

Infini charges no monthly or software fees. Fees are only collected upon successful transactions.

Fiat Payment (Pay with Card / Apple Pay ) fees consist of two components: Infini Base Rate + Channel fee (current reference: ~3.7%; USD to USDC, rate is typically close to 1:1 but may vary with market conditions).

The Infini Base Rate varies by account tier:

Example (Standard tier): User pays $100 → Total fee = 3.7% + 0.50% (Infini) = 4.20% → Merchant receives approx. $95.80.

Actual rates are shown in the merchant backend. Channel rates may vary due to exchange rates, payment methods, or channel adjustments.

For detailed steps, see: [How Merchants Integrate and Use Infini API]

Use the pay_methods parameter to configure which payment methods are available at checkout:

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 want to enable binance pay, please set pay_methods to [3].

If you want to enable apple pay, please set pay_methods to [5].

If you want to enable google pay, please set pay_methods to [6].If you would like to support all methods, please set pay_methods to [1,2,3,5,6].

Production Environment (Live)

•Without KYB: $3,000/month transaction limit

•With KYB: Transaction limits will be adjusted or lifted based on account verification status and compliance review

•Registration: https://business.infini.money/register

•API Endpoint: https://openapi.infini.money

Sandbox Environment (Testing )

•No KYB required; available for direct testing and integration

•Registration: https://business-sandbox.infini.money/register

•API Endpoint: https://openapi-sandbox.infini.money

The following list is for reference only. Please refer to the actual page for the latest information.

*US users cannot complete KYC verification due to compliance restrictions. Pay with Card / Apple Pay /Google Pay is not available in the US market.

Infini provides services only to users in countries or regions that comply with local laws and have passed compliance review. Access or successful registration does not guarantee service availability; final eligibility is subject to compliance review results.

Q: What is the difference between Pay with Card / Apple Pay / Google Pay and Pay with Crypto?

A: Pay with Crypto requires users to hold crypto assets in advance and pay directly on-chain. With Pay with Card / Apple Pay / Google Pay, users purchase USDC with fiat currency and complete payment — no need to hold crypto beforehand.

Q: What are the requirements to enable fiat payment?

A: Merchants must complete KYC or KYB verification first. If verification is incomplete, the system will block activation and display a prompt.

Q: How do I complete KYB verification in the sandbox (testing) environment?

A: KYB verification requirements are relaxed in the sandbox environment, which is intended for integration testing only. You can upload any documents — they do not need to be real or valid. Completing the upload flow is sufficient to pass KYB verification and proceed with testing.

Q: What are the order amount and transaction limits for fiat payment?

A: Each order must be between $16 and $3,000 USD. The following cumulative limits also apply per user: $3,000 per transaction, $25,000 per day, $60,000 per week, and $120,000 per month. Once any limit is reached, the user will temporarily be unable to complete payment via Pay with Card / Apple Pay / Google Pay. Please direct them to an alternative payment method.

Q: After credit card acquiring is relaunched, do merchants need to reconfigure their API integration or callback parameters?

A: In general, no reconfiguration is needed. If the merchant does not need to specify a payment method via API, they only need to enable the relevant acquiring option in the merchant dashboard to use both credit card acquiring and the newly added Apple Pay. If the merchant needs to specify a payment method via API, the Apple Pay payment method enum value must be added to the API request. Please refer to the latest API documentation for the specific fields and enum values.

Q: Why is Pay with Card / Apple Pay / Google Pay not available for US users?

A: Due to compliance restrictions, these payment methods are not available in the United States. To serve the US market, please contact the Infini support team for alternatives.

Q: How does KYC-exempt work for Apple Pay transactions?

A: When the same user (identified by UID, device fingerprint, IP, card number, or similar signals) initiates a transaction, KYC can be waived if both of the following conditions are met:

(1) the current order amount does not exceed the single-transaction KYC-exempt limit, and (2) the current order amount plus the user's total cumulative successful transaction amount does not exceed the cumulative KYC-exempt limit. If either condition is not met, identity verification is required before payment.

Q: How is the $1 Cashback for new users triggered and used?

A: After a user completes KYC for the first time, the system automatically issues a $1 cash voucher to their account. The voucher can only be applied to orders paid via Fiat On-Ramp, with a minimum order amount of $1. There are no restrictions on specific orders or merchants.

Q: How is the fiat payment fee calculated?

A: Fiat Payment Fee = Channel rate (e.g. 3.7%) + Infini Base Rate. Specific rates are shown in the merchant backend by membership tier. Please refer to the submission page and final order result for the actual fee.

Q: Why can Infini offer relatively low payment processing fees?

A: Infini's stablecoin and blockchain settlement infrastructure reduces certain intermediary steps found in traditional payment flows, enabling a more streamlined fee structure in specific scenarios. The platform also uses tiered pricing — the higher your transaction volume, the lower your Base Rate, down to a minimum of 0.2%.

Q: What MCC applies to merchants when using credit card acquiring?

A: The current MCC for credit card acquiring is 6051, which falls under virtual assets, cryptocurrency, or quasi-cash-related categories — similar to the category used by fiat-to-crypto services such as MoonPay. Due to the higher risk sensitivity of this category, the overall payment success rate may be lower than that of traditional e-commerce or standard service acquiring scenarios. Actual success rates may vary depending on the issuing bank, user region, card type, and risk control policies.

Q: Who is responsible for fees if a chargeback occurs?

A: Virtual asset transactions are generally less likely to fall under the traditional credit card chargeback process. If a dispute or chargeback occurs, the acquiring bank will typically bear the relevant responsibility, and the merchant will not be required to pay additional chargeback fees. The final handling result is subject to the rules of the acquiring bank and the relevant payment channel.

Q: Does credit card acquiring involve T+N settlement or a rolling reserve?

A: Currently, this acquiring method supports real-time settlement. There is no T+N settlement period, and merchants are not required to maintain a rolling reserve. The final settlement result remains subject to the actual order status and the requirements of the relevant payment channel.

Infini recommends using credit card acquiring as a supplementary payment channel. Due to the stronger risk controls associated with virtual asset MCCs, payment success rates may be lower in certain regions or with certain issuing banks. The current acquiring bank is based in Europe, where success rates are relatively higher, while success rates for US users are relatively lower. Infini also provides user incentives to help improve end-user conversion rates.

Q: Are Google Pay and Apple Pay supported in the sandbox (testing) environment?

A: No. Google Pay and Apple Pay are only available in the production environment. These two payment methods cannot be tested in the sandbox. Please use a production environment account to verify their behavior.

Q: Why do some European users still experience payment failures during testing?

A: There are two common causes. (1) **\*IP location mismatch**: If the IP location of the testing environment does not match the billing address or card-issuing country, risk controls may block the transaction. Ensure that the IP location of your test environment is consistent with the issuing country and billing address of the card being used. (2) Cardholder name validation: Some issuing banks — such as those in mainland China — do not validate the cardholder name, so tests using these cards may appear to pass even with mismatched names. In real European user scenarios, a name mismatch will cause payment failure. We recommend testing with a bank card issued in Europe and entering the exact cardholder name as it appears on the card.

Q: Is payment supported by bank accounts in all countries and regions?

A: Supported regions depend on the actual service coverage of our partner channels, as well as applicable local laws, compliance requirements, and banking network availability. Please refer to the available options on the payment page and the actual submission result.

Q: I have already completed KYC on Infini. Why am I asked to verify my identity again when using Pay with Card?

A: Different features are subject to different compliance and risk control requirements. Your Infini KYC covers standard platform features, but fiat payment is an independent payment scenario subject to a higher level of compliance standards. Per international regulatory requirements, the payment channel must collect complete identity information. As a result, a one-time additional identity verification may be required on first use — this is standard industry practice. Your existing Infini KYC is not affected. The information collected is used solely for identity verification and transaction compliance purposes.

Q: Does the platform charge a hidden spread on exchange rates or stablecoin conversions?

A: The applicable exchange rate is clearly displayed on the relevant page — pricing details are disclosed on the relevant pages, and actual costs are subject to the transaction details and final settlement. All conversion results are subject to the rate shown on the page and the transaction confirmation.

Q: How does Infini's pricing compare to traditional payment solutions?

A: Different payment solutions vary in fee structure, risk mechanisms, and applicable scenarios. Infini offers a stablecoin-based payment solution with a Base Rate as low as 0.2% (Elite tier) and a relatively straightforward fee structure. Whether it is the right fit depends on your business model, transaction volume, target regions, and compliance requirements.

All content on this page is for general informational and technical reference purposes only and does not constitute any form of offer, commitment, guarantee, advice, or financial opinion.

All fees, limits, supported payment methods, currencies, card types, applicable regions, and related rules are subject to change due to exchange rate fluctuations, channel adjustments, compliance requirements, risk control policies, or other business factors. Specific applicability is subject to the actual payment page, real-time system verification, and final settlement results.

Pay with Card, Apple Pay, Google Pay and Pay with Crypto are distinct payment methods with different rules, processes, and compliance requirements. Nothing on this page constitutes any form of exchange, trading, or guidance between fiat currency and crypto assets.

The content on this page does not constitute legal, tax, compliance, or regulatory advice. Merchants and users should consult professional advisors and confirm compliance with applicable laws based on their jurisdiction. Infini is not liable for any losses arising from reliance on this page.

If you have any questions or feedback about [Fiat Payment], click the green phone icon in the bottom-right corner of the Infini system and select [Message] to reach our support team.