Card acceptance with stablecoin settlement

Card in.
Stablecoin out.

Your customers pay with Visa or Mastercard. You get settled in USDC or USDT to your own wallet. Processing runs through licensed partners, with no upfront fees.

Apply as a merchant See how it works

No setup fee · No activation fee · No deposit before you process

Customer pays Card

€ 249.00

Visa •••• 4242 · Approved

You receive USDC · Ethereum

[NET] USDC

To your verified wallet · after the partner's settlement window

How it works

Three steps from application to your first stablecoin payout.

01

Apply and verify

Tell us about your business and website. We run a real KYB check and match you with the licensed partner that accepts your industry and countries.

02

Integrate in minutes

Install the WooCommerce or Shopify plugin, or call one REST API. Card data never touches your servers.

03

Get paid in stablecoins

Choose USDC or USDT and the network. Payouts go to a wallet you have proven you own, on the schedule you pick.

Built for merchants others turn away

E-commerce, dropshipping, subscriptions and other higher-risk models, routed to partners that actually underwrite them.

Stablecoin payouts

USDC or USDT on the network you choose. No FX loss on every payout.

Multi-partner routing

One integration, several acquirers behind it, so one closure doesn't stop your sales.

Clear reserve rules

Reserve and hold terms are written in your contract and visible in your dashboard.

Chargeback alerts

We watch your dispute ratio daily and warn you long before card-network limits.

One API. Every rail.

Create a payment, get webhooks, refund, and choose your payout asset. Plugins for WooCommerce and Shopify.

Read the docs 
curl -X POST https://api.kardena.io/payments \
  -H "api-key: snd_..." \
  -d '{
    "amount": 24900,
    "currency": "EUR",
    "payout_asset": "USDC",
    "return_url": "https://shop.example/thanks"
  }'

Simple pricing

You pay only on processed volume. Final rates depend on your industry and the partner that approves you.

Processing fee

from [RATE]%

per successful card payment

Stablecoin payout

[PAYOUT FEE]

per payout, network fee included

Setup and monthly fees

€0

nothing to pay before you process

Compliance you can check

Kardena is a technology and introduction platform. Card acquiring, settlement and stablecoin conversion are performed by licensed partners named in your merchant agreement.

  • Real KYB on every merchant — company documents, owners and website checked before going live.
  • Licensed partners, named — you see who processes your payments and under which licence.
  • Wallet screening — payout addresses are ownership-verified and AML-screened.
  • No card data stored by us — payment details are tokenised by the processing partner.

Start accepting cards. Settle in stablecoins.

Apply in about ten minutes. We reply within [RESPONSE TIME].

Apply now