Question 1

Is PayLio a high-risk payment gateway?

Accepted Answer

Yes. PayLio is a high-risk payment gateway, crypto payment processor and card-to-crypto exchange in one. Merchants in industries that traditional processors decline, such as forex, adult, nutra, gaming or IPTV, can accept cards and crypto without KYC or a rolling reserve, and receive every payment as USDC in their own wallet.

Question 2

What is a crypto credit card gateway?

Accepted Answer

It's a payment system that lets you accept normal credit card payments from customers but receive the money as cryptocurrency. With PayLio, every Visa, Mastercard, Apple Pay or Google Pay payment gets converted into USDC and sent to your Polygon wallet automatically.

Question 3

How does PayLio work as a fiat-to-crypto on-ramp?

Accepted Answer

Your customer pays with their credit card or mobile wallet like they normally would. On our end, we handle the conversion and send USDC to your Polygon wallet. The whole thing takes less than 30 seconds from payment to payout.

Question 4

Can my customers pay directly in crypto?

Accepted Answer

Yes. Besides card payments, PayLio processes direct crypto payments in USDT, USDC, ETH, SOL and other coins on 15 networks, including Ethereum, Tron, Solana, BNB Chain, Polygon, Base and Arbitrum. The checkout shows a deposit address and the exact amount to send, the payment is confirmed on-chain, and it is forwarded to your payout wallet automatically. Direct crypto needs a free PayLio account.

Question 5

Do I need KYC or an account to use PayLio?

Accepted Answer

Not for card payments. You can use the PayLio Payment Link Generator without identity verification (KYC) and without creating an account. Paste your USDC wallet address, set amount and currency, share the link, and receive instant USDC payouts. Direct crypto payments and the dashboard need a free account, also without KYC.

Question 6

What cryptocurrency does PayLio pay out in?

Accepted Answer

Card payments are always paid out as USDC (USD Coin) on Polygon. Since USDC is pegged to the US dollar, you don't have to worry about price swings. Direct crypto payments are forwarded in the coin and on the network your customer paid with, for example USDT on Tron or USDC on Base.

Question 7

Which payment methods does PayLio support?

Accepted Answer

Visa, Mastercard, Apple Pay, Google Pay, and SEPA bank transfers through over 15 payment providers like Stripe, Revolut, MoonPay, Wert, Ramp, Banxa, Transak, and Simplex. Customers can also pay directly in crypto such as USDT, USDC, ETH and SOL.

Question 8

Does PayLio have a WooCommerce or WHMCS plugin?

Accepted Answer

Yes. PayLio ships an official WooCommerce crypto payment plugin for WordPress stores and a WHMCS payment gateway module for hosting and SaaS billing. Both add card and crypto checkout to your existing platform with instant USDC payouts, signed webhooks, and zero chargebacks. You can also build custom integrations using the PayLio REST API.