How does Mesh accept crypto payments?

Mesh embeds directly into your platform, letting customers pay from over 300 wallets and exchanges — including Coinbase, Binance, MetaMask, and Phantom — through a single integration. You receive stablecoins or local currency with instant settlement.

Does Mesh eliminate chargebacks?

Yes. Because Mesh processes crypto-native transfers rather than card-based transactions, there are zero chargebacks, no duplicative KYC, and no failed checkouts due to card declines.

What currencies can I settle in?

Mesh supports settlement in stablecoins (such as USDC and USDT) or local fiat currency, shielding your business from crypto volatility while giving your customers flexibility to pay with any supported token.

How long does integration take?

Most teams integrate Mesh in under a week using our APIs and client-side SDKs. Mesh Link handles credential validation, multi-factor authentication, and error handling for every supported platform.

Accept Crypto Payments from Wallets & Exchanges

Q: What is SmartFunding?

SmartFunding™ increases checkout conversion by combining up to five funding sources — such as linked accounts, available balances, and real-time top-ups — into a single transaction. This means customers with insufficient balance in any one account can still complete their purchase.

The problem

"Pay with crypto" has been quietly broken.

Users hold portfolios. Merchants want one thing. The gap between them is where most crypto payments die.

01

Users hold a portfolio

Crypto holders have balances across multiple wallets and exchanges, on multiple chains, in multiple tokens — some volatile, some stable, rarely the exact asset on the exact rail a merchant accepts.

02

Merchants want one asset

A specific stablecoin or local currency, on their preferred rail, settled instantly. Anything else creates accounting, volatility, and reconciliation overhead they don't want to absorb.

03

The gap kills conversion

Conventional gateways push the work onto the user — convert, bridge, fund gas, copy a 42-character address across three apps. Each step is a drop-off. Most users do.

SmartFunding

One tap. Five sources. The right asset, settled.

SmartFunding is Mesh's intelligent routing layer. The customer pays with whatever they hold; the merchant receives exactly what they asked for. Read the full breakdown →

01

Connect

Customer connects

The customer logs into their wallet or exchange with familiar credentials. No copying addresses. No picking networks. No app-switching.

02

Route

Mesh finds the path

SmartFunding combines up to five funding sources from the connected account — multiple held tokens, available cash, linked payment methods — and picks the fastest, cheapest, most reliable route.

03

Convert

Assets convert at point of transaction

The customer's volatile asset becomes the merchant's stable asset the moment the payment clears. No settlement lag. No volatility window.

04

Settle

Merchant gets paid

A single settled payment in the merchant's configured currency — a major stablecoin or local fiat — instantly, with full transaction metadata.

Result: The customer experiences one tap. The merchant receives exactly what they configured. No volatile balance sheet exposure. No failed checkouts from address or network mismatch. No drop-off between intent and payment.

Why it works

Structurally different from the gateways that came before it.

Smart routing has been around longer than crypto. Most implementations optimize on one dimension. SmartFunding optimizes across four.

Optimized across cost, speed, and reliability

The routing engine doesn't just find the cheapest path. It evaluates routes by network finality time, gas costs, swap fees, FX spread, and reliability — meaning the path most likely to complete given current network conditions, available liquidity, and supported pairs. The customer gets the route most likely to land.

Connects to authenticated accounts, not raw addresses

The customer logs into their wallet or exchange and confirms the transfer from inside the authenticated session. No address to copy. No network to pick. The transaction executes programmatically — eliminating the entire class of address-poisoning, copy-paste, and network-mismatch failures.

Conversion happens at the point of transaction

The user's volatile asset becomes the merchant's stable asset the moment the transaction clears. The merchant never takes custody of BTC, ETH, or any volatile token — they receive the stablecoin or local fiat they configured as settlement currency. The volatility window is functionally eliminated.

Works across the whole network

SmartFunding sits above the underlying chains and venues. As the Mesh network adds new chains, new stablecoins, and new exchanges, SmartFunding gains those routing options automatically — the merchant doesn't change a line of code.

In production

Trusted by the platforms shaping crypto payments.

SmartFunding is live across enterprise payment networks and global PSPs.

In production today: SmartFunding powers crypto payments for PayPal's Pay with Crypto service and Shift4's global merchant base. Mesh's own $82M Series B was settled largely in PYUSD on Mesh's rails — institutional-scale proof that the same infrastructure powering merchant payments handles enterprise-grade transfers.

FAQ

Common questions.

From product, engineering, and finance teams evaluating Mesh.

What is SmartFunding in one sentence?

SmartFunding is Mesh's payment orchestration capability that lets a customer pay with any crypto they hold while the merchant receives instant settlement in their preferred stablecoin or local currency.

How does Mesh remove volatility risk for merchants?

The user's volatile asset converts to the merchant's chosen stable asset or local fiat at the moment of transaction. The merchant never holds the underlying volatile token, and there's no settlement lag during which prices can move. The merchant configures their settlement currency once and every transaction lands in that currency, regardless of what the user paid with.

Can SmartFunding combine multiple funding sources?

Yes. Within a connected account, SmartFunding can combine up to five funding sources — including multiple held tokens, available cash balance, and linked payment methods — into a single transaction the customer experiences as one tap. For example, an ETH balance and a PYUSD balance can both convert into USDC inside the same payment.

Which assets and chains are supported?

Mesh supports 120+ tokens across 24+ networks — including the major volatile assets (BTC, ETH, SOL) and the major stablecoins (USDC, PYUSD, USDT, RLUSD), on networks including Ethereum, Solana, Polygon, Base, Stellar, Tron, and Tempo. As the network adds new chains and stablecoins, those become available routing options automatically.

How does Mesh compare to a typical crypto payment gateway?

A conventional gateway requires the customer to send a specific token on a specific chain to a specific address. SmartFunding orchestrates within the customer's account, picks the route, handles the conversion, and delivers the merchant a single settled payment — turning a multi-step user flow into a single tap and eliminating the address and network mismatch failures that kill conversion.

Where is SmartFunding running in production?

SmartFunding powers crypto payments for PayPal's Pay with Crypto service and Shift4's global merchant base. Additional enterprise deployments are live across PSPs, wallets, exchanges, and global merchants worldwide.

How long does it take to integrate?

Most platforms go live in weeks, not months. Mesh provides modular API and SDK integrations, sandbox-to-production technical support, and the connectivity, settlement, and compliance infrastructure pre-built — so you're integrating one API, not connecting to dozens of exchanges and chains directly.

Do you handle compliance and Travel Rule requirements?

Yes. Mesh provides wallet ownership verification, signed-message attestation, KYC identity matching, and structured transfer metadata at the point of transaction — giving your compliance team the signals needed to satisfy Travel Rule, MiCA, and equivalent regimes. Your platform retains policy definition, case management, and reporting authority.

Accept crypto,
get stablecoins or fiat.

Mesh
makes it easy

The power of Mesh

Integrated

Secure

Instant

Approved

Contact Sales

"Pay with crypto" has been quietly broken.

Users hold a portfolio

Merchants want one asset

The gap kills conversion

One tap. Five sources. The right asset, settled.

Customer connects

Mesh finds the path

Assets convert at point of transaction

Merchant gets paid

Structurally different from the gateways that came before it.

Optimized across cost, speed, and reliability

Connects to authenticated accounts, not raw addresses

Conversion happens at the point of transaction

Works across the whole network

Trusted by the platforms shaping crypto payments.

Common questions.

Universal connectivity. Zero volatility. Seamless crypto payments.

Accept crypto, get stablecoins or fiat.

Meshmakes it easy

The power of Mesh

Integrated

Secure

Instant

Approved

Mesh's SmartFunding™ driveshigher checkout conversion

Contact Sales

"Pay with crypto" has been quietly broken.

Users hold a portfolio

Merchants want one asset

The gap kills conversion

One tap. Five sources. The right asset, settled.

Customer connects

Mesh finds the path

Assets convert at point of transaction

Merchant gets paid

Structurally different from the gateways that came before it.

Optimized across cost, speed, and reliability

Connects to authenticated accounts, not raw addresses

Conversion happens at the point of transaction

Works across the whole network

Trusted by the platforms shaping crypto payments.

Common questions.

Universal connectivity. Zero volatility. Seamless crypto payments.

Accept crypto,
get stablecoins or fiat.

Mesh
makes it easy

Mesh's SmartFunding™ drives
higher checkout conversion