UMVA Pay FAQs

UMVA Pay is a no-KYC crypto payment gateway that allows businesses to accept cryptocurrency payments from customers worldwide. We support 50+ cryptocurrencies across major blockchain networks. Payments are settled instantly to USDT, eliminating volatility risk. No KYC (identity verification) is required to start accepting payments.

No. No KYC is required. You can start accepting crypto payments immediately without uploading any identification documents or providing personal information. Simply create an account, get your API keys, and start accepting payments. Your privacy is our priority.

Sign up for a UMVA account, navigate to UMVA Pay, and generate your API keys. You can then integrate our payment gateway into your website, app, or platform using our REST API. We provide checkout links, payment buttons, and webhooks for seamless integration.

You need a USDT wallet address (TRC20 or BEP20) to receive settlements. All payments are automatically converted to USDT at live market rates and sent to your wallet. You can update your settlement wallet address anytime from your dashboard.

There is no maximum transaction limit with UMVA Pay. The minimum transaction amount is $1 USD equivalent. You can accept payments of any size, from micro-transactions to large enterprise invoices, with the same low fees and instant settlement.

UMVA Pay is available to businesses and individuals worldwide. Since we do not require KYC, there are no country-based restrictions imposed by identity verification. However, you must comply with your local laws regarding cryptocurrency transactions. If you have specific questions about your region, contact our support team.

We support 50+ cryptocurrencies including USDT (TRC20, BEP20, ERC20), USDC (TRC20, BEP20, ERC20), Bitcoin (BTC), Ethereum (ETH), Binance Coin (BNB), Litecoin (LTC), TRON (TRX), Solana (SOL), and many more. We continuously add new coins and networks based on demand.

Yes. Customers can pay with any supported cryptocurrency. Our system automatically converts their payment to USDT at the current market rate and settles the USDT equivalent to your wallet. This protects you from crypto price volatility and gives customers the flexibility to pay with the coins they hold.

We support multiple blockchain networks including Bitcoin, Ethereum (ERC20), Binance Smart Chain (BEP20), TRON (TRC20), Solana, Litecoin, and more. We are constantly adding new networks. You can view the full list of supported networks in your UMVA Pay dashboard under the supported assets section.

Yes. We actively monitor the crypto market and add new coins and blockchain networks based on customer demand and market trends. If there is a specific coin or network you need, let us know and we will prioritize adding it. Contact our support team with your request.

Conversion rates are determined using live price feeds from major cryptocurrency exchanges aggregated in real time. The rate at the moment of payment is locked in for that transaction. Both you (the merchant) and your customer see the same conversion rate, ensuring transparency.

The minimum payment amount varies by cryptocurrency and network due to blockchain transaction fees. Generally, the minimum is set to ensure the payment covers the network fee. In your dashboard, you can find the minimum thresholds for each supported coin and network.

We offer multiple integration options: REST API for custom integrations, direct checkout links you can share with customers, embeddable payment buttons, and ready-made plugins. Detailed API documentation with code examples in PHP, Python, Node.js, and other languages is available in your UMVA Pay dashboard.

A checkout link is a shareable URL that takes customers directly to a payment page where they can pay in their preferred cryptocurrency. You can create checkout links with fixed amounts from your dashboard or via API. These links are perfect for invoices, email campaigns, and one-off payments without building a full integration.

Yes. We provide customizable payment buttons that you can embed directly on your website. Simply copy and paste a short HTML snippet, and your customers can click to pay. Buttons support any amount, multiple cryptocurrencies, and custom styling to match your brand.

Yes. We provide real-time webhooks for payment notifications. Receive instant callbacks when a payment is created, confirmed, or settled. Webhooks allow you to automate order fulfillment, update customer records, send confirmation emails, and trigger post-payment workflows instantly.

IPN callbacks are HTTP POST requests sent to a URL you specify whenever a payment status changes. Each callback includes a unique HMAC signature header for verification. You must respond with a 200 OK status to acknowledge receipt. We provide sample validation code to ensure the callbacks are authentic and not tampered with.

Yes. UMVA Pay offers a test mode (sandbox environment) where you can simulate payments using testnet coins or simulated transactions. This allows you to integrate and test your checkout flow, webhooks, and settlement logic without using real funds. Test mode is enabled from your dashboard with a single toggle.

We provide comprehensive API documentation, code examples in multiple programming languages, and responsive technical support via ticket and live chat. Our documentation covers authentication, creating payments, webhook handling, error codes, and best practices for securing your integration.

Settlement is instant. Once a payment is confirmed on the blockchain, the USDT equivalent is immediately sent to your wallet. No waiting periods, no payment holds, no reserve requirements. Your money is available the moment the transaction is confirmed on the blockchain.

You can set or update your settlement wallet address from your UMVA Pay dashboard at any time. We support USDT wallets on TRC20 (TRON) and BEP20 (Binance Smart Chain) networks. Make sure you enter a valid address for the correct network, as transactions to wrong networks cannot be recovered.

There is no minimum payout amount for settlements. Every payment, regardless of size, is settled instantly to your wallet. Whether you receive $1 or $100,000, the full USDT equivalent is sent to your wallet immediately after blockchain confirmation.

All incoming crypto payments are automatically converted to USDT at live market rates from major exchanges. This auto-conversion protects you from market volatility — you always receive the stable USDT equivalent of what your customer paid, regardless of what happens to the coin price after the transaction.

The conversion rate is locked in at the moment the payment is initiated by your customer. Even if the market moves significantly during blockchain confirmation, your settlement amount is guaranteed at the locked rate. You are never exposed to price volatility during the confirmation window.

Currently, settlements are made in USDT (TRC20 or BEP20). USDT provides the broadest compatibility across exchanges and wallets. If you have specific settlement requirements, such as USDC or a different network, please reach out to our team and we will consider adding support.

UMVA Pay charges competitive processing fees. There are no setup fees, no monthly fees, and no hidden charges. You only pay a small percentage per transaction. The exact fee rate is displayed in your dashboard. Crypto payments also receive a +10% bonus on deposits.

No. There are zero setup fees, zero monthly maintenance fees, and zero annual fees. You only pay when you process a payment. This makes UMVA Pay ideal for businesses of all sizes, from startups processing a few payments to enterprises handling thousands of transactions.

No. We believe in complete transparency. The processing fee displayed in your dashboard is the only fee you pay. There are no hidden charges, no withdrawal fees, no statement fees, and no cancellation fees. What you see is exactly what you get.

Yes. We offer reduced processing rates for high-volume merchants. If your business processes significant transaction volume, contact our sales team to discuss custom pricing. Volume discounts are evaluated based on monthly transaction volume and average transaction size.

Blockchain network fees (gas fees) are paid by the customer who initiates the transaction. These network fees go to blockchain miners or validators, not to UMVA. This means your settlement amount is never reduced by network congestion or high gas fees.

No. Cryptocurrency transactions are irreversible. Once a payment is confirmed on the blockchain, it cannot be charged back or disputed. This eliminates fraud risk, dispute fees, and the uncertainty of payment reversals that come with traditional payment processors.

UMVA Pay employs multiple fraud prevention measures including real-time transaction monitoring, IP geolocation checks, velocity controls, and suspicious pattern detection. Additionally, the irreversible nature of blockchain transactions provides inherent protection against payment fraud.

Since crypto transactions are irreversible, traditional chargebacks do not apply. If a customer has an issue with an order, it is handled directly between you and your customer, similar to cash transactions. We recommend having clear refund and dispute policies for your customers.

No KYC is required for merchants to use UMVA Pay. However, we encourage all merchants to comply with applicable AML (Anti-Money Laundering) regulations in their jurisdiction. We provide tools and documentation to help you implement compliant payment flows.

Refunds are processed at your discretion. Since the original payment is non-reversible, you would initiate a new outbound payment to your customer for the refund amount. The refund can be in USDT or another supported cryptocurrency, minus the original processing fee.

UMVA Pay supports a wide range of industries including e-commerce and online stores, SaaS and web services, digital goods and downloads, gaming and iGaming platforms, freelancing and services, adult platforms, charity and donations, trading and exchange platforms, travel and hospitality, and AI and automation platforms.

Yes. UMVA Pay is well-suited for high-risk industries that struggle with traditional payment processors. Since we operate with crypto and do not require KYC, businesses in industries like adult content, CBD, forex, gaming, and others can accept payments without the restrictions imposed by traditional gateways.

We do not support businesses engaged in illegal activities, money laundering, sanctions violations, or any activity prohibited by applicable law. All businesses must comply with their local regulations. If you are unsure whether your business is supported, please contact our team.

UMVA Pay operates as a decentralized payment processor. While we do not enforce KYC, we recommend that businesses consult with legal counsel to ensure compliance with their local regulations regarding cryptocurrency payments, tax reporting, and money transmission laws.

Your UMVA Pay dashboard provides complete control over your payment gateway. You can view transaction history and analytics, generate API keys, create checkout links, manage settlement wallet addresses, configure webhooks, enable test mode, view fee schedules, and download transaction reports.

API keys are generated from your UMVA Pay dashboard settings. You can create multiple API keys for different environments (production, test) or different integrations. Each key can be labeled and revoked individually. We recommend rotating keys periodically and never sharing them publicly.

Your dashboard provides detailed reports including daily, weekly, and monthly transaction summaries, settlement reports, fee breakdowns, and customer payment analytics. Reports can be exported as CSV or PDF for accounting and reconciliation purposes.

You can reach our support team via live chat from your dashboard, by opening a support ticket, or by email. Our team is available to help with integration questions, account issues, transaction inquiries, and any other questions you may have about UMVA Pay.