How Monbits Pay works

A payment moves through Monbits Pay in three stages. Everything between checkout and settlement is automated.

1. Customer checks out

When a customer chooses to pay with crypto, Monbits Pay generates a unique deposit address for that specific order. Because the address is dedicated to one order, the incoming payment can be matched and reconciled automatically, with no manual lookups.

2. Payment is received

Monbits Pay detects the transaction on-chain, screens it for AML, and confirms it once it has the required confirmations. Suspicious transactions can be flagged, held and reviewed before they settle.

3. Funds settle and pay out

Settled funds appear in your dashboard, ready for one-click payouts to merchants or wallets. Payouts are API-driven and support configurable approval flows for larger amounts.

Auto-conversion

To avoid volatility between payment and settlement, incoming crypto can be automatically converted to stablecoins such as USDT or USDC, so balances stay predictable.

Next steps

• Accepting payments — integrate the gateway into your checkout.
• Payouts and webhooks — automate settlement and notifications.