Spend Your Crypto.
Get Paid in Crypto.
A virtual Visa card funded by your crypto — and a payment gateway that lets your business accept crypto on four chains. Two products, one platform.
Products
Two ways to
use your crypto
Whether you want to spend crypto with a Visa card or accept it as a business — PayNovaX has you covered.
For Individuals
PayNovaX Card
A virtual Visa card you fund with crypto and spend anywhere in the world.
- Deposit USDT, USDC, ETH and more across multiple networks
- Top up your card instantly from your crypto wallet
- Freeze, unfreeze, or close your card any time
- Track every transaction in real time
For Businesses
PayNovaX Merchant
Accept crypto payments with a hosted checkout, developer API, and signed webhooks.
- Create payment links with fiat-denominated prices
- Customers pay in the token and chain they choose
- Ethereum, Polygon, BSC, and Solana supported
- Withdraw crypto earnings to any external wallet
PayNovaX Card
A virtual Visa card
funded by your crypto
Deposit crypto, top up your card, and spend it anywhere Visa is accepted — online and in store. No bank account required.
Multi-network deposits
Receive USDT, USDC, ETH and other tokens across Ethereum, Polygon, BSC, and Solana into your personal wallet.
Instant card top-up
Move funds from your crypto wallet to your virtual Visa card in seconds — ready to spend anywhere Visa is accepted.
Full card control
Freeze or unfreeze your card instantly. Unload funds back to your wallet. Close the card when you no longer need it.
Reveal card details
Securely view your full card number, expiry, and CVV inside the app for online purchases.
Real-time spend tracking
Every card transaction and crypto movement is logged with full details — no surprises.
Telegram and mobile app
Manage your card through the Telegram Mini App or the native mobile app with biometric authentication and push notifications.
PayNovaX Merchant
Accept crypto payments
for your business
Payment links, a hosted checkout, and a full API — everything you need to get paid in crypto across four chains.
Payment links
Create a payment link with a fiat-denominated price. Your customer picks the token and chain — you get paid in crypto.
Hosted checkout with QR
A branded checkout page your customers can scan and pay from any wallet. Status updates in real time.
Developer API
Create payments programmatically with API keys. Full Swagger documentation and webhook delivery logs included.
Signed webhooks
Get notified the instant a payment confirms on chain. Every delivery is signed so you can verify authenticity.
Multi-chain support
Accept payments on Ethereum, Polygon, BSC, and Solana. USDT, USDC, ETH, MATIC, BNB, and SOL supported.
Crypto withdrawals
Withdraw your earnings to any external wallet address. View your per-token balances across all supported chains.
How It Works
Three steps to
start using crypto
Whether you want a card or a payment gateway, it takes minutes to get started.
Card
Sign up
Create your account in under a minute — no bank account required.
Deposit crypto
Send USDT, USDC, ETH or other supported tokens to your personal wallet address.
Top up & spend
Move funds to your virtual Visa card and spend anywhere Visa is accepted.
Sign up
Create your account in under a minute — no bank account required.
Deposit crypto
Send USDT, USDC, ETH or other supported tokens to your personal wallet address.
Top up & spend
Move funds to your virtual Visa card and spend anywhere Visa is accepted.
Merchant
Sign up
Create your merchant account and configure your accepted tokens and chains.
Create a payment link
Set a fiat-denominated price and share the link or integrate via the API.
Get paid in crypto
Customers pay through a hosted checkout with QR. You receive crypto directly to your wallet.
Sign up
Create your merchant account and configure your accepted tokens and chains.
Create a payment link
Set a fiat-denominated price and share the link or integrate via the API.
Get paid in crypto
Customers pay through a hosted checkout with QR. You receive crypto directly to your wallet.
Trusted infrastructure, built to enterprise standard
About
Built for people who
live in crypto.
Crypto holders shouldn't have to cash out just to buy a coffee. Businesses shouldn't be locked out of the fastest-growing payment rails on the planet. We built PayNovaX to fix both problems.
For individuals, we issue virtual Visa cards you can fund with crypto and spend anywhere. For businesses, we provide a payment gateway with hosted checkout, API access, and multi-chain settlement — so you can get paid in crypto without the complexity.
Privacy, speed, and simplicity sit at the core of everything we build.
Our Values
What drives us
Privacy First
Built for businesses and individuals who value financial sovereignty. No unnecessary data sharing.
Built to Fit
We build around your business, not the other way around. Every integration is tailored.
Move Fast
Launch in days, not months. Our infrastructure plugs into your existing stack.
Long-term Thinking
We're building for the next decade of finance, not chasing short-term trends.
Get In Touch
Let's build something
together.
Tell us about your business and what you need. We'll come back with a tailored solution — no templates, no compromises.
Email us directly
hello@paynovax.comResponse time
We typically respond within 24 hours
Get Started
Ready to use your
crypto?
Get a virtual Visa card or start accepting crypto payments for your business — sign up takes under a minute.