# Crypto

> Accepting cryptocurrency payments through Ozow.

Source: https://hub.ozow.com/payment-products/payin/crypto/

Crypto lets your customers pay from a crypto wallet, while you're paid in rand.

You never hold or handle cryptocurrency. The payment is converted to rand at the point of payment,
so what reaches your account is an ordinary rand amount and you carry no exposure to crypto price
movements.

Ozow's crypto payments are powered by MoneyBadger. For you, it behaves like any other Ozow payment
method; it appears on the Ozow payment page once it's enabled, and it settles the way your other
payments do.

## How your customer pays

1. Your customer chooses to pay with crypto at checkout.
2. They choose their crypto wallet or exchange app.
3. They confirm the payment in their app.
4. The amount is converted to rand and the payment is confirmed.
5. Your customer returns to your site.

Supported wallets and exchanges include Bitcoin Lightning wallets, Luno, VALR and Binance. Bitcoin
is supported, including over the Lightning Network, alongside major exchange-supported tokens.

## Enabling crypto

Speak to your account manager to have crypto enabled on your account.

Once it's enabled, crypto appears on the Ozow payment page automatically. There's no separate
integration and nothing to build; it works through the Ozow integration you already have.

## Things to know

**You're paid in rand, always.** The conversion happens at the point of payment, so the price of the
underlying cryptocurrency between then and your settlement is not your problem. You don't need a
crypto wallet, an exchange account, or anywhere to store digital assets.

**Your customer needs a supported wallet or exchange.** Someone holding crypto somewhere unsupported
can't pay you this way. It's an additional option for customers who already hold crypto, not a
replacement for your other payment methods.

**It's a mobile-first flow.** Paying means scanning a QR code with a wallet app, so it works best
where your customer has their phone available. Consider this if most of your traffic is desktop.

**Settlement works the same as your other payments.** Crypto payments are settled to you along with
everything else. See [Settlements](https://hub.ozow.com/payment-products/settlements-and-float/settlements.md).

## Integrating crypto

Crypto works with every Ozow integration method, and nothing crypto-specific is required; once it's
enabled on your account, it appears on the Ozow payment page automatically.

- [Redirect to Ozow](https://hub.ozow.com/integration-methods/apis/payin/redirect-to-ozow.md)
- [Embedded iframe](https://hub.ozow.com/integration-methods/apis/payin/embedded-iframe.md)
- [Embedded modal](https://hub.ozow.com/integration-methods/apis/payin/embedded-modal.md)
- [No code payment requests](https://hub.ozow.com/integration-methods/no-code/payment-requests.md)
- [Plugins and platforms](https://hub.ozow.com/integration-methods/plugins-and-platforms.md)

**Standalone crypto button.** To send customers straight to crypto and skip the payment method
selection screen, pass crypto's `institutionId`. See [Standalone payment
buttons](https://hub.ozow.com/integration-methods/apis/payin.md#standalone-payment-buttons).

**Crypto icons** for your checkout buttons are in [Brand assets](https://hub.ozow.com/payment-products/brand-assets.md).