[{"data":1,"prerenderedAt":346},["ShallowReactive",2],{"api/learn-center-post-en-the-impact-of-cryptocurrencies-on-online-payments":3,"footer-en":57,"learn/crypto-101/the-impact-of-cryptocurrencies-on-online-payments-en-seo":255,"navigation-en-learn-center":260,"api/learn-categories-en":307},{"seo":4,"locale":28,"breadcrumbs":29,"excerpt":37,"featuredImage":38,"components":39,"title":5,"formattedPublishedAt":50,"geofencings":51,"category":52,"pagination":54,"campaignExternalId":8},{"title":5,"metaTitle":6,"metaDescription":7,"keywords":8,"metaRobots":8,"structuredData":9,"metaImage":10,"metaSocial":18,"canonicalURL":8,"localizations":19},"The Impact of Cryptocurrencies on Online Payments","The Impact of Cryptocurrencies on Online Payments | Bitstamp by Robinhood","What is the impact of cryptocurrencies on online payments? Read our guide to online payments and start trading on Bitstamp by Robinhood – the original crypto exchange.",null,{},{"url":11,"mime":12,"ext":13,"width":14,"height":15,"name":16,"alt":17},"bitstampImageUrl/Impact_of_cryptocurrencies_on_online_payments_1png_20fa6ac523_115dc16e9f.png","image/png",".png",1920,1080,"Impact_of_cryptocurrencies_on_online_payments_1png_20fa6ac523.png","",[],[20,23,26],{"pathname":21,"locale":22},"/en-gb/learn/crypto-101/the-impact-of-cryptocurrencies-on-online-payments/","en-GB",{"pathname":24,"locale":25},"/es/learn/crypto-101/the-impact-of-cryptocurrencies-on-online-payments/","es",{"pathname":27,"locale":28},"/learn/crypto-101/the-impact-of-cryptocurrencies-on-online-payments/","en",[30,34],{"id":31,"text":32,"url":31,"asUrl":33},"/learn/crypto-101/","Crypto 101",true,{"id":35,"text":5,"url":27,"asUrl":36},"the-impact-of-cryptocurrencies-on-online-payments",false,"\u003Cp>Cryptocurrencies offer an opportunity to reduce the friction and costs of online payments thanks to a host of features, including peer-to-peer transactions, fast settlement, and blockchain security.\u003C/p>\n",{"url":11,"mime":12,"ext":13,"width":14,"height":15,"name":16,"alt":17},[40],{"component":41,"props":42,"content":43,"secondaryContent":47,"ctas":48,"secondaryCtas":49,"ctasNoMarginTop":36},"section.full-text",{"centered":36,"withoutSectionContainer":36},{"text":44,"width":45,"align":46},"\u003Cp>Prior to the launch of Bitcoin, researchers had been attempting to launch a reliable, standalone form of digital cash that didn’t depend on any trusted central intermediary for several decades. In 2008, \u003Ca href=\"/learn/people-profiles/satoshi-nakamoto/\">Satoshi Nakamoto\u003C/a> published the \u003Ca href=\"/learn/crypto-101/bitcoin-whitepaper/\">Bitcoin whitepaper\u003C/a> which describes a “peer-to-peer version of electronic cash,” marking the first successful real-world implementation of cryptocurrency as a form of payment.\u003C/p>\n\u003Cp>Since the launch of Bitcoin, blockchain technology has developed for a wider range of use cases thanks to the emergence of \u003Ca href=\"/learn/crypto-101/how-do-smart-contracts-work/\">smart contracts\u003C/a> platforms such as \u003Ca href=\"/learn/cryptocurrency-guide/what-is-ethereum-eth/\">Ethereum\u003C/a>. However, payments still remain a core functionality, with Ethereum being heavily used to facilitate stablecoin payments which highlights the value and demand for decentralized forms of payment.\u003C/p>\n\u003Cp>The growing popularity of cryptocurrency over recent years and the opportunities to modernize and streamline existing fiat payment systems have sparked worldwide interest in digital money. This interest extends to the development of several central bank digital currency (CBDC) projects designed to deliver forms of digital cash for governments that can serve as an alternative to physical money. However, it’s worth noting that not all these endeavors are based on blockchain or distributed ledger technology.\u003C/p>\n\u003Ch2>Advantages and Disadvantages of Cryptocurrency Payments\u003C/h2>\n\u003Cp>The main benefit of cryptocurrency payments is that they are peer-to-peer and don’t rely on an intermediary, which helps reduce transaction costs. Whereas a credit card provider can charge as much as 3.5% in fees, transacting via blockchain can be done for a fraction of that amount.\u003C/p>\n\u003Cp>By removing intermediaries, it’s possible to settle payments via a blockchain in minutes or even seconds, whereas many traditional retail fiat payments can take days or weeks to reach an account.\u003C/p>\n\u003Cp>Further, the lack of intermediaries enables users to not need to maintain accounts with financial institutions. According to the FDIC, many unbanked people in the US alone choose to not have a bank account due to the general lack of trust in banks, high fees, privacy concerns, or because they might not have enough money to meet account minimums.\u003C/p>\n\u003Cp>Cryptocurrency transactions are also highly secure, witnessed by a global network of computers (nodes), and recorded immutably on the blockchain’s ledger. The decentralized node network also helps protect against hacks and malicious attacks where transactions or personal data could be compromised.\u003C/p>\n\u003Cp>On the other hand, with the exception of \u003Ca href=\"/learn/crypto-101/what-are-stablecoins/\">stablecoins\u003C/a>, cryptocurrencies are notoriously volatile, making them undesirable for many merchants seeking a stable form of income. Volatility may also reduce the effectiveness of cryptocurrencies as a store of value, and it makes crypto generally difficult for pricing goods and services.  \u003C/p>\n\u003Cp>Scalability is another challenge. Although the last few years have seen increasing adoption of high-speed blockchains such as \u003Ca href=\"/learn/cryptocurrency-guide/what-is-solana-sol/\">Solana\u003C/a>, or \u003Ca href=\"/learn/blockchain/what-are-layer-2-solutions/\">Layer 2 solutions\u003C/a> like \u003Ca href=\"/learn/cryptocurrency-guide/what-is-polygon-matic/\">Polygon\u003C/a>, or Bitcoin’s \u003Ca href=\"/learn/blockchain/what-is-the-lightning-network/\">Lightning Network\u003C/a> (LN), the lack of scalability of legacy platforms such as Bitcoin or Ethereum has proven to be a factor limiting adoption and results in volatile and high fees during periods of peak demand. Bitcoin, for example, could only handle around seven transactions per second prior to the LN integration, compared to 24,000 on the Visa network.\u003C/p>\n\u003Ch2>Crypto Payment Gateways and Processors\u003C/h2>\n\u003Cp>Merchants choosing to accept cryptocurrencies have one of two options.\u003C/p>\n\u003Cp>First, they can set up a \u003Ca href=\"/learn/crypto-101/how-to-choose-the-right-crypto-wallet/\">wallet\u003C/a> for handling payments manually, which is the cheapest way to accept crypto, but comes with some complexity and level of know-how. The merchant may end up being responsible for custody of their own crypto, possibly requiring multiple wallets and maintaining appropriate \u003Ca href=\"/learn/security/what-are-private-and-public-keys/\">private key\u003C/a> security. This approach also means they need to use an exchange or other third-party to convert their crypto into fiat if desired.\u003C/p>\n\u003Cp>Payment gateways have emerged as a solution that enables merchants to accept crypto while overcoming some of the challenges of handling payments directly. For a fee, a payment gateway such as BitPay, Coingate, or Coinbase Commerce will provide the merchant with a crypto address for their payment portal, can handle conversions into fiat, and may also be able to custody crypto for merchants who prefer to accept digital currency payments.\u003C/p>\n\u003Cp>Payment gateways also often offer additional support with administrative matters such as invoicing or tax reporting.\u003C/p>\n\u003Cp>The main drawback of using a payment gateway is that it costs significantly more than handling manual payments and loses some of the decentralization benefits of cryptocurrencies. This is because payment gateways are typically based at least partly on centralized infrastructure, introducing potential risks such as hacks or downtime.\u003C/p>\n\u003Ch2>How Cryptocurrency Payments are Changing the E-commerce Landscape\u003C/h2>\n\u003Cp>The drawbacks of payment gateways are usually seen as minor compared to the time and effort it takes to maintain manual wallets, making them popular among merchants wanting to accept crypto. As such, cryptocurrencies are demonstrating their potential for improving payment systems – both in the e-commerce sector and beyond.\u003C/p>\n\u003Cp>The benefits of making payments using crypto are so far-reaching that the International Monetary Fund has recognized the efforts of the private sector in this regard and has urged the public sector to leverage the technology in order to upgrade payments infrastructure to be more interoperable, safe, and efficient.\u003C/p>\n\u003Ch2>Integration of Cryptocurrency Payments with Traditional Payment Systems\u003C/h2>\n\u003Cp>While the integration of cryptocurrencies and blockchain into traditional payment systems may appear to be slow, there has been considerable progress over recent years.\u003C/p>\n\u003Cp>First, the advent of stablecoins was one of the first major steps towards integrating crypto within traditional finance and financial payment systems.\u003C/p>\n\u003Cp>For example, PayPal’s initial move into cryptocurrency in 2020 was partly credited with triggering the subsequent bull market. PayPal has since expanded its crypto offering several times, incorporating merchant integration and trading services.\u003C/p>\n\u003Cp>Other payment giants have also made moves to integrate crypto into their legacy infrastructure, most notably Visa and Mastercard. Visa was the first to partner with a crypto-native firm for a prepaid credit card and has since gone on to enable acceptance of payments in the \u003Ca href=\"/learn/cryptocurrency-guide/what-is-usd-coin-usdc/\">USDC\u003C/a> stablecoin and has become a crypto advisory service for financial institutions.\u003C/p>\n\u003Cp>Mastercard has also integrated USDC payments, participated in the testing of central bank digital currencies, and partnered with Bakkt to enable its customers to offer crypto-related services.\u003C/p>\n\u003Ch2>Crypto and online payments essentials\u003C/h2>\n\u003Cul>\n\u003Cli>The first use case for Bitcoin, as the first cryptocurrency, was peer-to-peer payments.\u003C/li>\n\u003Cli>Advantages of crypto payments include fast settlement, lower fees, and high security, but crypto’s volatility and lack of scalability on legacy platforms can be barriers.\u003C/li>\n\u003Cli>The increasing availability of crypto payment processors has made it easier for merchants to accept crypto, demonstrating the potential for broader adoption.\u003C/li>\n\u003C/ul>\n","full","left",{"text":17},[],[],"August 23rd, 2023",{},{"title":32,"url":31,"geofencings":53},{},{"previous":55,"next":56},"/learn/crypto-101/the-history-of-cryptocurrency/","/learn/crypto-101/the-impact-of-cryptocurrencies-on-the-environment/",{"ready":33,"sections":58,"disclaimer":253,"copyright":254},[59,102,130,153,190,209],{"title":60,"content":17,"items":61},"About",[62,67,72,77,82,87,92,97],{"noFollow":33,"isExternal":36,"name":63,"value":64,"isEmail":36,"isPhoneNumber":36,"isText":36,"showOnDesktop":33,"showOnMobile":33,"attachment":65,"geofencings":66},"Who We 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Kingdom",{},{},{"title":210,"content":17,"items":211},"Contact",[212,217,221,225,229,233,238,243,248],{"noFollow":36,"isExternal":36,"name":213,"value":214,"isEmail":36,"isPhoneNumber":36,"isText":36,"showOnDesktop":33,"showOnMobile":33,"attachment":215,"geofencings":216},"Customer 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20 3868 9628","+442038689628",{},{},{"noFollow":36,"isExternal":36,"name":239,"value":240,"isEmail":36,"isPhoneNumber":33,"isText":36,"showOnDesktop":33,"showOnMobile":33,"attachment":241,"geofencings":242},"+1 800 712 5702","+18007125702",{},{},{"noFollow":36,"isExternal":36,"name":244,"value":245,"isEmail":36,"isPhoneNumber":33,"isText":36,"showOnDesktop":33,"showOnMobile":33,"attachment":246,"geofencings":247},"+352 20 88 10 96","+35220881096",{},{},{"noFollow":36,"isExternal":36,"name":249,"value":250,"isEmail":36,"isPhoneNumber":33,"isText":36,"showOnDesktop":33,"showOnMobile":33,"attachment":251,"geofencings":252},"+65 3105 1676","+6531051676",{},{},"\u003Cp>Please read the general \u003Ca href=\"/legal/risk-warning/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Risk Warning\u003C/a>, and \u003Ca href=\"/legal/uk-investment-risk-warning/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Risk Summary\u003C/a> for UK residents before investing in crypto-assets. \u003C/p>\n\u003Cp>Crypto-assets services are provided by the following Bitstamp legal entities depending on client residency: (1) Bitstamp Europe S.A., which is authorized by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg as a payment institution (licence number Z00000012) and crypto-asset service provider (licence number N00000003); Registered address: 40, avenue Monterey, L-2163 Luxembourg, Grand Duchy of Luxembourg; Registration number: B196856; (2) Bitstamp UK Ltd., which is registered with the Financial Conduct Authority (FCA) in the UK for the provision of certain cryptoassets activities under the Money Laundering Regulations (Firm Reference Number 978690); Registered address: 5 New Street Square, EC4A 3TW London, United Kingdom; Registration number: 14174243; (3) Bitstamp Ltd.with its registered address at 5 New Street Square, EC4A 3TW London, United Kingdom and registration number: 8157033; (4) Bitstamp Global Ltd., which is registered as a Virtual Asset Service Provider in the British Virgin Islands and is supervised by the British Virgin Islands Financial Services Commission (FSC); Registered address: Floor 4, Banco Popular Building, Road Town, Tortola VG1110, British Virgin Islands; Registered number: 2086429; and (5) Bitstamp Asia Pte Ltd, which is authorized by the Monetary Authority of Singapore (MAS) as a major payment institution (licence number PS20200667); Registered address: 63 Chulia Street, OCBC Centre East, #15-01, Singapore 049514; Registered number: 202016687K;\u003C/p>\n\u003Cp>Virtual currency services to US residents are provided by Bitstamp USA, Inc., which is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Licensed as a Money Transmitter by the New York State Department of Financial Services. Review a \u003Ca href=\"/legal/usa-inc/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">list of its licenses and other registrations\u003C/a> (NMLS number \u003Ca href=\"https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1905429\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">1905429\u003C/a>) for more information; Registered address: 85 Willow Road, Menlo Park, CA 94025, United States of America; Registered number: 5481543.\u003C/p>\n\u003Cp>Investment services with regards to trading in crypto derivatives are provided by Bitstamp Financial Services Ltd., which is authorized and supervised by the Slovenian Securities Market Agency (ATVP) as a MiFiD investment firm. Trading crypto derivatives carries significant risks and may result in substantial losses. Please trade responsibly and ensure you understand the associated risks. You can find more about the risks \u003Ca href=\"/legal/financial-services/general-terms-and-conditions/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">here\u003C/a>. To help you understand the risks involved we have put together a series of \u003Ca href=\"/derivatives/key-information-documents/\" target=\"_blank\" rel=\"noopener noreferrer\">Key Information Documents (KIDs)\u003C/a> highlighting the risks and rewards related to each derivatives contract. Crypto derivatives trading is not available to customers in the US, Canada, Japan and some other countries. Bitstamp Financial Services Ltd. does not provide crypto-asset services.\u003C/p>\n\u003Cp>To find out more about which Bitstamp entity you receive services from, please check the Profile/My information in your Bitstamp account. You can read more about our legal terms, policies and disclosures \u003Ca href=\"/legal/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">here\u003C/a>.\u003C/p>\n","\u003Cp>All rights reserved © 2026 Bitstamp by Robinhood. \u003Ca href=\"https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1905429\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">NMLS #1905429\u003C/a>\u003C/p>\n",{"description":7,"ogDescription":7,"ogImage":256,"twitterImage":256,"twitterSite":257,"twitterCreator":257,"twitterCard":258,"twitterTitle":6,"twitterDescription":7,"titleTemplate":259},"https://assets.bitstamp.net/msc/_ipx/enlarge_true&f_png&fit_cover&q_85&s_1200x630/bitstampImageUrl/Impact_of_cryptocurrencies_on_online_payments_1png_20fa6ac523_115dc16e9f.png","@Bitstamp","summary_large_image","%s",{"items":261,"ready":33,"platformButtonText":303,"backButtonText":304,"logInButtonText":305,"signUpButtonText":306},[262,266,269,272,275,278,281,286,289,294,299],{"headerName":263,"sidemenuName":134,"url":135,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":264,"submenu":265,"tag":17},"Institutions",{},[],{"headerName":126,"sidemenuName":126,"url":127,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":267,"submenu":268,"tag":17},{},[],{"headerName":149,"sidemenuName":149,"url":150,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":270,"submenu":271,"tag":17},{},[],{"headerName":106,"sidemenuName":106,"url":107,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":273,"submenu":274,"tag":17},{},[],{"headerName":116,"sidemenuName":116,"url":117,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":276,"submenu":277,"tag":17},{},[],{"headerName":121,"sidemenuName":121,"url":122,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":279,"submenu":280,"tag":17},{"geofencing-uk":33},[],{"headerName":282,"sidemenuName":282,"url":283,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":284,"submenu":285,"tag":17},"Markets","/markets/",{},[],{"headerName":111,"sidemenuName":111,"url":112,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":287,"submenu":288,"tag":17},{},[],{"headerName":290,"sidemenuName":290,"url":291,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":292,"submenu":293,"tag":17},"Blog","https://blog.bitstamp.net/",{},[],{"headerName":295,"sidemenuName":295,"url":296,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":297,"submenu":298,"tag":17},"Learn","/learn/",{},[],{"headerName":300,"sidemenuName":300,"url":107,"noFollow":36,"showInHeader":36,"showInSidemenu":33,"geofencings":301,"submenu":302,"tag":17},"Get Bitstamp by Robinhood app",{},[],"Go to platform","Back","Log in","Get started",[308,312,316,318,322,326,330,334,338,342],{"title":309,"url":310,"geofencings":311},"Blockchain technology","/learn/blockchain/",{},{"title":313,"url":314,"geofencings":315},"Company profiles","/learn/company-profiles/",{},{"title":32,"url":31,"geofencings":317},{},{"title":319,"url":320,"geofencings":321},"Crypto definitions","/learn/crypto-definitions/",{},{"title":323,"url":324,"geofencings":325},"Crypto trading","/learn/crypto-trading/",{},{"title":327,"url":328,"geofencings":329},"Cryptocurrency guide","/learn/cryptocurrency-guide/",{"geofencing-uk":33},{"title":331,"url":332,"geofencings":333},"People profiles","/learn/people-profiles/",{},{"title":335,"url":336,"geofencings":337},"Security","/learn/security/",{},{"title":339,"url":340,"geofencings":341},"Tutorials","/learn/bitstamp-tutorials/",{},{"title":343,"url":344,"geofencings":345},"Web3","/learn/web3/",{},1773313016430]