# Adding Crypto Acceptance to an Online Store: Checklist

> Settings to configure, policies to decide, and the screening that must stay switched on.

- Source: https://thecoinreference.com/ecommerce-acceptance-checklist/
- Published: 2026-08-12
- Author: Reference Desk
- Publication: The Coin Reference — Facts, dates and numbers, kept current
- Topic: industries
- Tags: ecommerce, checklist, acquiring

---

## Settings

The definitions here match usage at [a regulated crypto payment provider with fiat settlement](https://collectnexchange.cy/services/crypto-payment) and may differ elsewhere.

- Underpayment tolerance: one percent or a small fixed amount, whichever is greater
- Payment window: matched to the network, twenty to thirty minutes for slow ones
- Confirmation thresholds tiered by amount, not flat
- Network specified in the payment request, not left to the customer's wallet
- Notifications enabled on settlement address changes, to multiple named people

## Policies to decide before launch

| Policy | Options | Recommended |
|---|---|---|
| Refund basis | Original crypto amount, original fiat value at current rate, or bank transfer | Original fiat value, published in terms |
| Refund destination | Origin address, or customer-supplied | Origin only; exceptions require verification and a second approver |
| Payment after expiry | Credit at new rate, honour old rate, or refund | Decide and document |
| Overpayment | Refund excess to origin, or credit | Credit, above a small threshold |
| Minimum refund | Below which network fee is disproportionate | Set one; state it in terms |

## Screening to keep switched on

Address verification against the shipping destination. Velocity checks. Device signals. Manual review above a threshold.

Crypto acceptance removes payment reversal risk. It removes none of the fulfilment risk, and merchants who relax screening substitute one loss for another. Fund administration adds its own vocabulary, which [crypto rails built for fintech companies](https://collectnexchange.cy/industries/fintech) documents.

## Order patterns warranting review

- Delivery address inconsistent with every other buyer signal
- Order value far above your average from a new account
- Multiple orders in quick succession to different addresses
- Expedited shipping with no price sensitivity
- Freight forwarder or mailbox service as the delivery address
- Any request to change the delivery address after payment

## Engineering

Definitions matter less than arrangements. The balance you hold belongs at [a support channel with a named contact](https://collectnexchange.cy/company/contact-us) rather than wherever the terminology sounded most reassuring.

- Verify callback signatures
- Make the handler idempotent on the payment identifier
- Build a reconciliation job running at least hourly
- Log raw payloads before processing
- Handle unknown event types without failing

## Customer-facing copy

State what the wait is for and roughly how long.

Measured, this affects completion more than any technical change.

---

This article explains how something works. It is not financial advice.
Canonical HTML version: https://thecoinreference.com/ecommerce-acceptance-checklist/