Payment metrics
No-KYC payment limits with AML checks, KYC for large transactions, real-time processing, average settlement time, success rate, and low complaint rate.
3D Secure
3D Secure helps prevent fraud and keeps your customers’ payments safe and secure.
No KYC
CoindPay’s Fast Track feature is designed to streamline the crypto purchasing process for new users, allowing quick transactions without the need for complete ‘Know Your Customer’ (KYC) verification up to a cumulative limit of €700.
How Fast Track works:
Fast Track is available to users who have not yet completed KYC and whose total purchases and sales remain below €700.
Please note that U.S. users are not eligible for this feature.
Here’s how the user journey for Fast Track works:
For purchases below the €700 limit, users can select Fast Track at checkout.
If the option does not appear, it means the user has exceeded the cumulative limit or already completed KYC.
During checkout, users will be prompted to enter personal data for transaction processing.
The Fast Track service carries a dynamic fee, averaging around 2%. The exact fee and exchange rate are displayed transparently on the checkout screen so users can review the final cost before confirming their transaction.
Why use Fast Track?
Speed: skip the full KYC process for quick, low-limit crypto payments & settlement.
Transparent fees: see the total cost and rate difference at checkout.
Promote growth: this feature helps more users experience crypto purchases and increases the number of users who eventually complete full KYC.
Need KYC
For Payments/On-Ramps, CoindPay typically triggers additional KYC or enhanced verification only when a user’s cumulative transaction volume exceeds €700. However, KYC may also be required below this threshold if the user is flagged by anti-fraud systems, which can occur for various unpredictable risk indicators.
Once a user has successfully completed KYC, CoindPay generally does not require identity verification again for subsequent purchases, provided that:
The user logs in with the same account
The device, IP, and region remain consistent
No risk or compliance rules are triggered
Their cumulative transaction volume is below the €700 threshold
Under normal circumstances, repeat purchases are processed without any additional KYC steps
When might CoindPay require additional or repeated KYC?
Additional verification may be required if any of the following conditions occur:
Cumulative volume exceeds €700
Crossing the €700 limit triggers enhanced compliance checks under CoindPay’s risk policies.
Higher purchase limits needed
User exceeds basic limits and needs to unlock higher KYC tiers (address verification, proof of funds, etc.).
Country/region changes
The IP, payment card country, or geolocation differs from prior KYC data.
New payment method added
Switching or adding a new card may require additional verification.
Risk or suspicious activity detected
Unusual patterns trigger CoindPay’s risk engine, which may require re-verification.
Long inactivity period
Some regions require KYC refresh after prolonged inactivity.
Typical User Experience
First purchase: Full KYC completed.
Subsequent purchases: No repeated KYC required.
Only when cumulative purchases exceed €700 or certain risk conditions apply will additional checks appear.
This ensures smooth repeat transactions while maintaining regulatory compliance.
CoindPay’s KYC (Know Your Customer) sharing system streamlines user identity verification by integrating with partners and third-party providers like SumSub. This process ensures compliance with regulatory requirements, while minimizing repeated verification steps for users.
When users complete KYC directly within CoindPay’s widget or wallet, the verification typically includes:
Identity verification via passport, ID card, or driver’s license.
Liveness verification (selfie or video).
Address confirmation (required for IBAN and card features; for cards, address is entered without document upload).
Phone number verification (required for IBAN feature).
Special considerations
US residents: KYC for US users requires additional processing through ZeroHash. If verification fails, CoindPay handles the case accordingly.
KYC renewal: KYC status can expire, requiring users to re-verify.
Error handling: Common errors include invalid parameters or failed verification attempts. Support is available for resolution.
Order Metrics 📊
1. Order Settlement Time
Typical Range: Between 5 minutes and several hours.
Factors Influencing Time:
Payment Method: Bank transfers may take longer than card payments.
Blockchain Network: Different blockchains have varying confirmation times.
AML/KYC Checks: Compliance procedures can add to the processing time.
Note: Specific settlement times can vary based on the above factors and may differ between transactions.
2. Payout assets
For fiat payments, we currently settle all payments in Stablecoin
Please pay attention to your main receiving wallet and blockchain
Payments support USDT/USDC on EVM and SVM networks by default. Please confirm that your connected wallet matches the correct network in your account settings.
USDC Settlement
EVM
Base
SVM
Solana
USDT Settlement
EVM
BSC
SVM
Solana
On/Off-Ramps support 450+ assets across 30+ networks. When creating Ramp orders, ensure that your selected asset type matches the corresponding wallet address.
3. Refund Rate
Typical Range: Generally low; however, exact figures are not publicly disclosed.
Influencing Factors:
Transaction Disputes: Chargebacks or disputes can lead to refunds.
User Errors: Mistakes during the transaction process.
Fraudulent Activities: Fraudulent transactions may result in refunds.
Note: For precise refund rates, it's recommended to consult CoindPay's official documentation or contact their support team.
4. Refund Processing Time
Typical Range: From a few minutes to several hours.
Factors Influencing Time:
Payment Method: Refunds to bank accounts may take longer than to crypto wallets.
Blockchain Network: Different blockchains have varying transaction times.
AML/KYC Checks: Compliance procedures can add to the processing time.
Note: Specific refund processing times can vary based on the above factors and may differ between transactions.
5. Refund Scenes
Overpayment: The customer sends more than the required amount.
Underpayment: The customer sends less than the required amount.
Payment Timeout: The customer fails to complete the payment within the specified time.
Fraudulent Transactions: Transactions identified as fraudulent may be refunded.
User Disputes: Customers may request refunds due to various reasons.
Note: Each refund scenario may have different processing times and procedures.
Monitoring
1. Overview
Dispute / Chargeback: A payment reversed due to a customer dispute.
Confirmed Fraud: Transactions identified as fraudulent.
Key Principle: Monitoring programs focus on preventing disputes and fraud, rather than outcomes of individual cases.
CoindPay continuously monitors merchant performance and provides support to reduce disputes or fraud. Merchants may be asked to provide details about:
Checkout / user flow
Recent changes in operations
Measures to reduce risk
The goal is to ensure both merchant performance and the overall payment system remain healthy and compliant.
2. Monitoring Programs
Visa Monitoring Program (VAMP)
VAMP monitors disputes, fraud, and card testing activity. Every month, CoindPay calculates metrics based on Visa reports from the previous month.
VAMP Count
Total number of disputes and fraud (from TC15 and TC40 reports)
Non-compliant: 5 Excessive: 150 in CEMEA / 1,500 elsewhere
VAMP Ratio
Ratio of disputes/fraud count to total captured payments
Non-compliant: 0.5% Excessive: 1.5% in LAC, 2.2% elsewhere (from May 15, 2025) From Apr 1, 2026: 2.2% in CEMEA, 1.5% elsewhere
VAMP Volume
USD value of disputes and fraud
Excessive: 75,000 USD in CEMEA; N/A elsewhere
Enumeration Monitoring tracks card testing attempts:
VAMP Enumeration Count
300,000
VAMP Enumeration Ratio
20%
Note: No fines are assessed for enumeration monitoring, but merchants should mitigate card testing activity.
Visa Secure Excessive Fraud Program (US Only)
Fraud volume (3DS authenticated)
75,000 USD
None, but liability shift lost until exit
Fraud rate
0.9%
None, same as above
Mastercard Monitoring Programs
Excessive Chargeback Program (ECP)
Levels: ECM (Excessive Chargeback Merchant) and HECM (High ECM)
ECM
100-299
1.5-2.99%
Month 2-3: 1,000 USD Month 4-6: 5,000 USD Month 7-11: 25,000 USD Month 12-18: 50,000 USD Month 19+: 100,000 USD
HECM
300+
3%
Month 2: 1,000 USD Month 3: 2,000 USD Month 4-6: 10,000 USD Month 7-11: 50,000 USD Month 12-18: 100,000 USD Month 19+: 200,000 USD
Issuer recovery assessment applies additional 5 USD per chargeback over 300 in ECM/HECM.
Excessive Fraud Merchant (EFM) Program
Criteria:
Minimum 1,000 e-commerce Mastercard payments
Net fraud volume >50,000 USD (AU: 15,000 USD)
Fraud chargeback rate >0.50% (AU: 0.20%)
3DS usage ≤10% (non-regulated) or ≤50% (regulated countries)
Fines over months follow the same schedule as ECM/HECM:
1
0 USD
2
500 USD
3
1,000 USD
4-6
5,000 USD
7-11
25,000 USD
12-18
50,000 USD
19+
100,000 USD
Merchants can request one suspension if confident of remaining below thresholds.
AusPayNet Monitoring Programs (AU Only)
Fraud Monitoring Program (FMP) tracks Card-Not-Present (CNP) fraud:
Fraud chargeback amount
>50,000 AUD / quarter
Implement fraud controls, consider SCA
Fraud-to-sales ratio
≥0.20%
Same as above
Progressive remediation:
1
Implement fraud controls (risk-based SCA on subset)
2
Perform risk-based SCA or use SCA on all CNP / enhance fraud controls
3
Pass all CNP transactions through SCA
4+
Possible off-boarding
Strong Customer Authentication (SCA) uses ≥2 of:
Knowledge factor (password)
Possession factor (phone)
Inherence factor (biometrics)
Exemptions: recurring transactions, trusted customers, wallet transactions.
3. Remediation & Best Practices
Remediation Steps:
Submit a remediation plan to CoindPay with risk mitigation measures.
Apply fraud prevention tools (velocity checks, 3DS, KYC improvements).
Adjust checkout, billing, or refund policies as needed.
Best Practices to Reduce Disputes & Fraud:
Prevent fraud: Reverse suspicious authorizations before capture
Cancel subscriptions: Easy cancellation, clear billing terms, reminders
Unreceived products: Track shipments, require signature for high-value items
Unacceptable products: Clear descriptions, images, flexible refunds
Friendly fraud: Collect agreement, ship to verified addresses
Other disputes: Ensure recognizable statement descriptors
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