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Billing12 August 20265 min readVMFrost Team

Paying with crypto: what to expect

Cryptocurrency payments avoid the identity checks that card processors require, but they behave differently from a card in ways that matter. Confirmations, fees, and what happens if you underpay.

We bill in cryptocurrency because card processing is fundamentally incompatible with anonymous accounts. Accepting cards means contracting with an acquirer, and acquirers require verified identity, a billing address matching the card, and the ability to reverse transactions months later. Every one of those requirements would undo the account model described in our post on token authentication.

Crypto avoids all of that, but it isn’t simply "a card that is more private." A few differences are worth understanding before your first payment.

Payments confirm, they don’t authorize

A card payment authorizes instantly and settles later. A crypto payment is the reverse: it settles, and you wait for confirmations. Depending on the network and how congested it is, that is typically a few minutes, occasionally longer.

Practically: don’t pay a renewal invoice in the final ten minutes before suspension and expect it to land in time. Pay a day early.

The quoted amount is locked to a rate window

Our prices are denominated in EUR. When you open an invoice we convert it to the crypto amount at the current rate and hold that quote for a fixed window. If you pay after the window expires, the amount received may no longer cover the invoice, and the balance stays open until it is topped up.

Send the exact amount, and account for fees

The single most common support issue is underpayment, and it usually comes from one of two mistakes:

  • Deducting the network fee from the invoice total instead of adding it on top. The invoice amount is what must arrive at our address; the fee is yours to cover.
  • Paying from an exchange account that charges its own withdrawal fee out of the sent amount. Check the "you will receive" figure, not the "you will send" figure.

An underpaid invoice isn’t lost. Whatever arrived gets credited as a partial payment, so send the difference to the same address and the invoice closes.

Send the right asset on the right network

Many assets exist on multiple chains. Sending a token over a network our address doesn’t support is the one genuinely unrecoverable mistake in this process, and it isn’t specific to us. That is simply how the underlying chains work. Check the network selector in your wallet against the one shown on the invoice every time.

Refunds and the 24-hour window

Because there are no chargebacks, our refund policy has to be explicit rather than implied. New services carry a 24-hour guarantee: if the service doesn’t work for you in that window, contact support and we will refund it. After that, payments are non-refundable and we don’t credit partial months. That is stated in the Terms of Service and we apply it consistently.

If something has gone wrong with a payment, reach out on Telegram with the invoice reference. Don’t send us your account token, since support never needs it.

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