Turning on a crypto payment button is the easy part for a business. Getting customers to use it repeatedly takes a series of practical choices about visibility, networks, settlement and control.
According to Entrepreneur UK, that was the focus of a main-stage talk by Pavel Kashuba, Strategic Leader at Coinspaid Solutions, at Stablecon USA 2026 in Washington, D.C. Kashuba told the audience that the presence of crypto at checkout says little on its own. What matters, in his view, is how many transactions actually go through and whether customers return to pay that way again.
For a merchant weighing crypto payments, his framework translates into four questions worth answering before launch:
- Will customers see the crypto option at the moment they decide to pay?
- Which currencies and networks will be supported, and what will they cost in fees and processing time?
- When and in what form will the business receive its money?
- Who will hold the assets and be responsible for them?
Settlement is often the question that worries businesses most, and Kashuba’s figures suggest most of them resolve it in a similar way. More than 70% of businesses settle crypto payments in fiat. A merchant can be configured for automatic conversion into U.S. dollars or euros, so the company receives familiar currency and does not carry crypto on its balance sheet. This settlement is handled by regulated entities or licensed banking partners, although what is available depends on the jurisdiction. Merchants also need a clear refund policy of their own: blockchain transfers fall outside the card chargeback process, so refunds are handled separately and remain under the merchant’s control.
Custody comes next. It defines who controls the assets and who answers for them. “The choice depends on how much control your business wants,” Kashuba said. The right setup also depends on how much infrastructure the business is prepared to operate itself.
Network and currency coverage deserve attention too, because they affect both transaction cost and processing time. A choice that looks minor on a single payment has measurable effects once volumes grow. Checkout placement, meanwhile, decides whether the option is noticed at all, and visibility at checkout influences whether payments are completed.
The market context explains why these details matter. A Harris Poll survey for the National Cryptocurrency Association found that 39% of surveyed U.S. merchants accept crypto at checkout, and that crypto makes up 26% of total sales among them. Another NCA study puts the number of Americans who use crypto to shop and pay at 26.8 million, around 40% of U.S. crypto holders. In other words, there are customers ready to pay, and the setup decides whether they do.
Coinspaid Solutions builds its offering for institutions around the same logic. In its enterprise model, financial institutions keep their regulatory framework and retain control of transaction signing, while Coinspaid deploys and maintains the technology underneath. This lets institutions keep their customer relationships and existing operating models. Infrastructure used by Coinspaid’s clients has processed over €100 billion in volume and more than 200 million transactions.
Kashuba also looked ahead to purchases made by AI systems on behalf of users. He argued that the four decisions do not disappear when software takes over the checkout: autonomous commerce still needs a visible payment option, network coverage, reliable settlement and clearly assigned custody.
