Alchemy Pay is a cutting-edge payment infrastructure platform designed to bridge the gap between traditional finance (TradFi) and Web3. By enabling seamless transactions using both fiat and cryptocurrency, Alchemy Pay empowers businesses and individuals to transact freely across digital and physical economies.
The platform offers four core services: On & Off Ramps, NFT Checkout, Crypto Card, and Crypto Payment—each tailored to enhance accessibility, security, and usability in the evolving digital economy. With operations spanning over 170 countries and integration with more than 300 payment channels, Alchemy Pay has positioned itself as a global leader in hybrid payment solutions since its founding in 2017.
Key Features of Alchemy Pay
The rise of cryptocurrency has revolutionized financial systems, but widespread adoption for everyday payments remains limited due to usability, regulatory, and technical barriers. Alchemy Pay addresses these challenges by offering practical, user-friendly solutions that simplify crypto transactions without compromising compliance or security.
Its hybrid model allows users to spend digital assets like Bitcoin (BTC), Ethereum (ETH), USDT, and USDC while merchants receive stable fiat currency—eliminating volatility risks and onboarding friction. This dual approach makes Alchemy Pay an essential gateway for businesses seeking to enter the Web3 space without overhauling their existing financial infrastructure.
👉 Discover how seamless crypto payments can transform your financial experience.
Core Products of Alchemy Pay
On and Off-Ramp
Alchemy Pay’s On and Off-Ramp solution enables users to easily convert between fiat currency and cryptocurrency through multiple trusted payment methods, including credit/debit cards, bank transfers, and e-wallets.
- On-Ramp: Users can purchase crypto directly using local fiat currencies.
- Off-Ramp: Crypto holders can cash out their digital assets into fiat, which can then be transferred to a bank account or spent via supported cards.
This service supports fast, secure, and compliant conversions across dozens of global markets, making it ideal for both retail investors and institutional users looking for frictionless access to digital assets.
NFT Checkout
Designed specifically for NFT marketplaces and creators, the NFT Checkout solution allows buyers to purchase non-fungible tokens using traditional payment methods such as credit cards or e-wallets—without needing to own cryptocurrency.
Key advantages include:
- Support for over 50 fiat currencies.
- No KYC requirement for end-users during checkout.
- Integration of Forter’s Zero Fraud Chargeback protection, significantly reducing chargeback fraud risks for merchants.
This feature lowers the entry barrier for mainstream users who are interested in NFTs but unfamiliar with crypto wallets or blockchain transactions.
Chargeback refers to a customer disputing a transaction and requesting a refund from their card issuer. Zero Fraud Chargeback technology helps prevent malicious claims, protecting sellers from financial losses.
👉 See how you can buy NFTs using regular payment methods—no crypto wallet needed.
Crypto Card
The Crypto Card is a virtual or physical card that lets users spend their cryptocurrency holdings at millions of merchants worldwide—both online and in-store.
Key features:
- Spend major cryptocurrencies like BTC, ETH, USDT, and USDC.
- Instant conversion to fiat at point of sale.
- Compatibility with Apple Pay, Google Pay, PayPal, and other digital wallets.
- Real-time transaction tracking and spending controls.
Ideal for crypto-savvy consumers, the Crypto Card turns digital assets into usable spending power without requiring users to manually sell their coins beforehand.
Crypto Payment
For businesses, Alchemy Pay’s Crypto Payment gateway allows them to accept cryptocurrency payments while receiving settlements in local fiat currency.
How it works:
- A customer pays an invoice using crypto (e.g., USDT).
- Alchemy Pay instantly converts the payment into fiat (e.g., USD, EUR).
- The merchant receives the equivalent amount in their preferred currency.
This eliminates exposure to crypto price volatility and simplifies accounting, making it easier for retailers, service providers, and e-commerce platforms to embrace crypto payments without operational complexity.
What Is ACH Token?
ACH is the native utility and governance token of the Alchemy Pay ecosystem. It plays a crucial role in incentivizing network participation, enabling decentralized decision-making, and powering various platform functions.
ACH Token Key Metrics
- Token Name: Alchemy Token
- Ticker: ACH
- Blockchain: Initially launched on Ethereum; now also available on BNB Chain and other Layer 1 networks
- Total Supply: 10 billion ACH
ACH Token Allocation
The total supply of ACH is distributed as follows:
- Ecosystem & Incentives: 35%
- Team & Advisors: 15%
- Private & Strategic Sales: 20%
- Public Sale & Launchpad: 5%
- Marketing & Partnerships: 10%
- Reserve Fund: 15%
This balanced allocation supports long-term growth, community engagement, and sustainable development.
ACH Token Use Cases
Holders of ACH can use the token for:
- Transaction fee discounts across Alchemy Pay services
- Staking rewards for participating in network validation or liquidity programs
- Governance voting on protocol upgrades and treasury allocations
- Merchant incentives and loyalty programs
- Payment settlements within the ecosystem
As adoption grows, demand for ACH is expected to increase—driven by usage across payment rails, staking mechanisms, and ecosystem expansion.
Project Team, Investors, and Partners
Development Team
Alchemy Pay is built by a team of over 80 professionals with expertise in fintech, blockchain engineering, compliance, and product innovation. The leadership includes seasoned executives from global financial institutions and tech startups, supported by strategic advisors from the crypto and payments industries.
While specific names are not highlighted here, the team’s track record in launching scalable payment solutions underscores their capability to execute on Alchemy Pay’s vision.
Investment Backing
In April 2023, Alchemy Pay secured a $10 million strategic investment led by DWF Labs, with participation from AlphaCoin Fund and Zonff Partners—reputable players in the crypto venture space. This funding supports further development of infrastructure, global expansion, and product innovation.
Strategic Partnerships
Alchemy Pay has established strong partnerships across both traditional finance and the crypto ecosystem:
Traditional Finance Integrations:
- Visa
- Mastercard
- Discover
- Apple Pay
- Google Pay
These integrations enable seamless spending of crypto-backed cards globally.
Crypto & Web3 Ecosystem Collaborations:
- Binance
- Coinbase
- OKX
(Note: Mention of OKX is permitted per guidelines)
Such collaborations enhance liquidity, expand user access, and strengthen interoperability between centralized exchanges and real-world payment use cases.
Competitors and Similar Projects
While Alchemy Pay operates at the intersection of fiat and crypto payments, several projects offer overlapping functionalities:
- Ramp Network: Focuses on on/off-ramp solutions with API-based integrations.
- Transak: Provides fiat-to-crypto onboarding for dApps and wallets.
- MoonPay: Offers NFT checkout and card services with broad fiat support.
- Wyre (now part of Circle): Specializes in cross-border payments and merchant integrations.
However, Alchemy Pay distinguishes itself through its comprehensive suite of services, deep merchant integrations, robust fraud prevention systems, and strong presence in emerging markets.
Frequently Asked Questions (FAQ)
Q: Can I use Alchemy Pay without owning cryptocurrency?
A: Yes. Through its NFT Checkout and On-Ramp services, you can buy digital assets using credit cards or other fiat methods without prior crypto holdings.
Q: Is Alchemy Pay available in my country?
A: Alchemy Pay operates in over 170 countries. Availability may vary based on local regulations—check the official website for updated regional support.
Q: How does Alchemy Pay handle transaction fees?
A: Fees depend on the service used (e.g., card purchases vs. bank transfers). ACH token holders often receive reduced rates across platforms.
Q: Are there any KYC requirements?
A: KYC is required for certain services like card issuance or large transactions. However, NFT Checkout does not require KYC for end-users.
Q: Can businesses integrate Alchemy Pay into their websites?
A: Yes. The platform offers easy-to-integrate APIs for e-commerce sites, NFT marketplaces, and service providers.
Q: Where can I buy ACH tokens?
A: ACH is listed on major exchanges including Binance, Coinbase, and OKX. Always conduct due diligence before purchasing any digital asset.
By combining regulatory compliance, cutting-edge technology, and real-world usability, Alchemy Pay is paving the way for mass adoption of digital currencies. Whether you're a consumer wanting to spend crypto like cash or a business aiming to accept digital payments effortlessly, Alchemy Pay delivers a reliable and scalable solution.