Ivno Payment Gateway

Ivno allows you to accept standard fiat payments including major Credit/Debit Cards, Apple Pay, and Google Pay. Ivno is built on a fiat-on-ramp technology. In fiat on-ramp, customers experience a familiar e-commerce checkout using their credit card or mobile wallet. Behind the scenes, our licensed fiat-to-crypto partners instantly convert their payment into USDC and deposit it directly into your connected USDC Polygon wallet instantly or as soon as the transaction clears in the blockchain.

The minimum allowed amount per transaction is $20. Any order or payment link created for less than $20 will not be processed. We recommend configuring a minimum cart total in your store or e-commerce plugin settings to prevent customers from encountering checkout errors.

USDC is a fully backed stablecoin pegged 1:1 to the US Dollar. Payouts in USDC on the Polygon network allow us to bypass traditional banking delays and international wire fees, delivering your funds instantly and globally without borders.

You need a cryptocurrency wallet that supports the Polygon network and can receive USDC tokens. We strongly recommend using a non-custodial wallet like MetaMask, Exodus, or a hardware wallet like Ledger. Please note that you should not use a deposit address from a centralized exchange (such as Binance or Coinbase), as they may not recognize the incoming transaction or could impose delays and additional fees. Most of our merchants smartly receive their payouts into a non-custodial USDC wallet first and then transfer the funds to their second USDC (polygon network) wallet in a centralized exchange like Binance later.

Because fiat payments are converted into cryptocurrency by licensed partners, there are processing costs involved. Ivno charges a flat fee of 12%. In your merchant dashboard settings, you have three options to decide who pays the ivno admin fee: (1) Pass 100% of the Ivno admin fee to your customer, or (2) You pay 100% of the Ivno admin fee or (3) You split the ivno admin fee 50/50 between you and your customer.

Ivno is truly global. Merchants from almost anywhere in the world can integrate our gateway to receive USDC, while your customers can pay you globally using their credit/debit cards, Apple Pay and Google Pay, subject only to standard international gateway compliance. We do not accept merchants from the following prohibited jurisdictions: Afghanistan, Belarus, Cuba, Iran, North Korea, Russia, Syria, Venezuela, and occupied regions of Ukraine.

Customers experience a familiar e-commerce checkout using their credit card or mobile wallet. Behind the scenes, our licensed fiat-to-crypto partners instantly convert their payment into USDC and deposit it directly into your connected Polygon wallet.

Because fiat currency is being converted into cryptocurrency, international financial regulations require licensed payment providers to perform standard “Know Your Customer” (KYC) checks. This ensures a highly secure environment and protects against fraud and chargebacks.

No. Once a customer successfully verifies their identity with a specific provider, their profile is saved. Subsequent checkouts will be vastly accelerated, often requiring just a quick confirmation without re-uploading documents.

While identity verification keeps payments secure, extra steps can sometimes cause checkout hesitation. We highly recommend turning that friction into a fast conversion by rewarding your customers.

RECOMMENDED! Utilize the Ivno Payment Discount feature built directly into this plugin. From your WooCommerce settings, you can automatically apply a percentage (e.g., 10%) or fixed discount to visually reward customers when they select Ivno at checkout. To safely protect your profits, this discount features a Margin Protection safety net: it only activates on carts of $50 or more, and mathematically guarantees your final checkout total will never drop below $50 (preventing you from accidentally giving away inventory from a pricing typo).

For smaller purchases, “light KYC” utilizing Open Banking can take just seconds. If full document verification is required for larger amounts, the automated system typically processes and approves the user in just 1 to 5 minutes.

Instantly. As soon as the customer’s transaction is confirmed by the provider, the USDC is deposited directly into your designated USDC (Polygon network) wallet address. You have immediate access and full control over your money.

Ivno is incredibly secure. We utilize bank-grade encryption, and all fiat transactions are processed by globally licensed, PCI-compliant gateway partners. Because payouts are sent directly to your decentralized wallet, you never run the risk of a centralized platform freezing your account balance.

The Ivno WooCommerce plugin uses your configured Webhook URL and Webhook Secret to verify signed webhook notifications from Ivno. This allows WooCommerce to automatically update the order from Pending Payment to Processing or Completed after a successful payment.

The WooCommerce plugin shows you the exact Webhook URL to use. You must paste that URL into Ivno Merchant Dashboard → Webhooks. Then copy the Webhook Secret from the same Webhooks tab in the Ivno Merchant Dashboard and paste it back into the WooCommerce plugin settings.

We offer a plug-and-play extension for WooCommerce that can be installed in minutes. For custom websites, you can utilize our robust REST API, or generate simple checkout links and QR codes directly from your merchant dashboard.

If a transaction is declined by the customer’s bank or fails the provider’s security checks, the user is notified immediately on the checkout screen. No funds are captured, and the customer can simply retry the purchase using an alternative payment method.

We provide comprehensive API documentation, detailed integration guides, and dedicated Telegram and email support to ensure your store is successfully set up and processing payments smoothly.