Fiat / Card Payments
Accept credit and debit card payments through Niftipay's card processing integrations. Card payment events are normalised into the same status model as crypto payments.
Why This Matters
Card payments allow customers without crypto holdings to complete purchases. Niftipay normalises card payment events into the same status model as crypto payments, so your reconciliation and webhook handling works the same way across both payment types.
How Fiat Payments Work
Fiat card payments are processed through Niftipay's integrated card payment partners. The payment flow is separate from the crypto invoice flow but uses the same status model (pending, paid, cancelled, expired, refunded).
Fiat payments are scoped to a specific integration. If you run more than one site or integration, configure separate webhook URLs per integration to avoid duplicate event delivery.
Card payments settle on the standard T+9 cycle with the 10% / 181-day rolling reserve (see Settlements & Withdrawals).
Create Fiat Card Order
Create a fiat card order by selecting the integration, amount, currency, reference, description, and customer email. Available integrations depend on account configuration.
Fiat Status Mapping
Fiat card payment statuses are normalized to the same events used for crypto payments:
| Card Processor Status | Niftipay webhook event |
|---|---|
| new / processing | PENDING |
| completed | PAID |
| cancelled | CANCELLED |
| expired | EXPIRED |
| refund detected | REFUNDED |
Operational Notes
Multiple Integrations
If you run more than one site, bind each global webhook to its integration. Otherwise the same event will be delivered to all integrations and each will attempt to update its own order records.
Next Steps
- 1Configure your fiat integration in Settings
- 2Set up a webhook scoped to your fiat integration
- 3Test a card payment in a staging environment before going live
Need help? Email support@niftipay.com with your merchant name, order or payment reference, screenshots or error messages, and a short description of the issue.