What Is a BitPay Clone Script?
A BitPay clone script is ready-to-deploy software for a merchant-facing crypto payment processor. A merchant issues an invoice priced in their own currency, the customer pays in crypto at a locked rate, and the merchant receives settlement in fiat or stablecoins without holding volatile assets or managing a wallet.
The difference from a crypto-native gateway is who the customer is. Finance teams need predictable settlement, clean reconciliation, refunds, VAT-ready records and an audit trail. Volatility exposure has to be absorbed by the processor, and every payment has to land in the accounting system correctly. Compare with the multi-coin model on our CoinPayments clone script page.
What You Receive
| Component | What It Covers |
|---|---|
| Invoice checkout | Fiat-priced invoices with locked exchange rate and expiry |
| Settlement engine | Fiat or stablecoin settlement with scheduled payouts |
| Rate and risk layer | Quote locking, hedging hooks and exposure limits |
| Refund system | Partial and full refunds with rate policy and audit trail |
| Merchant onboarding | KYB verification, risk scoring and account tiering |
| Accounting integration | Exports and connectors for finance and ERP systems |
| Compliance stack | AML screening, sanctions checks, reporting exports |
| Source code | Processor, dashboard, APIs and infrastructure transfer on delivery |
See a working processor with your settlement currencies, your rate policy and your merchant onboarding flow.
Get a Free Live DemoSomeone Has to Own the Volatility, and Refunds Are Harder Than Payments
The promise of a merchant processor is that a merchant invoicing 100 units of currency receives 100 units of currency. Between the customer clicking pay and the funds settling, the crypto price moves. That gap is the processor risk, and pretending otherwise is how processors lose money quietly for months.
Refunds compound it. A customer paid 0.004 BTC for a 200-unit order and wants a refund three weeks later, when that amount of BTC is worth 260. Refunding the crypto amount, the fiat amount and the original rate are three different answers, and the merchant, the customer and your treasury each prefer a different one.
Short rate-lock windows with explicit expiry, so exposure is measured in minutes rather than hours.
Immediate conversion at receipt where the settlement currency differs from the paid asset.
Hedging hooks so accumulated exposure can be offset rather than carried on the balance sheet.
Refund policy in fiat terms defined and disclosed up front, so a refund does not become a negotiation.
Exposure limits per merchant and per asset, with automatic throttling when limits are hit.
Reconciliation to the cent a double-entry ledger where every settlement traces to on-chain receipts and conversions.
We build rate policy, refund policy and exposure limits as explicit configurable rules, and we will tell you where your intended pricing does not cover the volatility risk you are taking on.
Surfaces This Scope Covers
Reference concepts for a payments build — checkout, settlement and merchant reporting surfaces. Not screenshots of a delivered client gateway.
Core Features
Merchant Checkout
- Invoices priced in fiat with locked crypto quote
- Hosted checkout, embedded widget and payment links
- E-commerce plugins and mobile SDKs
- Point-of-sale mode with QR and receipt printing
- Recurring billing and subscriptions
- Underpayment and expiry handling with clear customer messaging
- Multi-language checkout and branded receipts
Settlement and Treasury
- Settlement in fiat via banking partners or in stablecoins
- Automatic conversion at receipt with rate policy
- Scheduled or threshold-based payouts
- Per-merchant settlement currency and cadence
- Exposure limits and throttling per merchant and asset
- Hot and cold treasury split with approval workflows
Finance and Operations
- Full and partial refunds with defined rate policy
- Chargeback-style dispute logging and resolution workflow
- Accounting exports and ERP connectors
- Tax and VAT-ready transaction records
- Reconciliation reports traceable to on-chain receipts
- Fee schedules per merchant, asset and volume tier
Onboarding and Compliance
- Merchant KYB with document verification and risk scoring
- Beneficial ownership checks and sanctions screening
- AML monitoring on incoming funds with source-of-funds flags
- Account tiering with volume and asset limits
- Audit logging and regulatory reporting exports
- Role-based access with four-eyes controls on payouts
Mapped to a release plan
We will send a prioritized build plan covering settlement currencies, rate policy and merchant onboarding.
Request a Feature PlanHow BitPay Clone Script Is Put Together
The modules above map onto these layers. Each one ships with its own tests, documentation and runbook, so nothing arrives as a black box you inherit without an explanation.
Requests flow down, settlement and events flow back up. Every boundary carries logging, so a failure is traceable to a layer instead of guessed at.
Chains and Assets We Work With
Asset support here is a settlement decision. Confirmation policy, reorg handling and fee volatility determine whether a payment is safe to mark as received, and each chain answers those differently.
How We Build Your Processor
Rate, refund and settlement policy are designed first. Everything downstream is accounting built on those decisions.
Commercial policy design
Rate-lock windows, refund policy, exposure limits, fee schedule and settlement cadence.
Output → commercial and risk policy specification
Compliance and banking scoping
With your counsel and banking partners: licensing, KYB standards, reporting obligations.
Output → compliance and settlement requirement matrix
Core processor build
Invoicing, quote engine, conversion, double-entry ledger and payout automation.
Output → processor with reconciliation and stress test suites
Merchant surface and integrations
Checkout, plugins, dashboard, APIs, accounting connectors and sandbox.
Output → staging processor with sandbox for merchant testing
Security review and launch
Penetration testing, treasury controls, monitoring and merchant onboarding.
Output → live processor with treasury and dispute runbooks
Payment assets and settlement
Development Timeline
| Scope | Timeline | Includes |
|---|---|---|
| White label processor | 5 to 7 weeks | Rebranded checkout, stablecoin settlement, dashboard |
| Standard custom processor | 10 to 14 weeks | Custom ledger, rate engine, refunds, plugins, API |
| Processor with fiat settlement | 4 to 7 months | Banking partners, KYB, AML stack, accounting connectors |
| Multi-region platform | 7 to 12 months | Multiple banking rails, regional compliance, enterprise onboarding |
What extends the timeline: banking partner onboarding, which is the longest and least controllable line; licensing where settlement makes you a regulated intermediary; accounting and ERP connector work; and refund and dispute flows, which are more intricate than the payment path itself.
Revenue Models
| Model | How It Works |
|---|---|
| Processing fee | A percentage of each settled payment |
| Conversion spread | Margin between the quoted rate and the executed rate |
| Settlement fees | Charges on fiat payouts and bank transfers |
| Monthly platform fees | Subscription tiers by volume and feature set |
| Premium services | Dedicated infrastructure, custom reporting, priority support |
| Float management | Yield on settlement balances, subject to regulation |
| White label licensing | Licensing the processor to other operators |
Merchants compare processing rates against card rates, which anchors expectations. Conversion spread carries most of the real margin, and disclosing it clearly is what keeps enterprise merchants comfortable.
Related services
Who This Is For
Adding a crypto rail to a regulated payments business.
Offering crypto acceptance to an existing merchant base.
Accepting crypto without holding it.
Settling cross-border invoices in stablecoins.
Extending into merchant services.
Serving merchants with local banking and currency rails.
Why Choose Coinsclone
Volatility risk designed explicitly
Short lock windows, immediate conversion and exposure limits, with honest advice when your pricing does not cover the risk.
Refunds treated as a first-class flow
Defined fiat-terms policy, partial refunds and dispute logging, because refunds are harder than payments and merchants ask about them first.
Reconciliation a finance team accepts
Double-entry ledger, on-chain traceability and VAT-ready records, not a transaction list.
Merchant onboarding built properly
KYB, beneficial ownership checks, risk scoring and tiered limits, so a bad merchant is not your compliance incident.
Accounting integration included
Exports and ERP connectors, because a payment that does not land in the ledger creates work rather than revenue.
Full source code ownership
Processor, dashboard, APIs and infrastructure transfer to you on delivery.
What Our Clients Say
Operators who launched with us, in their own words. Hover to pause.
A members-only NFT marketplace for Digital Freemasonry
Digital Free MasonryNFT marketplace · delivered and liveNext phase in progress: the ODFT Token and the MasonicVerse platform.
Working with Coinsclone has been one of the best professional experiences I have had in the blockchain industry.
From the very beginning of our NFT Marketplace project until its successful completion, the entire team demonstrated exceptional technical expertise, professionalism, patience, and commitment. Every stage of development was handled with great attention to detail, and every challenge we encountered was approached with a solution-oriented mindset.
Read the full client note
Our project was far from a standard NFT Marketplace. It included custom blockchain architecture, Polygon integration, ERC-721 and ERC-1155 standards, royalty implementation, token-gated access through Masonic Passport, multiple payment methods, marketplace customization, advanced testing, and many unique business requirements. Throughout the entire process, the team consistently delivered high-quality work while maintaining clear communication, transparency, and a strong commitment to excellence.
I would especially like to express my sincere appreciation to Mr. Jeeva, Mr. Bala, Mr. Saravanan, Mr. Veeramani, Mr. Akshay, and the entire development team for their outstanding support, professionalism, responsiveness, and dedication throughout the project. Their technical expertise, patience, and willingness to understand even the most complex business requirements gave us complete confidence during every phase of development.
What impressed me the most was not only their excellent blockchain development skills, but also their ability to understand our vision and transform it into a secure, scalable, and highly professional NFT Marketplace.
For me, Coinsclone is not simply a software development company — they are a trusted long-term technology partner. After successfully completing our NFT Marketplace, we are now preparing to continue our collaboration on the next major phase of the Digital Freemasonry ecosystem, including the development of the ODFT Token and the future MasonicVerse platform.
I highly recommend Coinsclone to anyone looking for a reliable, experienced, and highly professional blockchain development company. They have earned my complete trust and respect, and I sincerely look forward to working with them again on future projects.
Start Your Payment Processor
Tell us your settlement currencies and merchant profile and we will respond with a scoped proposal covering architecture, compliance and delivery timeline.
- Working processor demo with your branding applied
- Rate and refund policy modelled for your exposure
- NDA signed before technical discussion
Request received
A solution architect will reply within one business day with a scoped proposal and demo link.
Frequently Asked Questions
What is a BitPay clone script?
Ready-to-deploy software for a merchant-facing crypto payment processor: invoices priced in the merchant currency, paid in crypto at a locked rate, settled to the merchant in fiat or stablecoins, with refunds, reconciliation and compliance controls.
How is this different from a crypto payment gateway?
The customer is a finance team rather than a crypto user. That means predictable settlement, clean reconciliation, working refunds, tax-ready records and an audit trail, with the processor absorbing volatility instead of passing it to the merchant.
Who carries the volatility risk?
The processor does, between quote and settlement. We manage it with short rate-lock windows, immediate conversion at receipt, per-merchant exposure limits and hooks for hedging. Pricing has to cover that risk or the model loses money invisibly.
How do refunds work when the price has moved?
That is a policy decision, and we make it explicit: refund the original fiat value, the original crypto amount, or at the current rate. We recommend fiat-terms refunds disclosed up front, so the answer is settled before anyone asks.
Can merchants receive fiat directly to their bank?
Yes, through licensed conversion and banking partners, with settlement schedules per merchant. Banking partner onboarding is usually the longest lead time in the whole build and runs on their timetable.
What does merchant onboarding involve?
KYB verification with company documents, beneficial ownership checks, sanctions screening, risk scoring and account tiering with volume and asset limits. A weak onboarding process makes a bad merchant your compliance problem.
Does the processor integrate with accounting systems?
Yes, with exports and connectors for common finance and ERP systems, plus VAT-ready records and reconciliation reports traceable to on-chain receipts. Enterprise merchants treat this as a requirement, not a nice-to-have.
Do I need a licence to operate?
Usually yes if you take custody or convert to fiat, and the specific requirement depends on your jurisdictions and settlement model. Your counsel determines the route; we build the controls, reporting and segregation their advice requires.
Which assets can customers pay with?
Bitcoin including Lightning, Ethereum, Litecoin, Polygon, Tron and stablecoins such as USDC and USDT. Lightning matters for small payments where on-chain fees would exceed the order value.
How are underpayments and expired invoices handled?
With configurable tolerance thresholds, clear customer messaging at checkout, and defined handling for late or partial payments including automatic refunds or crediting. Undefined behaviour here creates support tickets at volume.
How does the processor make money?
Processing fees, conversion spread, settlement fees, monthly platform tiers, premium services and float yield where regulation permits. Merchants benchmark against card rates, so spread carries most of the real margin.
How long does it take to build?
A white label processor launches in 5 to 7 weeks. A standard custom processor takes 10 to 14 weeks. Adding fiat settlement and a compliance stack takes 4 to 7 months, and a multi-region platform takes 7 to 12 months.
Estimate Your Build
Pick a scope and the extras you need. Merchant onboarding, plugin coverage and fiat payout rails usually cost more calendar time than the payment engine itself.
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Ranges assume decisions arrive on time. Licensing, banking and third-party audits run on their own schedules and we plan around them rather than inside them.
Get This Scoped ProperlyReady to Launch Your Payment Processor?
Share your settlement currencies and merchant profile and receive a scoped proposal covering rate policy, compliance and delivery timeline.