Take cards. Get paid in crypto.
RUOCrypto gets high-risk research use only (RUO) businesses accepting card payments fast. Your customers check out by card; every sale settles to your own wallet in dollar-pegged stablecoins within minutes.
Turned away by traditional processors?
RUO businesses get labeled high risk and dropped. We work with them on purpose.
Traditional processors
- Long underwriting and frequent declines for RUO products
- Accounts reviewed, frozen or closed with little warning
- Payouts that take days to reach your bank
- Support that doesn't understand the RUO market
RUOCrypto
- RUO merchants are who we serve, not an exception
- Same-day approval, then live in about 10 minutes
- Funds in your own wallet in stablecoins within minutes
- We never hold your money: payouts go straight to you
Card on the front end. Crypto on the back end.
Your customers use the payment apps they already have. You get your money within minutes. Try the demo checkout →
Sign up and get approved
Fill in a short form and start your membership. Approval decisions come the same day.
Connect your store
Install the WooCommerce plugin or plug the API into a custom checkout. Most stores are live in about 10 minutes.
Get paid in minutes
Customers pay by card. Each sale settles to your Polygon wallet in USDC, minus the 4% fee.
One membership. Processing and more.
Funds within minutes
Every sale settles to your wallet in stablecoins within minutes, so you're never waiting on a bank transfer.
Plugin and API
A WooCommerce plugin for a no-code setup, plus a developer API for custom websites and other platforms.
Your own dashboard
A merchant login to see every card payment on your website, download the plugin and read the API guide.
Wholesale RUO products
Member pricing on 60+ research products by the vial, with live stock and certificates of analysis.
3PL and dropshipping
Let the fulfillment team ship orders for you, with same-day shipping cutoffs and simple fees.
Real support
Talk to people who know your account and the RUO market, for setup, integration and account questions.
Two numbers. That's it.
No setup fee, no contract. Know exactly what you'll pay before you sign up.
network fee
transaction
- Card payments through PayPal, Venmo, Cash App and Coinbase
- Stablecoin payouts on Polygon, 96% of every sale in your wallet within minutes
- WooCommerce plugin and custom website API
- Same-day approval, live in about 10 minutes
- Membership: wholesale RUO pricing, 3PL and dropshipping
- Cancel any time; it ends at the close of your billing month
Estimate your monthly cost
Estimate only. Excludes blockchain network (gas), wallet and off-ramp fees outside the service.
Powered by BBWholesale
RUOCrypto is an authorized reseller of BBWholesale merchant services. Your account, billing, payment gateway and member dashboard are provided by BBWholesale, so you get the same service, terms and pricing as signing up directly.
Common questions
Do you work with high-risk RUO companies?
Yes. That's who this is built for. Research use only businesses are often declined or dropped by traditional processors; this processing is set up specifically to serve them.
I've been declined or shut down elsewhere. Can I still apply?
Yes. Being declined elsewhere doesn't rule you out. Book a call, tell us about your business, and you'll get an approval decision the same day.
How do my customers pay?
By debit or credit card through PayPal, Venmo, Cash App or Coinbase on a secure hosted payment page. Available options depend on the customer's country and the amount.
How and when do I get paid?
In stablecoins (usually USDC) sent straight to your own wallet on the Polygon network, typically within minutes of each sale. Stablecoins are pegged to the US dollar, so you avoid normal crypto price swings. Nobody holds your funds.
What does it cost?
A $100 monthly network fee and 4% per transaction. That's it: no setup fee and no contract. The membership benefits are included in the network fee.
What happens after I pay?
You get a welcome email right away with a link to set up your merchant login. Inside you'll find the plugin, the API guide, your transactions and the wholesale catalog. Most merchants are taking payments within 10 minutes.
Who will I see on my card statement?
RUOCrypto resells BBWholesale's service, so the monthly charge and receipts come from BBWholesale (Battle Born Wholesale).
Does it work with my website?
If you use WooCommerce, install the plugin. For anything else, the API connects to your checkout. Not sure? Book a call and we'll walk you through it.
Start accepting cards today
Approved the same day, live in about 10 minutes, and paid within minutes of every sale.