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Customer story
Global payments · Crypto acceptance
Shift4, the global leader in integrated payments and commerce technology, became the first major payments company to let merchants accept cryptocurrency with one click — across ecommerce and point of sale, in 75+ countries. Customers pay with whatever they hold from 300+ wallets and exchanges; merchants settle in local currency, with the conversion handled automatically by SmartFunding.
Network figures (300+ wallets and exchanges, 120+ tokens across 24 networks) per Mesh data, June 2026. Conversion figure reflects Mesh platform performance versus redirect-based checkout.
Crypto became a payment method, not just an investment. More than half a billion people worldwide hold digital assets as of 2026, and demand to spend those balances grew — a Deloitte survey found 64% of merchants reported significant customer interest in paying with digital currencies.
But accepting crypto meant managing wallets, chains, conversion, and price volatility — complexity most merchants have no appetite for, and that legacy payment stacks weren’t built to handle. The result was demand a merchant could see but couldn’t capture, especially in markets where crypto usage is high and card penetration is low.
Shift4 built Pay with Crypto on a single Mesh integration that connects checkout — online and at the point of sale — to 300+ wallets and exchanges. SmartFunding, Mesh’s any-to-any conversion engine, converts and routes assets at the moment of payment: the customer pays what they hold, the merchant is settled in local currency, and the conversion and routing happen behind the scenes.
Shift4 keeps full control of the merchant experience and reporting. Mesh provides the connectivity and conversion — secure account linking that lifts conversion at the payment step — without the merchant ever holding or managing crypto. Because Mesh is a connectivity and verification layer, it never custodies the customer’s assets; it orchestrates the connection and the conversion.
Pay with Crypto made Shift4 the first global payments leader to offer one-click crypto acceptance, live across ecommerce and SkyTab point-of-sale devices in 75+ countries. Merchants take crypto with no volatility exposure — payments are converted automatically and settled in local currencies, such as US dollars — and no chargeback risk, while still able to issue refunds.
The capability now runs across very different merchants. TAO Group in hospitality, BLADE in air mobility, and Blue Origin in spaceflight are among the Shift4 merchants it reaches, and Property Markets Group (PMG), a leading Miami luxury-condo developer, uses it to let buyers pay for pre-construction homes in crypto while PMG receives local currency — staying compliant with lender and investor requirements that prohibit holding crypto directly.
“Shift4’s crypto products are focused on making crypto acceptance as easy as traditional credit and debit cards. We abstract away all the complexities for merchants so they never need to deal with crypto directly.”
Alex Wilson — Head of Crypto, Shift4
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