In recent years, the CPA network (Cost Per Action) market has been showing steady growth. Advertisers and entrepreneurs choose this model for its transparency of terms and payment. According to industry analysts, the global affiliate marketing market was worth $13 billion in 2024 and is expected to grow to $44.8 billion by 2031. The average annual growth rate is estimated at 16.44%. Given the growing scale of the business, companies are more likely to face problems with operating costs and payments: High commissions charged by payment systems and banks. With mass payments, even a 2–5% commission eats up a significant share of profits, especially for networks with a high transaction frequency. Delays in payments. Bank transfers can take from a few hours to 3–5 working days, which annoys affiliates and reduces loyalty. Geographical restrictions. Many payment providers do not work with certain countries, and in a number of regions (Africa, Southeast Asia, Latin America), access to traditional financial services is limited. Reconciliation complexity. Manually matching payments, currencies, and reports takes dozens of hours each month and is prone to errors.
Against this background, crypto for CPA is becoming not just an alternative, but a solution that reduces commission costs compared to fiat payments. Companies also reduce geographical restrictions and have the ability to automate the payment process. Next, we will examine how crypto payouts platforms solve network problems and why services that automate mass payouts in crypto are becoming the industry standard.
Why are traditional payments in CPA networks unprofitable?
Traditional payment methods in CPA networks reduce the efficiency of networks and affiliates. This is due to limitations due to the use of fiat, operating costs, and the specifics of the banking sector in different countries.
Problems with fiat payments
High commissions charged by banks and payment services are the main reason why more and more companies are considering crypto CPA services. With
mass payments, the difference of 0.5-1% affects the total profit. Below are approximate commission rates for different services: WebMoney - up to 0.8% per transaction; Skrill, Neteller - 2–5%; bank transfers - 2–7%; currency conversion when exchanging USD into local currency - 3–10% at the exchange rate. The more often the network makes payments, the more significant the cost of paying commissions.
Payment delays are another constant problem. Bank transfers sometimes take from several hours to 3-5 business days, and in difficult regions – up to 15-20 days. This is a real stress for affiliates: it is unclear when the money will arrive, it is difficult to plan expenses, and irritation is growing. As a result, loyalty decreases, and this is already a threat to partnership relations.
Refusals due to sanctions and restrictions hurt even more. Many payment systems simply do not work with individual countries. In Africa, South‑In East Asia and Latin America, access to traditional financial services is already limited, and sanctions barriers often lead to: account blocking; refusal to conduct transactions. This is a critical risk for international networks – and this is where
crypto mass payouts show their value.
Finally, working with different currencies brings additional costs and risks. Fluctuations in exchange rates can "burn" a significant portion of payments, especially if you withdraw money through exchangers or payment systems. As a result, the company loses not only on commissions, but also on an unprofitable exchange.
Want to accept crypto payments on your website?
Operating costs
Manual data reconciliation. The process of confirming target actions and reconciling data often requires manual intervention, which increases payment processing time and the risk of errors. For example, in some networks, to confirm requests, you need to contact a manager, who in turn coordinates the data with the advertiser. Costs of supporting different payment methods. CPA networks are often forced to integrate with multiple payment systems (bank cards, e-wallets, PSPs, etc.), which requires technical resources, time to set up and maintain. Each system may have its own requirements for data formats and APIs, which complicates the logistics of payments. Hold (funds retention). The period of holding earnings until the advertiser verifies the traffic can last from several days to a month or more. This freezes affiliates' funds, preventing them from using them for new investments or to cover operating expenses. In some verticals (e.g., travel), the hold can stretch for months or even years.
These issues make traditional payment methods in CPA networks less effective and increase operational risks. Switching to fast crypto payouts can solve many of these challenges by providing lower fees, instant transactions, and flexibility in working with international partners.
If you are tired of bank and payment system fees, multi-day delays in withdrawing funds, payment refusals due to geographical restrictions, and the routine of manual data reconciliation and conversions, 0xProcessing offers a modern solution for CPA networks and affiliate programmes. With 0xProcessing, you will get: Reduced costs. Lower fees than traditional payment providers. You only pay for processed transactions - no start-up or monthly fees. Instant payments. Transactions are confirmed in seconds, and funds are available for withdrawal 24/7. Global coverage. Accept and send payments in 180+ countries without geographical restrictions. Process automation. API integration allows you to set up bulk payments and automate reconciliation - forget about manual data processing. Protection against volatility. The VRCS system automatically converts receipts into stablecoins (e.g. USDT), protecting your revenue from exchange rate fluctuations. Flexible payment acceptance. Support for 65+ cryptocurrencies across 16 networks and 20+ crypto wallets - your affiliates choose the most convenient way to receive funds. Fill out a short form with your company details and receive a response from a company representative who will help you complete KYB, integrate the gateway, and automate payments.
How crypto CPA services solve the problems of traditional payments
Cryptocurrency solutions for CPA networks are changing the approach to payments by eliminating the key pain points of fiat systems. Below is a breakdown of the advantages and application scenarios with specific figures and comparisons.
| Parameter | Traditional methods | Crypto payments | Benefits |
|---|---|---|---|
| Transaction fee | From 1.5% to 10% depending on the method | On average, 0.5-1% per transaction with no hidden fees | The difference can be as much as 10-30% |
| Translation time | 1-5 working days | 10 seconds – 2 minutes depending on the network | 100-1000 times faster |
| Geographical coverage | Limited by sanctions and PSP policy | 180+ countries, including ‘difficult’ regions | No restrictions |
| Automation | Manual data reconciliation | API + smart contracts | Reduced labour costs |
| Currency conversions | 3–10% exchange rate losses | Stablecoins (USDC/USDT) = $1 | Minimal losses |
Cryptocurrency payments have long gone beyond experiments – they solve specific business problems of CPA networks. Let's figure out exactly how.
Mass payouts: from days to minutes. Imagine a network with 5,000 affiliates that pays out rewards once a week. Without cryptographic solutions, it takes 2-3 days of manual work: checking accounts, creating payslips, and sending transactions. With a cryptographic gateway, the process is compressed to 15 minutes. Trigger payouts: no unnecessary reminders. You no longer need to wait for fixed dates or manually select applications. The system starts payments by itself when conditions occur, such as a balance threshold, schedule, or target action. Stablecoins: stability without compromise. The main fear of the partners is the volatility of cryptocurrencies. The solution is USDC and USDT, pegged to the US dollar. Cryptopayments make transactions transparent – each operation is recorded in the blockchain. This reduces the risk of fraud and simplifies auditing.
Switching to crypto payments is a strategic step that allows you to scale your business without increasing operating costs, increases partner loyalty through speed and reliability, and opens up access to new markets where traditional finance operates with limitations. In a competitive environment, such solutions become not an option, but a necessity.
How to implement crypto payments
You are just three steps away from making mass payments in cryptocurrency to your partners. Step-by-step plan: Registration. Fill out the form on the website: company details and contact information. KYB verification. Receive a response from a company representative who will help you complete KYB verification and integrate the gateway into your affiliate programme. Select a payment method. Select a bulk payment option for partners. All 0xProcessing customers receive simple integration via API in 1 day, with support for payments in 65+ of the most popular cryptocurrencies. 0xProcessing operates on its own blockchain system, complies with AML requirements, and uses modern transaction analysis algorithms. The transaction approval rate is 99.9%. By utilising the capabilities of cryptocurrencies, CRA companies can optimise their operations, reduce overhead costs, and take a leading position in their field.
How to reduce tax risks when switching to Crypto CPA payments
The use of cryptocurrency in affiliate networks opens up new horizons for businesses, but with it come specific tax challenges. Working with digital assets involves three key issues: The complexity of classifying payments. Different countries classify crypto payments differently: income in kind, currency transaction, intangible digital asset. This uncertainty complicates the calculation of tax rates and reporting procedures. Difficulties with accounting and reporting. It is necessary to keep separate records of cryptocurrency and conventional monetary transactions, submit declarations to different countries (when working with foreign partners), and record exchange rates at the time of payment. Cryptocurrency volatility. Fluctuations in exchange rates between the accrual and actual withdrawal of funds lead to discrepancies in profit accounting, risks of additional taxation, and problems with calculating VAT and excise taxes.
Practical ways to reduce tax risks
Here are some effective solutions that have been proven by time and experience: Use stablecoins (USDC, USDT). Pay rewards in cryptocurrencies that are pegged to the US dollar. The advantages are obvious: the amount remains constant regardless of market fluctuations, the calculation of the tax base is simplified, and transparency for audits and inspections is increased. Automated integration with accounting systems. Connect your crypto gateway to popular accounting platforms via API interfaces. This will ensure real-time synchronisation of financial transactions, the generation of reports in accordance with international standards, and the automatic creation of reconciliation statements with partners. Crypto CPA Consultants. Consult with specialists when launching operations in new regions or when legislation changes. They will help you analyse the requirements of a specific country, prepare a competent accounting policy, draft the necessary explanations for regulatory authorities, and develop a tax compliance algorithm.
You can minimise tax risks when implementing Crypto CPA by using stablecoins to stabilise payments, automating integration processes with accounting systems, and obtaining advice on crypto tax CPA. By working consciously and professionally, you will ensure the security and stability of your business in the era of digital finance.
Checklist for choosing a crypto gateway
Here are five parameters to consider when choosing a crypto gateway for your business: Integration with accounting systems. Check for ready-made API connections to popular accounting programmes. This will simplify accounting and reduce the likelihood of errors. Supported cryptocurrencies and stablecoins. Pay attention to the list of supported coins and make sure that the gateway works with popular stablecoins (USDC, USDT), which allow you to fix the payment amount regardless of market volatility. Regulatory compliance. Ensure that the crypto gateway complies with the laws of the countries in which you operate. Security and data protection. Assess the level of data encryption, the presence of fraud protection protocols, and the reliability of user personal data storage. Ease of use and customer support. Choose a gateway with an intuitive interface and high-quality technical support that can quickly resolve issues and assist with system configuration. These criteria will help you choose a reliable and effective crypto gateway that is right for your business.
The future of crypto payments in CPA: Trends and prospects for 2026
Crypto payments are rapidly gaining popularity in the CPA industry, offering arbitrageurs and webmasters a number of advantages, such as low commissions, fast transfers, and the convenience of international operations. Experts predict that crypto payments will continue to strengthen their position in the CPA industry. The following is expected: Large-scale implementation of stablecoins to stabilise payments. Full integration of cryptocurrency wallets and gateways into CRM and accounting systems. The emergence of specialised platforms focused exclusively on crypto payments. Active development of educational programmes to raise partners' awareness of cryptocurrencies. Crypto payments in CPA continue to evolve and improve, offering market participants new opportunities and advantages. Competent use of these tools will increase business efficiency, reduce costs, and ensure competitiveness in a rapidly changing digital world.
FAQ
Why are CPA networks switching to cryptocurrency payments?
Traditional bank and electronic payments come with several drawbacks for CPA networks:
- High fees, sometimes up to 10%.
- Long waiting times, often up to 5 business days.
- Limited ability to work with certain countries.
Cryptocurrency payments help eliminate these issues by reducing costs and increasing transaction speed.
What are some popular use cases for cryptocurrency payments in CPA networks?
Common use cases include:
- Mass simultaneous payments to thousands of webmasters.
- Automatic payments once a minimum payout amount is reached.
- Using stablecoins such as USDC and USDT to avoid volatility.
Is it legal to pay affiliates in cryptocurrency?
Yes, provided it is not prohibited by local law.
In most jurisdictions, crypto payments are allowed but must be properly documented for tax accounting purposes.
How to account for volatility in payments?
There are two common approaches to mitigate cryptocurrency volatility:
- Use stablecoins (USDC, USDT) to maintain a stable value.
- Fix the exchange rate on the date of accrual through the crypto gateway API.
Which networks are best for mass payments?
Popular blockchain networks for mass payments include:
- TRC-20: low fees and high speed.
- ERC-20: high reliability.
- BSC: balanced in terms of price and security.
