Frequently asked questions

• Beware of Common Scam Scenarios
  Fraudsters exploit social media, crypto, and remote tech to target users via fake investments, phishing, and fabricated threats.

  This guide outlines key scams on platforms like Telegram and WhatsApp—stay alert, verify actions to protect your assets.

  1. Fake Investment Scams

  Victims are lured by scammers with promises of unrealistic returns through social media platforms such as Telegram, WhatsApp, and Instagram. Scammers continuously demand escalating fees but never deliver the promised funds.

  2. Rental Fraud

  Fraudulent property listings require cryptocurrency deposits. The advertised properties are fake, and scammers vanish after payment.

  3. Job Scams

  Fake remote jobs(e.g., rating content, boosting sales) demand upfront payments for training or tasks or get more benefits. Victims receive no promised income.

  4. Non-Crypto Product Scams

  Fraudulent sales of physical/digital goods (e.g., tickets, clothing, games, TV subscriptions). Payments via crypto or phishing links but no delivery.

  5. Phishing/Remote Access

  Scammers impersonate support teams or other identities to steal data or funds via screen-sharing or remote control tools.

  6. Account Verification Scams or Tax Scams

  Victims are coerced into depositing cryptocurrency to "unlock" accounts/funds or resolve fabricated tax issues, with no resolution or refunds.

   

  Critical Reminders

  ✅ Verify Transactions: Alchemy Pay’s on & off ramp is the one-stop solution to buy and sell crypto and fiat. If unsure about an order linked to crypto, contact us immediately:

  • Email: Support@alchemypay.org
  • Live Chat: Visit our official website and contact our online chat.
• What is Alchemy Pay?

  Alchemy Pay is a payment solution provider that makes transactions between fiat (Dollar, Euro, etc.) and crypto (Bitcoin, Ether, etc.) easy, secure, fast, and low cost. Our services make crypto investment, commercial transactions, and crypto and Web3 services easily accessible to consumers and institutions around the world.

  Alchemy Pay provides crypto and Web3 services with fiat-to-crypto on-ramps so that users can buy crypto and participate directly with mainstream-friendly fiat payment methods such as credit and debit cards, mobile wallets, and bank transfers.

  The network is currently supported in over 170 countries, has over 300 payment channels, and has a global reach of over 2 million merchants. This is made possible by partnerships with OTC and global crypto exchanges, financial institutions, and global remittance companies.

  Alchemy Pay has partnerships, co-operations, and integrations with Binance, Shopify, NIUM, QFPay, Checkout.com, Arcadier, Cobo, Huobi Global, Algorand, Polygon, NEAR, Elrond, Avalanche, VeChain – and many more.

  Alchemy Pay provides partners with tailored blockchain and payment related services. Strategic partners such as NIUM, for example, enhance Alchemy Pay’s capabilities, with cost-efficient remittance services, and additional fiat payment channels.

  Leading blockchain networks like Algorand, Polygon, NEAR, Elrond, Avalanche have all integrated Alchemy Pay’s fiat payment channels and their tokens are supported on the Alchemy Pay payment network.
  ​
  To get a more comprehensive view of Alchemy Pay’s network the full ecosystem can be found on the Alchemy Pay website.

• How do I use On-Ramp to buy crypto currency?

  * Once the cryptocurrency transfer is completed, it is irreversible. Please make sure that the receiving address is the address you hold. If you enter the wrong information, you will lose the corresponding assets.

   

  Please visit our official website: alchemypay.org and log in with your On Ramp account. If you do not have an On Ramp account, please refer to "How do I create an On-Ramp account with Alchemy Pay?" to register your account. Your current IP defaults to your country/region, you can also manually select your country and region, it will display payment methods based on your country.

   

  1. Select the cryptocurrency you want to buy and enter the amount you want to buy in fiat currency. The system will automatically calculate the amount of cryptocurrency you can buy based on the fiat currency amount you entered and the actual exchange rate. The exchange rate is updated every 15 seconds.

  

   

  2. Click "Proceed" to enter the address input page and add your existing blockchain wallet address.

  

   

  3. Click "Proceed" to enter the payment page. You can choose a supported payment method, e.g., Card transfer, and enter your bank card information on this page. Click "Confirm" to complete the payment.

  

   

  4. Once the payment is done, Alchemy Pay will transfer the crypto currencies to the wallet address you submit.

   

• How can I buy crypto currencies with Alchemy Pay? What are the fees?

  Currently, we support users to pay with Visa/Master Card worldwide. If you are in Indonesia, we also accept payments via bank transfers and mobile wallets. The corresponding charge standards are as follows:

  Indonesia	OVO	3.0%+1000 IDR
  Indonesia	Dana	3.0%+1000 IDR
  Indonesia	QRIS	2.0%+1000 IDR
  Indonesia	LinkAja	3.0%+1000 IDR
  Indonesia	Virtual Account	1.0%+6000 IDR
  Credit Card	Visa/Master Card	4.0%

  Note: Gas fees will be charged for purchasing BTC, ETH and ERC20 tokens. It is based on the network condition.

   

  *Why is the amount of cryptos I finally received less than the amount shown on the order page?

  We kindly request that you take note of the following matter: the information displayed on the order page is merely for reference and may not necessarily reflect the best price available. The quantity shown on the checkout page depends on the payment method selected, as each method incurs varying processing fees. We advise selecting the most advantageous payment method for your purchase. Prices refresh in real time.

  Meanwhile, the Gas fees are typically determined by market supply and demand and may fluctuate. It may increase during times of network congestion.

  Different blockchain networks also handle Gas fees differently. Therefore, when making orders, please refer to the specific documentation and tools provided by the blockchain network and wallet you use to obtain accurate Gas fee information.

  In addition, orders are executed based on real-time prices, and the final quantity will also change if settlement is delayed.

  If you have any further questions, feel free to reach out to our customer support.

• Is there any amount limit for purchases of crypto currency?
  The minimum order amount is 15 USD and the maximum is 2000 USD for each single payment.Your transaction limit is set based on your specific account configuration and is designed to protect the security of your funds.

   

  Transaction limits are not the same for all users. They are dynamically adjusted based on a comprehensive risk assessment of each transaction and your account profile.

   

  If you receive a message stating that you have reached your limit, please wait until the reset time. Any further transactions can be processed after the limit refreshes.

   

  You may also be able to increase your transaction limits by completing a higher level of identity verification (KYC). If you have already completed the highest KYC level and still require a limit increase, please contact our Support Team and let us know your needs.

• Why was my payment rejected?

  There could be several reasons why your bank payment is failing for a crypto purchase:

  1. Insufficient Funds: If you don't have enough money in your account to cover the cost of the crypto purchase, your bank may decline the transaction.
  
  2. Bank Restrictions: Some banks may have restrictions on cryptocurrency purchases due to their volatile nature or concerns about fraud and money laundering.
  
  3. Technical Issues: There could be technical issues on either end that prevent the payment from going through, such as connectivity issues or software glitches. Please try again.
  
  4. Card Restrictions: Your bank may have restrictions on using your debit or credit card for online purchases, or for certain types of purchases like crypto.
  
  5. Fraud Prevention: To prevent fraud, your bank may flag the transaction as suspicious and decline it until you verify your identity or authorize the purchase.

   

  If your order has the following failure message, we advice contacting your bank's customer support for more information about the specific reason why your payment is failing. They may be able to help you identify the issue and find a solution:

  -Cardholder failed 3DS authentication
  -Suspected fraud
  -Declined by bank's antifraud
  -Do Not Honour

   

  Error Text	Comments
  Bank fail:Risk control rejects this transaction.	The payment failed due to a security violation. If the issue persists please contact us.
  Insufficient Funds	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Cardholder failed 3DS authentication	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Transaction not permitted to cardholder	The payment failed, please check your card details and try again.
  Suspected Fraud	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Order has expired	Please try again. If the problem persists, please contact us.
  Policy	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Security	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  special eci refused	Please change bank card/payment method
  Declined by 3-D Secure	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Declined - Do Not Honour	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Common decline by bank	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Risk Blocked Transaction	The payment failed due to a security violation. If the issue persists please contact us.
  Bank fail:Risk blocked transaction	The payment failed due to a security violation. If the issue persists please contact us.
  Bank fail:Order error	Please try again. If the problem persists, please contact us.
  REFUSED：The payment request has been declined by a third party, or by a Worldpay fraud detection service.	Payment failed due to a security breach.
  Cardholder failed 3D-Secure authentication	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Invalid merchant or service provider	The payment failed due to a technical issue. If the issue persists please contact us.
  Invalid Merchant, or Merchant is not active	The payment failed due to a technical issue. If the issue persists please contact us.
  Bank fail:Authentication fail,eci=07	Please change bank card/payment method,If you use Apple Pay to pay, you need to upgrade the iOS system. The iOS version needs to be above 16.1.
  Declined by bank's antifraud	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Declined by Antifraud	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Service is under maintenance	Service is under maintenance
  Exceeds Withdrawal Value/Amount Limits	The payment has been declined by your bank. Please try a different card or contact your bank for further support.
  Activity amount limit exceeded	The payment has been declined by your bank. Please try a different card or contact your bank for further support.

• How long does identity verification take?

  Most of verification will be processed automatically and will give you feedback within 1 minute, but if you submit documents or images that do not meet our requirements, we may need to manually verify them, which may cause additional delays. Most of verification are processed between a few minutes and 24 hours.

• I have paid, but my order cancelled, will the money be returned? What should I do?

  Don't stress, your deducted payment will definitely be returned!
  ​
  If for some reason, your transaction fails or is cancelled, we will also cancel the subsequent purchase process. However, in some cases your card issuing bank may not cancel the payment right away.
  ​
  In this case, please send an email to Alchemy Pay: Support@alchemypay.org, or get in touch with us via Chat, and provide as much information as possible.
  ​
  Please have the following details ready:
  -Alchemy Pay Order ID
  -Payment Serial Number to track in our database. Additionally, please provide the
  -Crypto Wallet Address and/or
  -Transaction hash ID
  -Screenshot of the payment receipt
  ​
  Rest assured, Alchemy Pay will never charge any fees for a failed transaction.

• How long does it usually take for the crypto currencies to arrive?

  Once payments via credit cards, mobile wallets and bank transfer are done, it usually takes from a few minutes to a few hours to transfer the crypto currency to you, depending on the order quantity and any other security checks. If you face any problem or your order still not been sent yet, please kindly contact our customer care at Support@alchemypay.org, and please inform us these data:

  1. Order ID:
     
  2. Screenshot of your order detail:
     
  3. Which platform (Alchemy Pay's partner) do you use: