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What Is Bead?

Bead is a merchant solution now available through CARDZ3N that lets your customers pay with crypto, digital wallets, or Buy Now Pay Later, while you keep your existing pricing, workflow, and dollar settlement. Customers can check out with Bitcoin, Lightning, USDC, PayPal, Venmo, Cash App, Klarna, Alipay, or WeChat Pay — you never have to touch or hold cryptocurrency yourself.

As a dedicated CARDZ3N integration, Bead runs alongside your existing processing rather than replacing it. It handles the currency conversion, compliance, and settlement on the back end, and deposits land in your account in U.S. dollars on the same schedule you already use.

USDC

USDC is a U.S. dollar-pegged stablecoin — a form of cryptocurrency built to hold a steady 1:1 value with the dollar, so customers can pay with crypto without exposing either side of the transaction to price volatility.

How Bead Works

Ring Up the Sale

You ring up the sale in U.S. dollars exactly like you do today — same register, same invoice, same price.

Customer Chooses How to Pay

At checkout, your customer picks how they want to pay: Bitcoin, Lightning, USDC, PayPal, Venmo, Cash App, Klarna, Alipay, or WeChat Pay.

Bead's Hosted Checkout Guides Them Through

Bead's hosted checkout walks the customer through completing payment in their chosen method, handling any conversion or compliance step behind the scenes.

You Receive Settlement in U.S. Dollars

You receive settlement in U.S. dollars on your standard schedule, minus fees — regardless of which payment method the customer used.

You never touch crypto. Bead handles conversion, compliance, and settlement — you just get paid in U.S. dollars.

Compliance & Settlement

Bead is backed by SOC 2 reporting, so the conversion and settlement infrastructure behind every crypto, wallet, or BNPL payment meets recognized security and compliance standards. Your existing CARDZ3N fraud tools and chargeback protections continue to apply to every sale.

Tender availability varies by region and partner, and every account is subject to approval. Bead runs alongside your current processing setup rather than replacing it, so there is nothing new to configure in how you already accept cards.

Works With Your Valor Equipment & Gateway

Bead is built to work directly with CARDZ3N's Valor PayTech terminal and gateway lineup. If you're running a Valor countertop, wireless, or virtual terminal, Bead adds crypto, wallet, and BNPL acceptance on top of the hardware and gateway you already have.

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    Same pricing and settlement flow as your current CARDZ3N processing setup.
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    No new hardware — Bead adds tender options on top of your existing Valor terminal and gateway.
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    SOC 2-backed conversion, compliance, and settlement handled entirely by Bead.
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    Access to new buyers — crypto holders and international wallet users.
  • ✓
    You always settle in U.S. dollars, no matter which payment method the customer chose.

Bead FAQ

Do I have to accept cryptocurrency directly?
What happens when a customer uses Klarna?
Does adding Bead change my current processing setup?
Which payment methods can my customers use with Bead?
Is Bead secure and compliant?

Ready to Sign Up?

Start protecting your revenue from chargebacks today — schedule your complimentary consultation with CARDZ3N's Canadian dispute management specialists.

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