Getting Started with FiatFlex: A Complete Setup Guide

Ready to revolutionize your payment processing? This comprehensive guide will walk you through setting up FiatFlex from account creation to accepting your first payment.

Before You Begin

What You'll Need

• Valid business registration documents
• Government-issued ID for verification
• Business bank account details (IBAN and BIC)
• Basic business information (address, contact details, business type)
• A smartphone: FiatFlex runs in the mobile app, and there is no web dashboard

What Sets the Pace

• Account creation and setup happen in the app, in one sitting
• Identity verification (KYC/KYB) is run by regulated third-party providers, so how long it takes depends on the checks they need and on the documents you supply

Step 1: Account Creation

Download the FiatFlex App

Registration happens in the mobile app, not on the website. Install FiatFlex from the App Store (iOS) or Google Play (Android), open it and tap "Create account."

Choose Account Type

Select "Business Account" to access all FiatFlex features including both crypto and fiat payment processing.

Basic Information

Provide your business details:

• Business name and registration number
• Business address and country
• Primary contact information
• Business category and estimated transaction volume

Create Credentials

• Choose a strong password (minimum 12 characters)
• Verify your email address

Step 2: Business Verification

Document Upload

Upload clear photos or scans of:

• Business registration certificate
• Tax identification documents
• Proof of business address
• Director/owner identification

KYC (Know Your Customer) Process

Complete identity verification for every business owner who holds 25% or more of the company:

• Government-issued photo ID
• Proof of address (utility bill, bank statement)
• Selfie verification

How Long Verification Takes

Identity verification is carried out by regulated third-party providers. How long it takes depends on the checks they need to run and on the documents you supply, so FiatFlex does not promise a completion time.

Step 3: Banking Setup

Add Your Bank Account

In the FiatFlex app, add your business bank account:

• IBAN (International Bank Account Number)
• BIC/SWIFT code
• Bank name and address
• Account holder name (must match business registration)

Verification Process

There is no test deposit to wait for. Your bank details are checked against the verified identity of the account holder by the regulated payout partner, so the account holder name must match your verified business or personal identity exactly. A mismatch is the usual reason a bank account is rejected.

Withdrawal Settings

Withdrawals are always manual. There is no automatic payout schedule to configure: you choose when to withdraw your card balance to your bank, and when to cash out your stablecoins. A stablecoin cash-out is a single operation: a regulated partner converts the stablecoins and wires the euros to your bank account, with no euro balance held in between.

Step 4: Payment Method Configuration

Crypto Payment Setup

Wallet Generation: FiatFlex automatically creates secure wallets for USDC and EURC on the Solana blockchain.

Payment Links: Create customizable payment links for invoices and online sales.

QR Code Generation: Generate QR codes for in-person crypto payments.

Fiat Payment Setup

Tap to Pay: Accept contactless cards and mobile wallets (Apple Pay, Google Pay, Samsung Pay) directly on a compatible smartphone, with no external terminal. Tap to Pay is available in France only at launch.

Receipt Settings: Configure digital receipt delivery.

Step 5: Integration and Testing

Before you start taking real payments, run a few checks so your first live transaction goes smoothly.

Send a Test Payment Link

Create a small payment link or QR code and pay it yourself (or ask a colleague) using a supported asset (USDC or EURC). Confirm that the payment appears in the app and that the status updates correctly.

Try a Tap to Pay Transaction

If you accept fiat, run a low-value contactless Tap to Pay transaction with a real card or mobile wallet (Apple Pay, Google Pay or Samsung Pay) to confirm your phone reads cards reliably in your environment.

Verify Your First Cash-Out

Cash out a small stablecoin balance: a regulated partner converts it and wires the euros to your SEPA-area bank account in a single operation. This confirms your banking details are correct end to end. Remember that FiatFlex gives you manual control - you decide when to cash out your stablecoins and when to withdraw your card balance.

Check Notifications and Receipts

Make sure payment confirmations, receipts and app notifications reach you and your customers as expected.

Going Live

Once your test transactions look right, you are ready to accept payments from real customers. A few good habits for your first weeks:

• Keep your KYC/KYB details up to date so verification never blocks a payout.
• Reconcile the app's records against your bank statements regularly.
• Use clear, descriptive references on payment links so your bookkeeping stays clean.
• Revisit your conversion timing as you learn how your cash flow works.

Frequently Asked Questions

How long does FiatFlex onboarding take?

Account creation happens in the app, in one sitting. Identity verification (KYC/KYB) is then carried out by regulated third-party providers, and how long that takes depends on the checks they need to run and on the documents you supply.

Do I need any special hardware to accept payments?

No. Crypto payments work through payment links and QR codes, and contactless Tap to Pay runs on a compatible smartphone - there is no external terminal to buy.

When do funds reach my bank account?

You stay in control of timing: you decide when to withdraw your card balance and when to cash out your stablecoins, which are converted and wired as euros in a single operation. A regulated partner executes each transfer to your SEPA-area bank account, and arrival depends on that partner and on the receiving bank, so FiatFlex does not promise a specific arrival time.