AmmerPay

AmmerPay is a cryptocurrency payment processor developed by Ammer Capital AG, headquartered in Baar, Switzerland. The platform enables merchants to accept a range of digital assets — including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Tether (USDT), USD Coin (USDC), and Toncoin (TON) — and receive settlements in Swiss francs or euros within two business days. By absorbing the conversion step and managing settlement timing, AmmerPay removes the currency exposure and operational friction that typically prevent traditional merchants from adding crypto payment rails.

How AmmerPay Works

The core mechanics are designed to be merchant-friendly. A customer pays in cryptocurrency, AmmerPay processes and converts the transaction, and the merchant receives fiat currency in their bank account within 48 hours. The platform charges a flat 1% transaction fee with no stated upper limit on transaction size, positioning it for both everyday retail volumes and larger B2B invoice payments. AML/KYC screening and fraud detection are built into the processing layer.

AmmerPay's product suite spans three merchant channels:

Point of Sale: A software or hardware POS terminal for in-store payments, where customers complete transactions by scanning a QR code or tapping via NFC using any compatible crypto wallet. The terminal includes inventory management features and is designed to run alongside conventional payment methods rather than replace them.

Invoicing: A secure invoice system for billing clients in cryptocurrency. This channel is aimed at service businesses, consultancies, and freelancers operating in the Swiss and broader European crypto community who need to issue formal payment requests.

eCommerce: Ready-made plugin integrations for WooCommerce and Wix enable online stores to add crypto checkout without custom engineering. A documented API is available for businesses with more complex integration requirements.

Solana Integration

AmmerPay has added Solana (SOL) to its accepted currency list across all three product channels — POS terminals, invoices, and eCommerce plugins. Solana's fast transaction finality and low network fees make it particularly well suited to point-of-sale contexts, where payment confirmation speed directly affects the customer experience at the counter. The integration broadens AmmerPay's merchant network as an accessible on-ramp for SOL holders seeking real-world spending options.

Wallee Terminal Partnership

A significant distribution step for AmmerPay is its partnership with Wallee, a Swiss payment infrastructure provider whose terminals are deployed across European retail and hospitality businesses. Ammer Group and Wallee jointly developed a terminal app — available through the Wallee merchant portal — that runs directly on Wallee's mobile payment hardware. Merchants already on the Wallee platform can install the Ammer Pay app to add crypto acceptance to their existing terminal without additional hardware. Customers pay via QR code or NFC and merchants receive their payout in fiat, with no settlement costs or currency risk passed through.

This distribution partnership moves AmmerPay beyond self-selecting crypto-native merchants and into mainstream retail environments where Wallee infrastructure is already deployed, widening the pool of merchants reachable through a single app installation.

The Ammer Group Ecosystem

AmmerPay is one product within a broader suite developed by Ammer Group AG. Two additional products extend the group's reach to the consumer side of the transaction:

Ammer Wallet is a non-custodial, multi-chain digital asset wallet for iOS and Android. Private keys are stored locally on the device and are never transmitted over the internet or stored in the cloud. The wallet integrates with the Ammer Pay merchant network and supports NFC payments at compatible terminals.

Ammer Card is a hardware NFC wallet built in a standard bank card form factor, enabling contactless crypto payments within the Ammer Pay merchant network. The product sits at the intersection of cold storage security and everyday payment convenience.

Together, these products position Ammer Group on both sides of the crypto-to-merchant payment transaction — supplying the merchant terminal infrastructure and the customer's payment instrument.

Regulatory Context and Target Market

AmmerPay targets Swiss and European businesses. Baar, where Ammer Capital AG is headquartered, sits in Zug Canton — commonly known as Crypto Valley — Switzerland's established hub for regulated blockchain companies. AmmerPay describes its operating framework as compliant with Swiss and European regulatory requirements, and includes AML/KYC screening in its processing layer.

Merchants onboard through a personal account manager and receive access to reporting dashboards for transaction tracking and reconciliation. The platform is available on Android, iOS, and desktop.

The company positions crypto acceptance as a revenue expansion tool for traditional merchants, arguing that the crypto-holding customer segment represents incremental business that is otherwise inaccessible to merchants not offering digital asset payment options. The two-business-day fiat settlement is central to this pitch: merchants can participate in the crypto economy without taking on balance-sheet exposure to volatile digital assets.

Company Background

Ammer Capital AG and Ammer Group AG share an address at Grabenstrasse 27, 6340 Baar, Switzerland. Beyond payment processing, Ammer Group has documented involvement in adjacent blockchain applications, including a partnership with Bulgarian football club CSKA 1948 around fan tokens and NFTs, financial inclusion projects in Peru, and participation in the Paytech Summit 2024 — indicating a group active across multiple crypto verticals with AmmerPay as its primary merchant-facing product.