Heleket

Heleket is a custodial cryptocurrency payment processing platform that enables online merchants and businesses to accept digital asset payments, automate stablecoin conversions, send mass payouts, and spend crypto revenue via virtual Visa and Mastercard cards — all through a single account and API.

Core Mechanism

Heleket connects merchants to payers through an invoice-based flow: a merchant calls the Heleket Payments API to create an invoice or static wallet address, the payer sends the agreed cryptocurrency directly on-chain, and Heleket credits the merchant's internal balance after confirmation. Webhooks notify the merchant system of payment status changes in real time. The entire interaction is documented in Heleket's developer portal at doc.heleket.com, which exposes separate Payments and Payouts API namespaces, a PHP SDK, and CMS plugins.

On the payout side, merchants can withdraw balances to external wallets either manually or through auto-withdrawal rules that sweep profits on a set schedule. The platform also offers a Swapper for instant zero-fee coin conversion within the account and an Auto-Converter that converts incoming revenue to USDT automatically to shield merchants from price volatility.

Key Features

Acquiring and payment collection. Merchants generate invoices through the API or via a QR-code payment form embedded in a checkout page. Fees start at 0.4% per transaction — significantly below the 1.5–4% typical of traditional card acquiring — and the platform calculates exact processing fees to prevent rounding losses.

CMS plugins and integrations. Ready-made modules are available for WooCommerce, WHMCS, XenForo, PremiumExchanger, Bot-t, and Seller.games, enabling merchants to add crypto checkout without custom development.

Mass payouts. Merchants can batch-send funds to multiple recipients — affiliates, freelancers, and employees — through the Payouts API rather than executing transfers individually.

Auto-Converter. Incoming payments in volatile assets are automatically converted to USDT on a schedule the merchant configures, removing the need to manually hedge positions after every sale.

Virtual cards. Heleket issues virtual Visa and Mastercard cards funded with USDT or USDC stablecoins. Cards carry a five-dollar issuance fee (deducted from a minimum twenty-dollar deposit), have a one-year validity period, and are accepted by services including Netflix, Spotify, Google Ads, Facebook Ads, and Steam. Apple Pay and Google Pay are not currently supported. No KYC verification is required to issue a card.

Referral program. Merchants can refer other businesses and earn up to 30% commission on those merchants' transaction fees.

Personal account managers. Business accounts come with a dedicated support manager to assist with integration and configuration.

Supported Assets

Confirmed supported networks and currencies include Bitcoin (BTC), Ethereum (ETH), USDT on both ERC-20 and TRC-20 networks, USDC, Monero (XMR), Litecoin (LTC), Tron (TRX), and Dash. Forklog's independent review also lists Solana as a supported blockchain for payment acceptance, making SOL one of the accepted payment currencies for merchants on the platform. The full list of active services is published in the List of services section of the developer documentation at doc.heleket.com.

Geographic Coverage

The platform is available in over 100 countries. Explicitly excluded jurisdictions include the United States, Russia, Belarus, Ukraine, Iran, Iraq, Syria, Lebanon, Afghanistan, Myanmar, Yemen, Cambodia, Pakistan, North Korea, and Sudan.

Security and Compliance

Heleket uses SSL/TLS encryption and states it applies modern encryption technologies and data protection measures. The platform implements two-factor authentication for account access and maintains an AML policy, including an AML questionnaire workflow accessible through the API. No third-party smart contract or code audit by a named external security firm has been disclosed in available sources. No publicly reported security incidents have been documented since the platform's launch.

Team

No founding team members are publicly named or disclosed in Heleket's website, documentation, or independent reviews. The platform operates under the Heleket Systems brand and launched in 2025 based on independent review coverage.

Solana Ecosystem Fit

Heleket's relevance to the Solana ecosystem lies in its support for Solana as a payment network. Merchants who use Heleket can accept SOL from customers at checkout and receive balances denominated in SOL, subject to the same auto-conversion and auto-withdrawal options available for other supported assets. This positions Heleket as an on-ramp for e-commerce adoption of SOL payments: a business running WooCommerce can install the Heleket plugin and begin accepting SOL alongside BTC, ETH, and stablecoins within a single integration.

Heleket does not issue its own token, operate a validator, participate in Solana staking, or interact with on-chain Solana programs beyond receiving and sending SOL payments. It is a centralized, custodial service layer that abstracts multi-chain payment logistics for merchants who do not want to manage on-chain settlement themselves.