# xMoney Help Center

> xMoney, the world's digital payments network for all things money. Crypto-enabled & Fiat-ready. Powered by MultiversX.

## Welcome to xMoney

- [Welcome to xMoney](http://support.xmoney.com/en/articles/6976099-welcome-to-xmoney.md): xMoney at a Glance
- [Is xMoney on social media?](http://support.xmoney.com/en/articles/4388060-is-xmoney-on-social-media.md): Our official channels
- [xMoney Policy and Terms of Service](http://support.xmoney.com/en/articles/6553727-xmoney-policy-and-terms-of-service.md): Compliance policies
- [KYT - KYB - AML](http://support.xmoney.com/en/articles/8429264-kyt-kyb-aml.md)

## Accepting Crypto Payments via xMoney Crypto

- [General information](http://support.xmoney.com/en/articles/5356300-general-information.md): Quick answers to some common questions
- [Merchant Account](http://support.xmoney.com/en/articles/6824964-merchant-account.md): How to Create a xMoney Crypto Pay account?
- [Invoicing](http://support.xmoney.com/en/articles/6824596-invoicing.md): Create an invoice using xMoney
- [What documentation is required?](http://support.xmoney.com/en/articles/5424669-what-documentation-is-required.md)
- [Is my business sector restricted?](http://support.xmoney.com/en/articles/4388053-is-my-business-sector-restricted.md): Restricted sectors
- [Settlement currencies available](http://support.xmoney.com/en/articles/6063024-settlement-currencies-available.md): What are the currencies available for Merchants to get payouts?
- [Is xMoney available for all of my clients?](http://support.xmoney.com/en/articles/4879553-is-xmoney-available-for-all-of-my-clients.md): From which countries can a Merchant accept payments
- [Is xMoney available in my country?](http://support.xmoney.com/en/articles/4388085-is-xmoney-available-in-my-country.md): What countries are not supported by xMoney
- [How does xMoney Payment Flow work?](http://support.xmoney.com/en/articles/5424750-how-does-xmoney-payment-flow-work.md): A look into our Payment Flow.
- [What payment providers/banks does xMoney work with?](http://support.xmoney.com/en/articles/5424726-what-payment-providers-banks-does-xmoney-work-with.md): Which payments providers we work with for settlements
- [How does xMoney get the rates that are applied?](http://support.xmoney.com/en/articles/5424714-how-does-xmoney-get-the-rates-that-are-applied.md): How are exchange rates calculated.
- [Display Currencies](http://support.xmoney.com/en/articles/4387339-display-currencies.md): Which Fiat currencies can my customers order with through xMoney?
- [Sandbox Environment](http://support.xmoney.com/en/articles/4387352-sandbox-environment.md): How to test the xMoney integration
- [Add xMoney to my store](http://support.xmoney.com/en/articles/4387407-add-xmoney-to-my-store.md): How to integrate xMoney
- [Does xMoney integrate with Shopify?](http://support.xmoney.com/en/articles/7943211-does-xmoney-integrate-with-shopify.md)
- [I lost access to 2FA. What to do?](http://support.xmoney.com/en/articles/8410245-i-lost-access-to-2fa-what-to-do.md): What to do when you lose acces to 2FA.
- [How to update my settlements and payout settings?](http://support.xmoney.com/en/articles/8486598-how-to-update-my-settlements-and-payout-settings.md): How to proceed to update your settlement currency and/or payment details.
- [Refunding as a merchant](http://support.xmoney.com/en/articles/9076946-refunding-as-a-merchant.md): Refunding your customers
- [Setting up settlements](http://support.xmoney.com/en/articles/9090752-setting-up-settlements.md): How to get funds transferred to your bank account or crypto wallet
- [Merchants Info: USDT Payouts No Longer Supported due to MiCA regulations](http://support.xmoney.com/en/articles/10760015-merchants-info-usdt-payouts-no-longer-supported-due-to-mica-regulations.md)
- [Off ramp for businesses](http://support.xmoney.com/en/articles/12042556-off-ramp-for-businesses.md)

## xMoney Crypto Payments

- [How to Pay](http://support.xmoney.com/en/articles/4388047-how-to-pay.md): How to pay through xMoney
- [When will my payment be confirmed?](http://support.xmoney.com/en/articles/5828326-when-will-my-payment-be-confirmed.md): How to pay through xMoney
- [Payment networks and currencies](http://support.xmoney.com/en/articles/4879097-payment-networks-and-currencies.md): What networks and currencies can I use to pay?
- [Why is my bill cancelled?](http://support.xmoney.com/en/articles/4388052-why-is-my-bill-cancelled.md): Canceled bills
- [How refunds work](http://support.xmoney.com/en/articles/4388032-how-refunds-work.md): Everything you need to know about refunds
- [How to get a refund](http://support.xmoney.com/en/articles/9531685-how-to-get-a-refund.md): You are entitled to a refund. What's next?
- [Pending refund due to merchant's negative balance](http://support.xmoney.com/en/articles/5690720-pending-refund-due-to-merchant-s-negative-balance.md): Pending refund due to negative balance
- [Underpayment](http://support.xmoney.com/en/articles/4387336-underpayment.md): What happens when I send less than the amount requested?
- [Overpayment](http://support.xmoney.com/en/articles/4387334-overpayment.md): What happens when I send more than the amount required?
- [Bill Expired](http://support.xmoney.com/en/articles/4787185-bill-expired.md): Why has my order/invoice expired?
- [Binance Pay](http://support.xmoney.com/en/articles/10289866-binance-pay.md)
- [Buyers Info: USDT Payments No Longer Supported due to MiCA regulations](http://support.xmoney.com/en/articles/10757983-buyers-info-usdt-payments-no-longer-supported-due-to-mica-regulations.md)
- [Tax Treatment of Fees after transition to Portuguese Licence under Cifralfabeto Unipessoal Lda](http://support.xmoney.com/en/articles/13845994-tax-treatment-of-fees-after-transition-to-portuguese-licence-under-cifralfabeto-unipessoal-lda.md)
- [HTP \(High Ticket Payments\)](http://support.xmoney.com/en/articles/14479593-htp-high-ticket-payments.md)
- [xMoney Rewards](http://support.xmoney.com/en/articles/12952230-xmoney-rewards.md)

## UTK Token

- [Voting closed: Welcome UTK 3.0 tokenomics.](http://support.xmoney.com/en/articles/8267483-voting-closed-welcome-utk-3-0-tokenomics.md): Update on the The tokenomics of the UTK 3.0 token.
- [History of the UTK token.](http://support.xmoney.com/en/articles/7943649-history-of-the-utk-token.md)
- [On which exchanges can i buy the Utk token?](http://support.xmoney.com/en/articles/7943703-on-which-exchanges-can-i-buy-the-utk-token.md)
- [Do I need the bridge if my funds are on an exchange?](http://support.xmoney.com/en/articles/6261304-do-i-need-the-bridge-if-my-funds-are-on-an-exchange.md): Do I need the bridge if my funds are on an exchange? \(i.e. Binance, Kucoin, etc.\)
- [Is our UTK token multichain?](http://support.xmoney.com/en/articles/7943733-is-our-utk-token-multichain.md)
- [Where can i store my UTK tokens?](http://support.xmoney.com/en/articles/7943831-where-can-i-store-my-utk-tokens.md)
- [Where can I easily bridge my UTK tokens to another blockchain network?](http://support.xmoney.com/en/articles/7943850-where-can-i-easily-bridge-my-utk-tokens-to-another-blockchain-network.md)
- [How do I use the MultiversX Bridge to Swap UTK?](http://support.xmoney.com/en/articles/6261314-how-do-i-use-the-multiversx-bridge-to-swap-utk.md): How do I use the MultiversX Bridge to Swap UTK?
- [What is the swap ratio?](http://support.xmoney.com/en/articles/6261316-what-is-the-swap-ratio.md): What is the swap ratio?
- [How do I buy UTK on the xPortal Exchange?](http://support.xmoney.com/en/articles/6261317-how-do-i-buy-utk-on-the-xportal-exchange.md): How do I buy UTK on the xPortal Exchange?
- [How do I store UTK on the xPortal App?](http://support.xmoney.com/en/articles/6261319-how-do-i-store-utk-on-the-xportal-app.md): How do I store UTK on the xPortal App?
- [How do I stake UTK? How do I check my rewards?](http://support.xmoney.com/en/articles/6261321-how-do-i-stake-utk-how-do-i-check-my-rewards.md): Staking UTK on MultiversX and checking my rewards
- [How do I unstake UTK? Is there a waiting period?](http://support.xmoney.com/en/articles/6261324-how-do-i-unstake-utk-is-there-a-waiting-period.md): How do I unstake UTK? Is there a waiting period?
- [How to be a Liquidity Provider \(LP\) for the UTK/EGLD pair? What are the risks?](http://support.xmoney.com/en/articles/6261326-how-to-be-a-liquidity-provider-lp-for-the-utk-egld-pair-what-are-the-risks.md): How to be a Liquidity Provider \(LP\) for the UTK/EGLD pair? What are the risks?
- [What is Metastaking and how do I use it to receive UTK?](http://support.xmoney.com/en/articles/6261327-what-is-metastaking-and-how-do-i-use-it-to-receive-utk.md): What is Metastaking and how do I use it to receive UTK?
- [How do I participate in Metabonding, and how does it work?](http://support.xmoney.com/en/articles/6261329-how-do-i-participate-in-metabonding-and-how-does-it-work.md): How do I participate in Metabonding, and how does it work?
- [What will happen if I don’t swap my tokens? Is there a time limit?](http://support.xmoney.com/en/articles/6261354-what-will-happen-if-i-don-t-swap-my-tokens-is-there-a-time-limit.md): What will happen if I don’t swap my tokens? Is there a time limit?
- [Governance voting](http://support.xmoney.com/en/articles/8129383-governance-voting.md)
- [How to buy UTK with FIAT directly on xPortal?](http://support.xmoney.com/en/articles/8484944-how-to-buy-utk-with-fiat-directly-on-xportal.md): Steps on how to buy UTK directly with fiat on xPortal.

## xMoney Fiat Pay

- [About](http://support.xmoney.com/en/articles/7945968-about.md): about xMoney fiat
- [Merchants](http://support.xmoney.com/en/articles/7946011-merchants.md): Useful information for merchants.
- [Business compliance & terms of conditions.](http://support.xmoney.com/en/articles/7946041-business-compliance-terms-of-conditions.md): Compliance and terms of conditions
- [Activation](http://support.xmoney.com/en/articles/7946057-activation.md): xMoney fiat pay information regarding activation.
- [Pay out](http://support.xmoney.com/en/articles/7946062-pay-out.md): Information regarding the pay out.
- [Dashboard & Transaction management.](http://support.xmoney.com/en/articles/7946083-dashboard-transaction-management.md): Useful information
- [Payment modules](http://support.xmoney.com/en/articles/7946090-payment-modules.md)
- [Payment integrations](http://support.xmoney.com/en/articles/7973246-payment-integrations.md): Instructions for the integrations.
- [FAQ Prestashop integration](http://support.xmoney.com/en/articles/7973331-faq-prestashop-integration.md): Frequently asked questions regarding the Prestaship integration
- [FAQ WooCommerce integration](http://support.xmoney.com/en/articles/7973355-faq-woocommerce-integration.md): Frequently asked questions regarding the WooCommerce integration.
- [What is the Travel Rule?](http://support.xmoney.com/en/articles/11666696-what-is-the-travel-rule.md)

## xMoney pay links

- [xMoney Crypto Pay Links](http://support.xmoney.com/en/articles/7943988-xmoney-crypto-pay-links.md): How to pay?
- [xMoney Fiat Pay Links](http://support.xmoney.com/en/articles/7944009-xmoney-fiat-pay-links.md): How to pay?
- [Security FAQ](http://support.xmoney.com/en/articles/7944025-security-faq.md): Frequently asked questions regarding security.

## Ecosystem: The Power Of X

- [About the applications,products and services](http://support.xmoney.com/en/articles/7944050-about-the-applications-products-and-services.md): The power of X

## Need Help?

- [Contact xMoney Crypto](http://support.xmoney.com/en/articles/4387345-contact-xmoney-crypto.md): Get help from xMoney!