Pundi X Merchant Fee Calculator
Calculate your estimated monthly payment processing costs when using Pundi X compared to competitors. Based on real-world merchant data from the article.
Pundi X Processing
Free First Year
Fees
$0.00
PUNDIX Rewards
+ 0.00 PUNDIX
Competitor Comparison
BitPay
Fees
$0.00
Settlement Time
1-2 days
Competitor Comparison
Crypto.com Pay
Fees
$0.00
Settlement Time
Instant
Ethereum Migration Impact: Processing time should drop to 5 seconds after December 2025 migration. Gas fees may decrease by 37%.
When you think of buying coffee with cryptocurrency, what comes to mind? A QR code? A wallet app? What if you could just tap a card or swipe a terminal like you would with a debit card - and pay in Bitcoin, Ethereum, or USDT - right at your local store? That’s the real goal behind Pundi X (PUNDIX), a crypto project that’s less about speculation and more about making crypto actually usable in everyday life.
What Pundi X Actually Does
Pundi X isn’t another meme coin or DeFi protocol. It’s a payment infrastructure company built around physical hardware. Its main product, the XPOS terminal, is a small device merchants can plug into their existing cash registers. It lets customers pay with over 10 different cryptocurrencies - including Bitcoin, Ethereum, BNB, and USDT - and the merchant gets settled in fiat or crypto, depending on their preference. Think of it like a Square reader, but for crypto. Instead of waiting for online wallets to sync or dealing with slow confirmations, XPOS uses a two-layer system: one layer handles the exchange of tokens in real time, and the second layer records the transaction on the blockchain. This means the payment is instant for the customer, and the merchant gets confirmation within seconds. The company’s slogan - “the 7-Eleven of digital currencies” - isn’t marketing fluff. They’ve installed XPOS terminals in over 1,200 stores across 30+ countries, from small pharmacies in Colombia to convenience stores in Thailand and Indonesia. In places where banks are unreliable or inflation is out of control, like Venezuela and Argentina, Pundi X has become a lifeline for local businesses.The PUNDIX Token: What It’s For (and What It’s Not)
PUNDIX is the native token of the Pundi X ecosystem. It was created in 2021 after a token redenomination: 1,000 old NPXS tokens became 1 PUNDIX. The total supply is fixed at 258,386,541 tokens, and as of December 2025, it trades around $0.2354. But here’s the catch: you don’t need PUNDIX to make a payment. Most transactions on XPOS terminals use stablecoins like USDT or major cryptos like ETH. PUNDIX’s main role is as a reward token. Merchants earn PUNDIX for using the system, and customers get PURSE tokens (a separate reward token) when they pay with crypto. These rewards can be redeemed for discounts or cashback. That’s why analysts point to a “token utility disconnect.” The token doesn’t power the payments - it powers the incentives. If the rewards dry up, merchants might not stick around. That’s a big risk.How It Works: XPOS, XWallet, and XPass
Pundi X has three main products that work together:- XPOS: The physical terminal. Merchants install it. Customers pay with crypto. Settlement happens in seconds.
- XWallet: A mobile app that acts as both a crypto wallet and an exchange. You can buy, sell, and store crypto - and use it to pay at XPOS locations.
- XPass Card: A crypto debit card (called p(x)Card) that links to your XWallet. You can load it with crypto, and it automatically converts to fiat when you swipe it at any regular card terminal.
How It Compares to Other Crypto Payment Systems
There are other crypto payment providers like BitPay, Coinbase Commerce, and Crypto.com Pay. But they’re mostly online-only. They let you pay on websites with a button or QR code. Pundi X is the only one with actual hardware in physical stores. | Feature | Pundi X | BitPay | Crypto.com Pay | |--------|---------|--------|----------------| | Physical Terminals | Yes (XPOS) | No | No | | Crypto Debit Card | Yes (p(x)Card) | No | Yes | | Supported Coins | 10+ (BTC, ETH, USDT, BNB, etc.) | 10+ | 10+ | | Merchant Fees | Free first year, then variable | 1% | 0.5-1% | | Settlement Speed | Under 5 seconds | 1-2 days | Instant | | Global Store Count | ~1,247 | N/A | N/A | Pundi X wins on physical presence. But it loses on scale. Crypto.com Pay processed over $100 billion in transactions in 2024. Pundi X’s volume is undisclosed, but with only 1,247 terminals, it’s a fraction of that.Real User Experiences: Pros and Cons
Merchants who’ve installed XPOS have mixed reviews. Positive:- “No transaction fees for the first year - that’s huge for small shops,” says a coffee shop owner in Seattle.
- “We had 22% of our crypto customers come back within a month because of the PURSE rewards,” says a pharmacy owner in Colombia.
- “The p(x)Card works like a normal debit card. My customers don’t even know it’s crypto.”
- “It took 7 minutes to process one transaction during lunch rush. We lost customers.”
- “Customer support takes over 2 days to reply if you’re not a premium merchant.”
- “Setting up the terminal took 3 hours. Staff needed 5 hours of training just to handle basic issues.”
The Big Shift: Moving to Ethereum
In December 2025, Pundi X is making its most important move yet: shutting down its own blockchain (Pundi X Chain) and moving everything to Ethereum. This is part of Prop #8, a community vote that passed with overwhelming support. Why? Because running their own chain was expensive and slow. Transaction times averaged 14.3 seconds. On Ethereum, they expect to cut that to under 5 seconds. Gas fees should drop by 37%, and integration with other Ethereum-based tools (like Chainlink or DeFi protocols) becomes easier. Analysts see this as a smart pivot. “If they can make Ethereum work for retail payments, they finally have a scalable path,” says Ryan Selkis of Messari. But it’s also a gamble. Ethereum’s network can get congested too - and fees can spike. If they don’t optimize well, their speed advantage could vanish.Where Pundi X Stands Today
As of December 2025:- Market cap: ~$61 million (BTC 750.87)
- Rank: #567 on CoinGecko
- Market share: 0.007% of total crypto market
- Active terminals: 1,247
- 24-hour trading volume: ~$17.6 million
- Can they keep merchants after the free year ends?
- Will the Ethereum migration actually improve speed and reliability?
- Can they scale beyond Asia and Latin America into North America and Europe?
Is Pundi X Worth Paying Attention To?
If you’re looking to speculate on crypto prices, PUNDIX isn’t the best bet. Its price is tied to adoption, not hype. But if you care about crypto becoming real money - something you can use at the gas station, the pharmacy, or the corner store - then Pundi X is one of the few projects actually trying to make that happen. It’s not perfect. The tech is clunky. Support is slow. The token utility is weak. But it’s one of the few crypto projects with physical terminals in real stores - and that matters more than any whitepaper. The next 12 months will decide if Pundi X becomes the foundation of crypto payments - or just another footnote in crypto history.Is PUNDIX the same as NPXS?
No, PUNDIX replaced NPXS in August 2021 through a token redenomination. Every 1,000 NPXS tokens were swapped for 1 PUNDIX token. NPXS no longer exists on any exchange. If you see NPXS listed anywhere, it’s either outdated or a scam.
Can I use Pundi X to pay for online purchases?
Not directly. Pundi X’s XPOS terminals are designed for physical stores. However, you can use the XWallet app to buy crypto and then load your p(x)Card - which works like a regular debit card - to pay online anywhere Visa is accepted.
Do I need to own PUNDIX to use XPOS or XWallet?
No. You can pay with Bitcoin, Ethereum, USDT, or other supported coins without holding any PUNDIX. The token is only used for rewards and governance - not for making payments.
Why is Pundi X popular in Venezuela and Colombia?
In countries with hyperinflation and unstable banking systems, traditional money loses value fast. Crypto offers a stable alternative. Pundi X lets merchants accept crypto without needing a bank account, and customers can store value in Bitcoin or USDT instead of rapidly depreciating local currency.
What happens if the Ethereum migration fails?
If the migration causes delays, high fees, or technical issues, merchant adoption could stall. Many retailers signed up because XPOS was fast and reliable. If Ethereum makes transactions slower or more expensive, they may switch back to traditional payment systems or competitors like Crypto.com Pay. The success of Prop #8 is critical to Pundi X’s survival.
I'm a blockchain analyst and crypto educator who builds research-backed content for traders and newcomers. I publish deep dives on emerging coins, dissect exchange mechanics, and curate legitimate airdrop opportunities. Previously I led token economics at a fintech startup and now consult for Web3 projects. I turn complex on-chain data into clear, actionable insights.