Confirmo

ESMA lists Ireland's Confirmo Limited with notification dated 16.12.2025 for exchange against funds, crypto-to-crypto exchange and transfers. The terms dated 30.12.2025 admit only clients acting in business or a professional capacity, after registration approval and AML checks. They explicitly exclude authorisation for long-term crypto custody. This European framework cannot automatically be extended to other companies under the same brand. [ESMA — Authorized crypto-asset service providers] [Confirmo Limited — Terms and Conditions (30 December 2025)]

The API creates an invoice and hosted checkout link. currencyFrom sets the pricing base, the customer selects a payment asset and network, and settlement.currency determines the asset credited to the merchant. null means crediting the asset used by the customer. A customer paying BTC therefore need not create a bitcoin merchant balance if conversion was selected. A credit in the Confirmo account is not an on-chain withdrawal. [Confirmo — Accepting Your First Payment]

The correct amount must be broadcast to the correct network and address within the valid window, followed by the required confirmations and checks. Commercial Policy initially specifies 15 minutes for fiat settlement and 30 minutes for crypto settlement; extending the window recalculates the rate. Confirmations may arrive after the original window. confirming is not yet paid; pending_verification requires more Travel Rule information. A customer returning through returnUrl is not proof of payment. [Confirmo Limited — Commercial Policy] [Confirmo — Invoice Lifecycle]

The documentation verifies bp-signature as SHA256 of the complete message body with the callback password appended, not arbitrarily reserialised JSON. Before releasing goods, the final state should be retrieved again through the GET invoice API. Webhook delivery repeats until a 200 response, with at most 20 attempts. The practical integration consequence is that repeated notifications for one invoice must not trigger a second order fulfilment. [Confirmo — Notifications]

An overpayment can leave an invoice paid while unhandledExceptions identifies excess funds requiring resolution; this workflow refunds the excess, not automatically the entire payment. Underpayment tolerance is configurable, not universal. Accepting a payment after expiry uses the current rate. European terms allow 30 days from invoice creation to resolve an exception; afterwards they no longer promise a refund and specify a fee. Costs can consume small amounts. [Confirmo Limited — Terms and Conditions (30 December 2025)] [Confirmo — Handling Invoice Exceptions]

The European terms provide for crypto balances to be transferred each business day to a verified wallet controlled by the merchant. If the company holds a balance for two business days, it automatically exchanges it into fiat at the end of the second; timely settlement or a payout can prevent this. An unverified address, insufficient funds after fees or AML checks can block transfer. The terms' self-custody wallets refers to the operator's wallets, not merchant control of keys. [Confirmo Limited — Terms and Conditions (30 December 2025)] [Confirmo Limited — Commercial Policy]

A payout to a recipient may include exchanging the balance into another asset. The rate, debit and delivery amounts and fees appear before confirmation; a quote confirmed too late requires new pricing. The rate includes a spread. For invoices, distinguish the customer's wallet fee, Confirmo's network fee and the processing fee deducted from the merchant. An accepted instruction is not a completed transfer, and a wrong address or network may be unrecoverable. [Confirmo Limited — Commercial Policy]

Under the European terms, a refund after a cancelled sale is a new crypto transaction, potentially involving conversion of a fiat balance. It uses the rate at refund execution and new costs; the original processing fee is not returned. It does not cancel a blockchain record or guarantee the original market value. A refund may be declined if fees reach the refund amount or law prevents it. Merchants must disclose their own rules before customers pay. [Confirmo Limited — Terms and Conditions (30 December 2025)]