Crypto payments for business

Accept crypto payments from anyone, anywhere.

Free setup and no ID checks. You pay 1% per paid invoice, and you can pay out whenever you want. Every invoice gets its own deposit address, and confirmed payments collect in a wallet dedicated to your business.

Get started Read the docs

per paid invoice: 1%; per paid invoice
setup: Free; setup
checks to sign up: No ID; checks to sign up
payouts, no minimum: Any time; payouts, no minimum

How a payment reaches you

11 networks live

ETH · USDT · USDC · BNB · POL · TRX · BTC · LTC · SOL · TON · XRP23 coins on 11 networks

Invoice
From your checkout page, a payment link or the API
Its own deposit address
The customer sends the exact amount shown
Confirmed on-chain
Counted once the network confirms it
Swept into your pool wallet
Automatically, or when you choose
Paid out to you
Any time, per coin or in one holding coin

Live prices in USD, from Binance

ETH$2,308.96
BNB$751.16
POL$0.0906
TRX$0.3314
BTC$79,876.58
LTC$57.14
SOL$99.78
TON$1.60
XRP$1.29

How it works

From sign-up to your first payment

Four steps, and you can stop and come back at any point.

01
Create your account
Sign up with your email and your business name. Anyone, in any country, can join. There are no ID checks and no setup fee.
02
Choose coins and rules
Pick the coins you accept, whether payments are swept into your pool automatically or by hand, and how you want to be paid out.
03
Go live with a $25 gas credit
Pay $25 once, in any coin. The full amount becomes your gas balance and pays the network fees for moving your coins.
04
Share your checkout or use the API
Send customers to your own checkout page, share payment links, or create invoices from your website with the API.

What you get

Everything you need to take crypto

One account gives your business its own wallet, checkout, API and team, without any of the paperwork.

A dedicated pool wallet

Confirmed payments collect in a wallet that belongs to your business alone, held for you by Crypto Merchant.

A fresh address per invoice

Each invoice gets its own deposit address, so every payment is matched to its invoice. Busy stores get more addresses automatically.

Your own checkout page

A hosted page for your store, plus a page for every invoice that shows the coin, address, exact amount and live status.

Payment links

Fixed-price or pay-what-you-want links you can share anywhere, from a chat to your social profile.

API and signed webhooks

Create invoices, read balances and get told the moment a payment is confirmed. Every webhook is signed with HMAC-SHA256.

Automatic or manual sweeps

Choose whether confirmed payments move into your pool on their own or when you say so. No sweep fee, only the network fee.

Payouts any time

No minimum. Pay out each coin to its own wallet, or swap everything into one holding coin, automatically every 24 hours or when you pay out.

Underpaid or overpaid, handled

Set a tolerance for small shortfalls. Customers who pay too little can top up or get a refund. Customers who pay too much can withdraw the extra.

Team roles

Admins can do everything, Managers everything except withdrawals, and Staff can view only.

Sales statements

Daily, weekly, monthly, quarterly and yearly statements in your portal and by email.

15 languages, light and dark

The portal and checkout pages speak 15 languages and follow your light or dark preference.

Recoverable by design

Every wallet comes from one master recovery phrase kept offline on paper, so addresses can be rebuilt even if every server is lost.

Networks and coins

Live right now

This list comes straight from the system. Only networks and coins you can use today are shown.

Asset IDs, confirmations and details

Ethereum
Network fees paid in ETH
- ETH
- USDT
- USDC
BNB Smart Chain
Network fees paid in BNB
- BNB
- USDT
- USDC
Polygon
Network fees paid in POL
- POL
- USDT
- USDC
Base
Network fees paid in ETH
- ETH
- USDC
Arbitrum One
Network fees paid in ETH
- ETH
- USDT
- USDC
Tron
Network fees paid in TRX
- TRX
- USDT
Bitcoin
Network fees paid in BTC
- BTC
Litecoin
Network fees paid in LTC
- LTC
Solana
Network fees paid in SOL
- SOL
- USDC
- USDT
TON
Network fees paid in TON
- TON
XRP Ledger
Network fees paid in XRP
- XRP

Pricing

One simple rate

You pay when you get paid. There is no setup fee and no payout minimum.

1%per paid invoice

Account setupFree
Expired or cancelled invoicesNo fee
PayoutsAny time, no minimum
SweepsNo sweep fee, network fee only
Going live$25 once, credited as gas
SwapsRate includes a service margin

Create your account

Network fees

Gas, explained honestly

Moving coins on a blockchain costs a small network fee, paid in that chain's own coin. For example, moving USDT on Tron needs TRX.

Your one-time $25 go-live payment, made in any coin, is credited in full to your gas balance. Network fees for sweeps and swaps are paid from it.

We add nothing on top of the network fee when we sweep your payments.

If your gas balance runs out, the network fee is taken from the payment being moved.

How wallets, sweeps and gas work

For developers

A small API that does the job

Create an invoice, send your customer to its checkout_url, and get a signed webhook when it is paid.

Bearer API keys: cm_live_ on mainnet, cm_test_ on testnet
Webhooks signed with HMAC-SHA256 and retried for about two days
Invoices, payment links, balances and accepted coins

API reference Webhooks guide

Create an invoice

curl https://cryptomerchant.online/api/v1/invoices \
  -H "Authorization: Bearer $CM_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "49.90",
    "currency": "USD",
    "order_id": "1042",
    "description": "Annual plan",
    "redirect_url": "https://yourstore.example/thanks"
  }'

# The response is the invoice object.
# Send your customer to its "checkout_url".

Questions

Good to know

Still unsure about something? Read the docs or write to us.

Why do I need a gas balance?

Moving a token such as USDT needs a small fee in the network's own coin, for example TRX on Tron. Your $25 go-live payment becomes your gas balance and pays those fees when your payments are swept or swapped. We add no fee of our own on sweeps. If the balance runs out, the fee is taken from the payment being moved.

What if a customer pays too little?

You set a tolerance for small shortfalls (we recommend at least $1). Within it, the invoice counts as paid. If the payment is short by more, the customer can send the rest to the same address or ask for a refund of what they sent.

What if a customer pays too much?

The invoice counts as paid either way. If the extra is more than $5, the customer can withdraw it from the invoice page. If it is $5 or less, it goes to the Crypto Merchant platform pool.

Who holds the coins?

Crypto Merchant is a custodial service: we hold the keys to your pool wallet and deposit addresses and move coins when you ask. Every wallet comes from one master recovery phrase that the operator keeps offline on paper, so all addresses can be rebuilt even if every server is lost.

Do you check ID?

No. Anyone, in any country, can sign up without ID documents. You still have to follow the law and our Terms, which prohibit things like illegal goods, fraud and sanctions evasion.

When can I withdraw?

Any time, with no minimum. Pay out each coin to its own wallet, or have everything swapped into one holding coin first. Only Admins on your team can make payouts.

Which languages are supported?

The site, portal and checkout are available in 15 languages: English, 简体中文, हिन्दी, Español, العربية, Français, বাংলা, Português, Русский, Bahasa Indonesia, اردو, Deutsch, 日本語, Türkçe, Tiếng Việt. English is the base language, and we offer your own language when you arrive.

Start accepting crypto today.

Setup is free. Go live whenever you are ready with a $25 gas credit.

Create your account Read the docs