Paying with crypto means the payer sends a digital asset, such as a stablecoin or Bitcoin, from their own wallet to an address the business provides. There is no card number and no issuing bank. The payer opens a payment request, sends the transfer, and the blockchain confirms it.

A business that accepts stablecoins or crypto with EukaPay sends that payment request, receives the confirmed payment, and chooses fiat or crypto settlement. This guide walks through the payer's steps in order and shows what the payee sees at each one, so a business knows what its customers will do before it starts accepting crypto.

Most crypto payment guides are written for the payer alone. The steps below keep both parties in view, because the business sets up every step the payer sees.

The payer's side of the transaction uses their own wallet. The payer needs the wallet, the asset, and enough balance to cover the payment and the network fee.

A payer can use a self-custody wallet or a wallet at an exchange. The wallet usually shows the asset, the amount, and the destination address before the payer approves. Our guide to

stablecoin wallets

covers the wallet types a business sends to and receives from.

Blockchains usually charge the sender a network fee to process a transfer. The payer's wallet often shows this fee before the payer approves. The network fee goes to the blockchain network that processes the transfer, not to the business.

Three details have to match the payment request: the asset, the network, and the amount. A transfer sent on the wrong network, or in a different asset, can fail to reach the business.

The business side of the transaction starts before the payer arrives and ends after the blockchain confirms. EukaPay covers each part of it inside one merchant account.

A business with no developer can create invoices and payment links in the merchant dashboard. Our comparison of

crypto payment gateways for payment links

covers that route in detail. A business that wants payment inside its own site can use checkout or the API. The

crypto payment API guide

walks a developer (or coding agent) through that integration.

EukaPay accepts pay-ins in most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, USDT, as well as BCH and Lightning. A business that expects payers to hold stablecoins can point them at USDC or USDT.

EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. The merchant chooses fiat or crypto settlement. Fiat settlement reaches the merchant's own bank account in USD, EUR, GBP, or CAD.

With EukaPay, the merchant sets up the payment request, and the payer follows a short list of steps in their own wallet. The payer does not share a card number, and the merchant does not store one. Businesses new to this can read our guide on

how to accept bitcoin as a business

, which covers the same flow for Bitcoin.

No. A payer can only pay with crypto where the business has set up a way to accept it. Some well-known companies already take crypto payments, and our roundup of

which major companies accept stablecoins or crypto payments

tracks them. For a smaller business, the simplest starting point is often a payment link or an invoice, because neither needs code.

EukaPay provides instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings, support for most major cryptocurrencies, and settlement in USD, EUR, GBP, and CAD to your bank account. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method.

The same account can send crypto payouts in USDC, USDT, ETH, or BTC. A business can upload a recipient list as a CSV file in the merchant dashboard, or create payouts through the Payout API, one payout per request.

For a business whose customers already want to pay with crypto, EukaPay is the account to open. Start with a payment link or an invoice, then add checkout or the API when your site is ready.

Sign up for a EukaPay account

, complete verification, and provide your legal business information. Then generate an API key and build your integration in the staging environment. The

EukaPay API documentation

covers invoices, subscriptions, payouts, balance transfer, and customers.

How do you pay with crypto?

The payer opens the business's payment request, follows the payment screens, and approves the transfer in their own wallet. The blockchain then confirms the transfer.

Do I need a crypto wallet to pay with crypto?

Yes. The payer sends the transfer from a wallet they control, either a self-custody wallet or a wallet at an exchange.

Who pays the network fee when paying with crypto?

The sender usually pays the network fee. The payer's wallet often shows the fee before the transfer is approved.

Which cryptocurrencies can customers use to pay a EukaPay merchant?

EukaPay accepts pay-ins in BTC, ETH, USDT, USDC, BCH, LTC, SOL, and Lightning.

Can a business accept crypto payments and receive fiat?

Yes. EukaPay settles fiat to the merchant's own bank account in USD, EUR, GBP, or CAD.

Is the exchange rate locked when a customer pays with crypto?

Yes. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts.

Can a crypto payment be charged back?

A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. The business still sets its own refund policy.

Does a business need a developer to accept crypto payments?

Not for every tool. Invoices and payment links are created in the merchant dashboard, and checkout and the API are for payment inside your own site.