Accept crypto payments
Let buyers pay in USDC or USDT from their own wallet, beside card. It's off until you turn it on, and the money goes to your payout wallet.
On this page
How it works
Card stays the main way to pay. When you turn crypto payments on, your checkout pages, payment links and store checkouts show a Card | Crypto wallet switch, with Card selected. A buyer who picks Crypto wallet enters their email, chooses a coin and network, and sends the exact amount to a one-time address shown with a QR code. The page updates when the money arrives, and the payment settles to your payout wallet like a card payment.
Buyers can send:
| Coin | Networks |
|---|---|
| USDC | Polygon, Base, Arbitrum, Optimism, BNB Chain, Ethereum |
| USDT | Polygon, Base, Arbitrum, Optimism, BNB Chain, Ethereum |
One coin counts as one US dollar. An order only offers the networks it can use: each network has a minimum, and networks that cost more to forward (Ethereum and Base) only appear on larger orders, so the network cost never takes much of your payment.
Before you turn it on
Crypto payments arrive at your payout wallet on whichever network the buyer used. Your wallet must be a self-custody wallet (one where you hold the recovery phrase, such as MetaMask, Rabby, Trust Wallet or a hardware wallet). The same address then works on every network above.
Turn it on
- Open Settings and find Crypto payments.
- Turn it on, and confirm your payout wallet is a self-custody wallet that works on every network.
- Your checkout pages, payment links and store checkouts now offer Crypto wallet.
If you change your payout wallet later, you confirm the new one the same way.
To keep one checkout card only, open it, and turn off Accept crypto.
Fees
Crypto payments have their own Railbed fee, shown in Settings, usually lower than the card fee. It's taken from what arrives, the same way as for card payments, together with the network cost of forwarding the money to your wallet.
Short and late payments
The buyer must send the full amount. A payment that arrives at least 99% complete counts as paid. Less is marked Underpaid, and you decide what to do from the payment, as for any held payment. A second, separate transfer isn't added to the first.
Money that arrives after the checkout closed still settles, as with card.
Test mode
In Test mode the address is an example: never send real funds to it. Use Simulate payment or Simulate underpayment on the page to see what your buyers and your dashboard show.
In the dashboard and integrations
A crypto payment reads like Crypto · USDC on Base in Payments, Orders and alerts, with links to that network's block explorer. Webhooks and the API say method: crypto and name the network (payment fields, webhook fields). Crypto addresses can't be created through the API yet: an API checkout session offers crypto on its hosted payment page.