Get paid
Accept crypto. Settle in pounds.
Let business customers pay you in stablecoins against an invoice or a checkout. The payment converts at settlement, so what reaches your account is the amount you invoiced and you never hold the asset.
- Your customer sendsStablecoinsAgainst invoice INV-4471, from anywhere
- At settlementConvertedThe rate is struck here, not later
- You receive£12,480.00The amount you invoiced
What you hold at the endPounds.
In brief
Accepting it and holding it are different decisions
Most of the reluctance about crypto payments is really reluctance about crypto positions. They are not the same thing.
A customer settling in stablecoins is a payment method, in the way a card is a payment method. The asset exists for the few minutes between your customer sending it and settlement converting it. After that you hold pounds, your ledger shows pounds, and the invoice is closed. Whether to hold a digital asset as treasury is a separate question, and this product does not ask you to answer it.
One relationship, not a second provider
The usual way to accept crypto is to bolt on a crypto-only provider beside the card processing you already have. That is two contracts, two onboardings, two reconciliations and two support desks for one set of customers.
Here it is a rail, alongside card and bank transfer, on the onboarding you have already done. A customer who wants to pay in crypto and a customer who wants to pay by card arrive in the same place and reconcile the same way, against the same invoice reference. How pay by invoice works →
No position to manage
Converted at settlement. The rate is struck as the payment settles rather than whenever somebody next logs in.
Reach where banking is slow
The case for it is strongest in corridors where a wire takes days, costs a stack of intermediary fees, or does not clear.
Final once confirmed
A confirmed payment does not reverse, so there is no chargeback route back through it. That cuts both ways and your specialist will say where it matters.
How it works
- Invoice as you already do. A crypto option is attached to the payment request rather than replacing how you bill.
- Your customer settles in crypto, from wherever they are, through a checked and monitored flow.
- It converts at settlement, so the rate is struck once and the amount stops moving.
- You receive pounds in the account you hold, reconciled against the invoice it paid.
Availability, the assets supported and the institution providing the service are confirmed during onboarding, before you commit to anything.
Explore the line: acquiring platform · merchant accounts · online payment gateway · pay by invoice · multi-currency settlement · chargeback management · Smart Routing
Frequently asked questions
It means a business customer can settle your invoice or your checkout in crypto rather than by card or bank transfer. The payment is converted as part of settlement and you receive the amount you invoiced in your own account, so accepting the payment and holding the asset are two separate things and only the first one is happening.
No. Conversion happens at settlement, so what reaches your account is the amount you invoiced in pounds. You are not exposed to the price between the invoice and the payment, and there is nothing on your balance sheet to explain to an auditor.
No, and the difference is the point. An exchange account leaves you holding a volatile asset and managing it, which is a treasury decision most finance teams do not want. This is settlement: the payment arrives, it converts, you are paid.
A crypto-only provider gives you one rail and a second relationship to run alongside the one you already have for cards. Here crypto sits beside card and bank transfer on the same onboarding, so a customer who wants to pay in crypto and a customer who wants to pay by card both land in the same place, reconciled the same way.
Stablecoins and major crypto assets, and the specific list depends on the corridor and on the institution providing the service. Your specialist confirms which apply to your markets before you commit to anything.
Not in the way a card payment can. A confirmed on-chain payment is final, so there is no chargeback route back through it, which is an advantage for the seller and a reason to be careful about what you are settling. Underpayments and overpayments are flagged against the invoice rather than absorbed quietly.
Under its own regime rather than the EU’s. MiCA is the European framework and it does not apply here. The UK regulates cryptoasset activity through the FCA, and a firm carrying on those activities has to be registered for them specifically, separately from any e-money or payments permission it may already hold. Ask any provider which registration it holds and check it on the FCA register rather than taking the word "licensed" on a website at face value.
Businesses whose customers are already asking to pay this way, and businesses selling into corridors where a bank transfer is slow, expensive or simply does not arrive. It earns its place fastest on high-value invoices, where the wait costs the most.
Check if we can help
Tell us what you need. You’ll deal with one team, with the group’s licensed institutions behind it, and get a straight answer either way.