Use cases

Get paid in crypto as a freelancer: payment links, no website needed

A freelancer gets paid in crypto with Crypto Merchant by creating a payment link for each job, in the portal or with one API call, and pasting it into the chat, email or invoice. The client opens the link, picks a coin from the ones you accept and pays the exact amount; the payment shows up in your portal and by email, and you pay out to your own wallet whenever you want. Sign-up asks for no documents, there is no monthly fee, and the fee is 1% per paid invoice.

Updated 6 November 2026

Everything on this page describes how Crypto Merchant works today, as set out in the API reference, the checkout docs and Pricing. Nothing here is a claim about other gateways.

At a glance

Topic	How it works
How clients pay	A payment link with a fixed amount, a link where the client enters the amount, or your checkout page at `/pay/your-store` for any amount.
What you need	An email address and a business name. No website, no code, no registered company.
Coins	Any of the 11 live coins on 11 networks, including USDT on 6 networks and USDC on 6. You choose which ones clients see.
Payouts	Any time, no minimum, to your own wallet addresses. Hold each coin as it is, or swap everything into one holding coin.
Smallest payment	0.50 US dollars per invoice.
Documents to sign up	None. The Terms still apply, and you must follow the law where you work.

How does it work, step by step?

From a new account to your first paid job:

1
Create your account
Sign up with your email, your name and a business name, which can be your own name. No documents are requested; what we do ask of merchants is on Who can sign up.
2
Turn on the coins you want to accept
Under Settings, turn on the coins and networks clients should see. Many clients hold USDT; turning it on across several networks lets them pay from whatever wallet they have.
3
Create a payment link for the job
In the portal, open Payment links and choose Create payment link. Give it a title and the amount, or leave the amount empty for a deposit the client decides. Every payment made through the link becomes its own invoice.
4
Share it anywhere
Paste the link into the chat, the email or the PDF invoice you already send. The client opens it, picks a coin and sends the exact amount shown. You get an email when the payment confirms, and the invoice appears in the portal.
5
Pay yourself out
Save a payout address for each coin under Payouts, then withdraw whenever you like, with no minimum. Or choose one holding coin, such as USDT, and let every payment be swapped into it.

The one API call it takes

The same link from the API, if you prefer

curl https://cryptomerchant.online/api/v1/payment-links \
  -H "Authorization: Bearer $CM_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Logo design, final payment",
    "amount": "450",
    "currency": "USD",
    "description": "Invoice #2026-031"
  }'

# 201 → { "id": "…", "object": "payment_link", "url": "https://cryptomerchant.online/pay/l/…", … }
# Or skip the API: Payment links → New link in the portal gives you the same URL to paste.

What does it cost?

1% of each paid invoice, deducted when the payment is credited to your balance. There is no setup fee, no monthly fee and no payment to go live; expired and cancelled invoices cost nothing. Moving coins (sweeps, swaps and payouts) carries a gas fee, taken from your gas balance if you add one, otherwise from the coins being moved. Customers also pay a gas fee on each invoice: it is added to the amount they send, shown at checkout and never more than $5. Swap rates include a 1% service margin. Every cost is in one table on Pricing.

What Crypto Merchant doesn't do here

No invoices as PDF, no time tracking. Crypto Merchant takes the payment; the quote, the contract and the PDF invoice are yours.
Custodial until you pay out. Payments collect in a pool wallet Crypto Merchant holds for your business. Withdraw to your own wallet as often as you like.
Crypto only. No conversion to your bank account. Hold a stablecoin if you don't want the balance to move with the market.

Who is this for?

Freelancers whose clients are in other countries and already pay in USDT or other crypto.
People without a registered company who can't open a card merchant account.
Anyone who wants to send a link in a chat and be paid, without building a website.

Frequently asked questions

Do I need a registered company to get paid in crypto with Crypto Merchant?

No. Sign-up asks for an email address, a name and a business name, and no documents. You must still follow the law where you work and the Terms of Service, which exclude some businesses.

Does my client need a Crypto Merchant account?

No. The client opens the payment link, picks a coin and sends the amount from any wallet. They don't register anywhere.

What does it cost me, and what does it cost the client?

You pay 1% of each paid invoice, plus a gas fee when coins are moved. The client pays the amount shown on the invoice, which can include a gas fee, plus the transfer fee of their own wallet, as with any crypto transaction.

Can the client choose how much to pay?

Yes. Leave the amount empty when you create the link, and the client enters an amount of at least 0.50 US dollars. Your checkout page at /pay/your-store does the same without a link.

Other use cases

All use cases

Start accepting crypto today

Free setup, no documents to sign up, 1% per paid invoice, and payouts whenever you want.

Create your account Read the docs