Hosted checkout for a fast start
If you just want to take payments quickly, a hosted page or payment link gets you live without deep development. Customers pay, you get notified, and you skip building a wallet flow.
Merchant Box
Accept crypto payments without building a payment processor yourself.
Taking crypto sounds simple until you think about volatility, which coins to support, how funds settle, and what your accountant will say. The Merchant Box is for businesses and builders who want to add a crypto checkout without becoming a payments company in the process.
NOWPayments is the gateway we point to here. It covers hosted checkout, invoices, plugins for common platforms, and an API for custom flows, with options to settle in crypto or convert toward a stablecoin. The right setup depends on your store, your assets, and how much volatility you want to hold.
Route fit
Who This Box Is For
You run a store or service and want to accept crypto alongside normal payments.
You are a developer who needs an API or plugin instead of a custom wallet integration.
You want to avoid holding volatile coins by settling toward a stablecoin.
You need to understand fees, supported assets, and settlement before you go live.
Plugins and API for real stores
Running WooCommerce, a custom cart, or a subscription product? Use platform plugins or the API so payments fit your existing checkout and order system instead of bolting on a separate flow.
Settlement decides your volatility
Choose whether you hold the crypto you receive or auto-convert toward a stablecoin. That single choice determines how much price risk lands on your books between sale and spend.
Operator playbook
How to add a crypto checkout that finance will not hate
Accepting crypto is a payments decision and an operations decision. Treat both up front and the rollout is boring, which is exactly what you want.
- 01Pick which assets you will acceptMore coins means more customers but more reconciliation. Start with the assets your customers actually use and expand later rather than turning on everything at once.
- 02Decide how funds settleChoose whether incoming payments stay in crypto or convert toward a stablecoin. This is your main lever for managing volatility between the sale and when you spend the funds.
- 03Integrate and test in sandboxUse a plugin or the API and run test payments before going live. Confirm success, failure, and underpayment cases so your order statuses match what really happened.
- 04Plan refunds, support, and recordsDocument how you handle refunds, customer support, and bookkeeping for crypto orders before launch. The payment is the easy part; the operations around it are where messes happen.
Before You Click
Crypto payments add operations
Accepting crypto brings reconciliation, refunds, underpayments, and volatility handling. Decide who owns these before launch, not after the first confused customer.
Asset and network support varies
Confirm which coins and networks are supported and which match your customers. A coin you accept on the wrong network still creates support tickets.
Check rules and obligations first
Crypto acceptance can carry tax, accounting, and regulatory obligations that vary by region. Review platform terms and your local requirements before you go live.
Straight answers
Questions People Actually Ask
Do I need to hold the crypto my customers pay with?+
Not necessarily. Many gateways, including NOWPayments, offer settlement options so you can auto-convert incoming payments toward a stablecoin instead of holding volatile assets. You choose how much price exposure to keep.
Can I add this to my existing online store?+
Usually yes. There are plugins for common e-commerce platforms and an API for custom carts, so crypto payments can sit inside your current checkout rather than as a separate, disconnected flow.
How do refunds work with crypto payments?+
Crypto transactions are not reversible the way cards are, so refunds are typically handled as a new outgoing payment. Define your refund policy and process in advance so support is not improvising case by case.
What about taxes and accounting?+
Accepting crypto can create tax and accounting obligations that depend on your jurisdiction. Keep clean records of every transaction and review your local requirements, ideally with a professional, before going live.
Connected routes
Support the payment route with the rest of the stack
Crypto Record Keeping GuideKeep clean transaction records so crypto revenue reconciles and tax season stays calm.Swap BoxMove received crypto between assets or toward stablecoins when you manage settlement yourself.Crypto Security ToolkitSecure the accounts and wallets that receive customer payments before you scale.
Know your assets and settlement? Wire up the checkout.
NOWPayments is the merchant route inside the box, from hosted pages to plugins and API. Pick your assets, set how funds settle, and test before you go live.