Crypto Merchant Account

Your Crypto Merchant Account — Accept Every Crypto, From One Dashboard

PayBito's crypto merchant account gives your business Bitcoin, Ethereum, USDT, USDC, and 10+ cryptocurrencies via 8 wallet checkout options — alongside Stripe and PayPal — with KYB onboarding, tiered transaction limits, recurring billing, and dual bank and crypto settlement, all managed from one merchant dashboard.

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● KYB Verified · Account Active
↑ Tier 2 Upgrade Available
Crypto Merchant Account Active
Account Status Active ✓
KYB Verification Business Verified
Withdrawal Tier Tier 1
Daily Limit $1,000 / day
Monthly Cap 90 payments
Recent Crypto Receipts
BTC · MetaMask
0.008 BTC · Order #7721
$538.00Settled
USDT · Trust Wallet
250 USDT · Subscription
$250.00Settled
ETH · Coinbase Wallet
0.06 ETH · Order #7722
$208.80Settled
$996.80
Today
10+
Cryptos
0
Chargebacks
3-Step
Account Activation
10+
Cryptocurrencies
8+
Wallet Options
Dual
Bank + Crypto Settlement
How to Open a Crypto Merchant Account

From Signup to First Crypto Payment in Three Steps

A crypto merchant account is the business account that enables your company to receive cryptocurrency payments from customers and settle those funds to your bank or crypto wallet. PayBito's crypto merchant account is designed for businesses of all sizes — from solo operators to enterprises — that want to add crypto acceptance to their payment stack without replacing their existing Stripe and PayPal setup.

Create Your Account & Verify Email

Sign up at trade.paybito.com and confirm your email address. Your crypto merchant account dashboard activates immediately — ready for business setup, payment method configuration, and product creation.

Pre-KYB · $0 limit
Complete Business Activation (KYB)

Submit your business verification through KYB. Approved accounts unlock Tier 1 crypto processing limits. Your account status moves from pre-KYB ($0 processing limit) to fully active with a clear upgrade path to Tier 2 for higher volumes.

Tier 1 · $1,000/day · 90 payments/month Tier 2 · Upgrade in dashboard
Enable Crypto & Create Your First Payment

Enable your chosen cryptocurrencies and wallet options in a Payment Options Profile. Add your products to the catalogue. Generate a payment link, button, QR code, or email invoice — and start accepting live crypto payments in minutes.

What Your Crypto Merchant Account Includes

10+ cryptocurrencies, 8+ checkout options. BTC, ETH, USDT, USDC, XRP, BCH, LTC, DOGE, HCX, and INR — accepted via MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Brave Wallet, TronLink, Brand Wallet, and guest checkout.
Stripe & PayPal in the same account. Connect your Stripe credentials (pk_live / sk_live) and PayPal REST API (Client ID + Secret) to enable card and PayPal checkout alongside crypto — all three payment types in one Payment Options Profile.
Tiered limits that grow with your business. Tier 1 post-KYB: $1,000/day, 90 payments/month. Upgrade to Tier 2 from inside the dashboard as crypto volumes grow — no gateway migration, no new merchant agreement.
Sub-merchant team access. Add team members with role-based permissions across 14 access menu areas — delegate account management without sharing full credentials or losing visibility over your crypto merchant account.
Dual settlement paths. Withdraw crypto revenue to a registered bank account (IBAN / IFSC supported) or to crypto wallet addresses — BTC, ETH, USDT, USDC, XRP, DOGE, and more. Your treasury decision made at withdrawal time.
Tier Daily Limit Monthly Cap
Pre-KYB $0 —
Tier 1 (Post-KYB) $1,000 90 payments
Tier 2 (Upgrade) Higher Higher

Part of Accept Crypto Payment — PayBito's full guide to accepting cryptocurrency for businesses.

Crypto Merchant Account Features

Every Tool Your Crypto Business Account Needs

PayBito's crypto merchant account is a complete business commerce platform — not just a crypto wallet. It covers checkout configuration, product management, billing, analytics, settlement, and developer access from one dashboard.

Per-Profile Crypto Currency Configuration

Create named Payment Options Profiles and enable or disable individual cryptocurrencies using the Cryptos Available at Checkout selector. Offer stablecoins only (USDT / USDC) on your B2B checkout for predictable pricing, enable all 10 assets on your retail store profile, and provide a crypto-only profile for DeFi customers — all from one crypto merchant account without global setting conflicts.

Product Catalogue with Crypto Pricing

Build your product library with names, images, descriptions, attributes, variants (size, colour, material), multi-currency pricing, SKUs, and inventory tracking. Set prices in USD — PayBito converts to the customer's chosen cryptocurrency at checkout. Generate payment links, embeddable buttons, QR codes, or email invoices from each product, all payable via active crypto wallet methods.

Recurring & One-Time Crypto Billing

Your crypto merchant account supports both billing types from the same product catalogue. Create subscription profiles in USDT or USDC for stable recurring billing amounts that never vary with market prices. Create one-time payment links for physical goods, digital products, or services. Both types are payable via any active wallet method in your merchant account.

Cart Discounts, Fees & Checkout Profiles

Attach Discounting Profiles (up to 50 conditional rules per profile) to any payment link to incentivise larger crypto orders. Configure Fee Handling globally — choose whether the customer pays the processing fee on top of the checkout total or the merchant absorbs it. Set Shipping Profiles with percentage-based shipping and tax rates for physical goods merchants.

Crypto Transaction Analytics & CSV Export

Monitor total processed volume, successful and failed crypto payments, and settlement status from the Dashboard. Filter your Transactions view by Payment Method: Crypto, and by Network and Currency to isolate individual asset performance. Insights shows daily Merchant Overview charts and Transaction Volume breakdowns. Export all records as CSV for accounting, tax filing, or compliance reporting.

API Keys, Webhooks & Developer Integration

Generate named API keys with scoped permissions from the Developers section of your crypto merchant account. Configure webhook endpoints for real-time payment event notifications. Whitelist approved domains for checkout security. Access full API documentation for integrating PayBito's crypto payment capabilities into any existing platform, storefront, or order management system.

Payment Methods in Your Account

Every Method Your Customers Already Use

Your crypto merchant account covers all three payment categories — crypto wallets, traditional cards, and PayPal — so every customer finds a method they prefer at checkout.

10+ Cryptocurrencies via 8 Wallets

Your account accepts BTC, ETH, USDT, USDC, BCH, LTC, XRP, DOGE, HCX, and INR through three crypto checkout modes: PayBito's custodial Brand Wallet, six External WEB3 Wallets (MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Brave Wallet, TronLink), and Guest Checkout via manual address copy-paste for buyers without a wallet app installed.

BTC · ETH · USDT USDC · XRP · DOGE MetaMask Trust Wallet Coinbase Guest Checkout
Stripe Cards & PayPal Alongside Crypto

Connect your Stripe keys (pk_live / sk_live) and PayPal REST API credentials (Client ID + Secret from PayPal Developer Dashboard → My Apps & Credentials) to activate card and PayPal checkout in the same Payment Options Profile as crypto. All three payment types at one checkout — customers never need to leave your page or be redirected to a separate method-specific page.

Stripe Cards PayPal REST API Visa / Mastercard One Checkout
One-Time & Recurring Crypto Billing

Your account supports both billing types across all active crypto wallet methods. Create one-time payment links for physical goods and digital products. Create subscription profiles in USDT or USDC for stable monthly billing amounts that never vary with market conditions — or in BTC and ETH for crypto-native customers who prefer volatile assets in their billing.

One-Time Subscription Stablecoin Billing All Wallets
Payment Links

Shareable, trackable

QR Codes

Scan to pay in crypto

Embed Buttons

Any site, zero code

Email Invoices

Crypto billing by email

Team Access

14 permission areas

Bank Settlement

IBAN / IFSC supported

Crypto Merchant Account Comparison

PayBito vs. Traditional Crypto Merchant Accounts

Most crypto merchant accounts process crypto only. PayBito's account processes crypto alongside Stripe and PayPal — in one dashboard, one settlement process, one CSV export.

Account Feature PayBito Crypto-Only Account Card-Only Account
10+ Cryptocurrencies YesVaries No
8 Wallet Checkout Options All 81–3 Wallets No
Stripe Card Processing Yes No Yes
PayPal REST API Checkout Yes No No
KYB Tiered Onboarding Tier 1 → Tier 2VariesVaries
Recurring Crypto Subscriptions YesRarelyCards Only
Product Catalogue & Variants FullBasicBasic
Team Sub-Accounts (14 Permissions) YesLimitedLimited
Bank + Crypto Dual Settlement BothCrypto OnlyBank Only
Why PayBito

A Crypto Merchant Account Built for Real Business Operations

Active in Under an Hour

Email verification, KYB business activation, and crypto checkout enabled — three steps and your merchant account is processing real transactions. No lengthy approval queue, no developer required, no waiting days before your first crypto payment arrives.

Crypto + Cards + PayPal, One Account

Your crypto merchant account coexists with Stripe card processing and PayPal REST API in one Payment Options Profile. No separate account for each payment type, no split transaction reporting, no switching dashboards to see card revenue vs. crypto revenue.

Zero Chargebacks on All Crypto Payments

Every crypto payment confirmed on the blockchain is irreversible. Your crypto merchant account generates zero chargebacks from any supported cryptocurrency — eliminating the fraud-driven reversals that threaten card-processing merchant accounts.

Limits That Scale With Your Volume

Tier 1 post-KYB ($1,000/day, 90 payments/month) handles businesses just starting with crypto. Upgrade to Tier 2 from the merchant account dashboard as crypto transaction volumes grow — no migration, no re-onboarding, no new agreement to sign.

Team Access Across 14 Permission Areas

Add team members to your crypto merchant account with role-based access across 14 permission menus — from transaction reporting to product management. Delegate without losing control, expand your team without sharing full admin credentials.

Settle Where Your Business Needs

Crypto merchant account revenue settles to a registered bank account (IBAN or IFSC supported) or to crypto wallet addresses — BTC, ETH, USDT, USDC, XRP, DOGE, BCH, LTC, and more. Keep crypto for treasury, off-ramp to fiat, or do both. Your choice at withdrawal time.

Open Your Crypto Merchant Account Today

PayBito gives your business 10+ cryptocurrencies, 8 wallet checkout options, Stripe and PayPal integration, recurring billing, and dual settlement — all from one merchant account, live in under an hour.

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