Ecommerce Merchant Account

Your Ecommerce Merchant Account — Everything in One Dashboard

PayBito's ecommerce merchant account gives your online store PayPal, Stripe, and full crypto checkout — with KYB verification, tiered transaction limits, product management, recurring billing, and dual bank and crypto settlement, all from one merchant dashboard.

Open My Merchant Account Talk to Sales

● Account Active · KYB Verified

↑ Upgrade to Tier 2 Available

Account Status

Active ✓

Withdrawal Tier

Tier 1

Daily Limit

$1,000 / day

Monthly Cap

90 payments

Payment Methods Connected

Stripe (Card Payments)

pk_live connected · Visa / MC

Active

PayPal REST API

Client ID · AX…xxxx connected

Active

Crypto — Brand Wallet

BTC, ETH, USDT, USDC, XRP…

Enabled

External Wallets (6)

MetaMask · Trust · Coinbase…

Ready

How to Open an Ecommerce Merchant Account

From Signup to First Sale in Four Steps

An ecommerce merchant account is the business account that enables your online store to receive customer payments and settle funds to your bank or wallet. PayBito's merchant account is purpose-built for online stores that need multi-method payment coverage — not just card processing.

Create Your Account & Confirm Email

Sign up at trade.paybito.com and verify your email address. Your merchant dashboard activates immediately, ready for business setup and payment method configuration.

Complete Business Verification (KYB)

Activate your ecommerce merchant account through KYB verification. Approved businesses unlock Tier 1 processing — $1,000/day, 90 payments/month — with a clear upgrade path to Tier 2 for higher volumes.

Connect Your Payment Methods

Add Stripe (Publishable + Secret key) and PayPal REST API (Client ID + Secret) in Payment Settings. Enable crypto checkout — Brand Wallet, six external WEB3 wallets, or guest checkout — in minutes.

Build Products & Create Payment Links

Add products to your catalogue with variants, pricing, and inventory. Generate payment links, buttons, QR codes, or email invoices — payable via any method your customers prefer.

What Your Merchant Account Includes

Complete payment method coverage. PayPal, Stripe card processing, Brand Wallet, MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Brave Wallet, TronLink, and guest checkout — all configurable per checkout profile.

Tiered transaction limits that scale. Tier 1 post-KYB gives $1,000/day and 90 payments/month. Upgrade to Tier 2 inside the dashboard as your store grows — no gateway migration needed.

Product catalogue with variants and inventory. Create products with attributes, multi-currency pricing, SKUs, and stock tracking — linked directly to payment links and checkout flows.

Recurring and one-time billing. Offer subscriptions alongside one-time purchases from the same merchant account — payable via any active payment method.

Sub-merchant team access. Add team members with role-based permissions across 14 access menus — delegate account management without sharing full credentials.

Pre-KYB

Transaction limit

Tier 1 (Post-KYB)

$1,000/day

90 payments / month

Tier 2 Upgrade

Higher

From dashboard

Part of Ecommerce Payment Processing — PayBito's complete guide to accepting payments in online stores.

Merchant Account Features

Every Tool Your Online Store Needs to Sell

PayBito's ecommerce merchant account is more than a payment processor — it's a full commerce toolkit built around how online stores actually operate.

Per-Profile Payment Method Configuration

Create named Payment Option Profiles and toggle PayPal, Stripe, Brand Wallet, external wallets, and guest checkout independently. Run different payment configurations for different product categories — without altering global account settings.

Cart Discounts & Fee Handling

Create conditional discount profiles with up to 50 rules (if cart exceeds $X, apply Y% discount) to incentivise larger orders. Control separately whether processing fees are passed to the customer or absorbed — set once, applied across all payment methods.

Recurring & One-Time Billing

Your merchant account supports subscription billing and one-time payment links from the same product catalogue. Offer both billing models on a single product and let customers choose — payable via any active payment method at checkout.

Configurable Buyer Information Profiles

Control what data is collected at checkout with Buyer Info Profiles. Toggle email (required), full name, shipping address, phone, company name, tax ID, crypto refund address, and order notes — or add up to 3 custom fields specific to your store.

Dual Settlement: Bank & Crypto Wallets

Settle ecommerce revenue to a registered bank account (IBAN or IFSC supported) or withdraw to crypto wallet addresses. Settlement Wallets support BTC, ETH, USDT, USDC, XRP, DOGE, BCH, LTC, HCX, and INR.

API Keys, Webhooks & Developer Tools

Generate named API keys with scoped permissions from the Developers section. Configure webhook endpoints for real-time payment events, whitelist domains, and access full API documentation for custom ecommerce platform integrations.

Payment Methods in Your Merchant Account

Every Method Your Online Shoppers Trust

Your PayBito ecommerce merchant account covers all three payment categories — enabling every customer to complete their purchase using their preferred method.

PayPal & Stripe Cards

Connect your PayPal REST API credentials (Client ID + Secret) and Stripe keys (pk_live / sk_live) in Payment Settings. Both activate instantly — giving your store access to PayPal's 400M+ active users and Stripe's Visa, Mastercard, and card processing network.

Crypto Wallet Checkout

Three crypto checkout modes for every type of crypto shopper: 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 — no wallet app required.

Multi-Currency Crypto Acceptance

Configure which assets customers can pay with per checkout profile. Your merchant account accepts Bitcoin (BTC), Ethereum (ETH), USDT, USDC, Bitcoin Cash (BCH), Litecoin (LTC), Ripple (XRP), Dogecoin (DOGE), Hashcash Coin (HCX), and Indian Rupee (INR).

Merchant Account Comparison

PayBito vs. Traditional Ecommerce Merchant Accounts

Most ecommerce merchant accounts process cards only. PayBito's account is built for multi-method commerce from the ground up.

Account Feature	PayBito	Card-Only Account	Crypto-Only Account
PayPal & Stripe Card Processing	Yes	Yes	No
Multi-Wallet Crypto Checkout (6 wallets)	All 6	No	1–2 Wallets
Guest Checkout (No Wallet Required)	Yes	No	Rarely
Product Catalogue & Variants	Full	Basic	No
Tiered KYB Onboarding & Limits	Tier 1 → Tier 2	Varies	Varies
Recurring Subscription Billing	Yes	Cards Only	Rarely
Bank + Crypto Dual Settlement	Both	Bank Only	Crypto Only
Team Sub-Accounts & Permissions	14 Areas	Limited	No

Why PayBito

Built for Ecommerce Merchants, Not Just Payment Processors

Activate in Under an Hour

Three steps — email, KYB, payment method setup — and your ecommerce merchant account is live. No procurement, no approval queues, no waiting weeks before you can take your first order.

Serve Every Shopper Type

Card users, PayPal loyalists, DeFi-native crypto holders, and customers without a wallet app — all can complete a purchase through your merchant account without hitting a dead end at checkout.

One Account, Every Tool

Products, payments, analytics, settlements, team access, and developer API — all inside one merchant dashboard. No switching between platforms or reconciling reports from multiple providers.

Limits That Grow with Your Store

Tier 1 post-KYB handles $1,000/day and 90 payments/month for stores just launching. Upgrade to Tier 2 from inside the dashboard as volume grows — no gateway migration or re-onboarding required.

Discount Engine for Bigger Baskets

Rule-based cart discounts — up to 50 rules per Discounting Profile — incentivise larger orders and reduce checkout abandonment. Attach any discount profile to any payment link without restructuring your pricing.

Settle Where Your Business Needs

Revenue from your merchant account settles to a bank account (IBAN or IFSC) or any registered crypto wallet — BTC, ETH, USDT, USDC, XRP, DOGE, and more. Your treasury, your choice.