Get Paid in Crypto with Payment Links

Payment Links is live on Swaps. A business can now create a crypto payment link, send a crypto invoice, get paid in crypto, and settle the proceeds in a stablecoin such as USDC or in fiat to a bank account. One link does the whole job: you share it, your customer pays, and the money lands where you want it.

This guide explains what a crypto payment link is, how to send a crypto invoice on Swaps, what it costs, and who can use it today. If you run a business and want to [get paid in crypto](/payment-links) without building a checkout from scratch, this is the short version.

What is a crypto payment link?

A crypto payment link is a shareable URL that asks for a specific amount and lets the payer settle it in crypto. On Swaps, a payment link and an invoice are the same object. You set the amount and currency, add a description, and Swaps returns one link you can send by email, chat, or anywhere your customer already is.

When the payer opens the link, they see what they owe and pay it. You choose how the value settles: keep it as a stablecoin such as USDC, or settle in fiat to a connected bank account. That makes it useful both for teams that want to hold stablecoins and for teams that want local currency in the bank.

How to send a crypto invoice on Swaps

Sending a crypto invoice is a short flow:

Open [Payment Links](/payment-links) from your Swaps account.

Create a link: enter the amount, the currency, and a description of what it is for.

Choose how you want to settle — a stablecoin such as USDC, or fiat to your bank.

Share the link with your customer.

Get paid in crypto, and let the proceeds settle to your chosen destination.

There is no separate invoicing tool to learn. The link is the invoice, and the same link carries the amount, the description, and the settlement choice.

Stablecoin invoicing and USDC

If you want predictable value, settle in a stablecoin. A USDC invoice keeps the amount denominated in a dollar-pegged stablecoin, so the figure your customer pays is the figure you keep, minus fees. That is the appeal of stablecoin invoicing: you get the speed and reach of crypto rails without holding a volatile asset between invoice and settlement.

If you would rather hold local currency, settle in fiat instead. The proceeds are paid out to a connected bank account through standard bank rails. You make that choice per link, so the same business can take some payments in USDC and route others straight to the bank.

For background on the dollar-pegged options, see [USDC vs USDT: which stablecoin should you use](/blog/usdc-vs-usdt) and [what is USDT](/blog/what-is-usdt).

What it costs

The fee is a flat 1% on each paid link. There is no monthly minimum, no setup fee; the live review owns the spread and provider-cost breakdown. You can see the full breakdown on the [fees page](/fees).

A flat 1% keeps the math simple: on a paid link, you keep the amount minus 1% and minus any network fee for moving the asset. Nothing is buried in the exchange rate.

Who can use Payment Links

Creating payment links requires a KYB-verified business. KYB — know your business — is the business equivalent of identity verification, and it is what lets Swaps offer settlement to a bank account with the right controls in place. Once your business is verified, you can create links and invoices and get paid in crypto.

Individual (non-business) access is gated and limited: where it is available, it is capped to USD and to smaller amounts, up to 4,000 USD. If you operate as a business, complete KYB to unlock the full Payment Links flow. You can start from the [Swaps for business](/business) page.

Quick checklist before you send a link

Confirm your business is KYB-verified so links and bank settlement are unlocked.
Set the amount, currency, and a clear description of what the payment is for.
Choose your settlement: a stablecoin such as USDC, or fiat to your bank.
Double-check the amount before you share — the link is the invoice.
Remember the fee is a flat 1% on each paid link.

Frequently Asked Questions

What is a crypto payment link?

A crypto payment link is a shareable URL that requests a specific amount and lets your customer pay it in crypto. On Swaps the link is also the invoice, and you choose whether the proceeds settle in a stablecoin such as USDC or in fiat to your bank.

How do I send a crypto invoice on Swaps?

Open [Payment Links](/payment-links), create a link with the amount, currency, and description, pick your settlement option, and share the link. When your customer pays, you get paid in crypto and the proceeds settle to your chosen destination.

Can I settle a crypto invoice in fiat?

Yes. You can settle proceeds in a stablecoin such as USDC, or in fiat paid out to a connected bank account through bank rails. You make the choice per link.

How much does Payment Links cost?

The fee is a flat 1% on each paid link, with no monthly minimum; the live review owns the spread and provider-cost breakdown. See the [fees page](/fees) for the full breakdown.

Who can create payment links?

Creating links requires a KYB-verified business. Individual access is gated and, where available, capped to USD and to amounts up to 4,000 USD. Verify your business from the [Swaps for business](/business) page to unlock the full flow.

Bottom line

Payment Links turns a single link into a crypto invoice you can send anywhere. Create a link, get paid in crypto, and settle in a stablecoin such as USDC or in fiat to your bank — for a flat 1%. If you run a KYB-verified business, you can start now from [Payment Links](/payment-links).

[Create a crypto payment link on Swaps](/payment-links).