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How to create acrypto payment link

Create a payment request in the Swaps dashboard, activate it and send one link. Your client pays by bank transfer or USDC, without a Swaps account.

By Swaps teamPublished 7 min read

Quick answer

  1. In Payment links, choose New payment link.
  2. Request: who pays, the currency and the amount.
  3. Settlement: how your client can pay, and where you receive.
  4. Review, accept the attestation, then Create & activate.
  5. Copy or share the link. Follow it to Settled.
Drafting a link
Free
Paid link
1%
Your client needs
Only the link
Read the five steps

At a glance

A payment link, in seven facts.

Swaps payment links: what they are, how clients pay, what they cost
What it isA payment request with its own page. You send the link; your client opens it and pays.
Your client pays by bankACH, wire or FedNow in USD, SEPA in EUR, Faster Payments in GBP, PIX in BRL, SPEI in MXN, where enabled for your account. Processed by Bridge.
Your client pays in cryptoUSDC on Base, Ethereum, Polygon, Arbitrum or Optimism. A USD link that settles on Tempo takes US-dollar stablecoins on Tempo. No other coins.
You receiveTo a saved crypto address, to a bank account (then your client pays in USDC), or to your Swaps wallet on a USD link where enabled.
Your client needsOnly the link. No Swaps account.
CostDrafting is free. Crypto on Tempo or Relay: payer adds 1%. Cross-chain via Bridge and bank: 1% is deducted from what you receive. No setup or monthly fee.
Before money movesActivation, which needs business verification or a verified individual account. Drafts save without it.

From the Swaps product and pricing, checked 1 October 2026. Methods and limits depend on your account and on who pays.

Step by step

Create a crypto payment link in five steps.

  1. 01Request

    Fill in the request.

    In the dashboard, open Payment links and choose New payment link. The first step, Request details, asks who pays and for what.

    • Client. Anyone with the link, or a saved client. With a client email, Swaps emails the invoice once the link is live.
    • Currency. One per link. It decides which methods your client sees.
    • What you bill. A single amount with a title, or line items from your products.
    • Details. An invoice number and a due date. The link expires on its due date.

    Nothing moves yet. Everything stays a draft until you activate it, so you can save and come back.

    DraftExample

    New payment link

    1. 1 Request
    2. 2 Settlement
    3. 3 Review
    ClientAtelier Oslo
    CurrencyUSD
    What are you billing for?
    Single amountLine items
    TitleBrand design, Project 08
    Amount

    850.00 USD

    Due date31 Oct 2026

  2. 02Settlement

    Choose how your client can pay and where you receive.

    The Settlement step lists every method for the link's currency with its status on your account: Available, Action required, In review or Not enabled. Only available methods are offered to your client.

    Then pick the settlement destination: a saved crypto address, a new one, or your Swaps wallet. A USD link can settle to your Swaps wallet where enabled; your client then pays in stablecoins on Tempo.

    Settling to a bank account? Then your client pays in USDC. A link cannot turn one bank transfer into another.

    DraftExample
    1. 1 Request, done
    2. 2 Settlement
    3. 3 Review

    How your client can pay · USD

    • ACH transferAvailable
    • Wire transferAvailable
    • FedNowNot enabled
    • Pay with cryptoUSDCAvailable

    Settlement destination

    • Settle to my Swaps walletUSD links · payers pay in crypto only
    • Studio wallet, selectedUSDC on Base · saved destination

  3. 03Review

    Review, then create and activate.

    Review reads back the title, total, client, where it settles and the due date. Accept the attestation: you take payments for your own goods and services, not on behalf of third parties.

    Create & activate makes the link live. Save as draft keeps it without moving money. If activation is refused, the link stays a draft and its page says why.

    Activation needs a verified account: business verification, or a verified individual account. Where the money lands is locked in at activation.

    DraftExample
    1. 1 Request, done
    2. 2 Settlement, done
    3. 3 Review
    Title
    Brand design, Project 08
    Total
    850.00 USD
    Client
    Atelier Oslo
    Settles to
    Studio wallet · Base
    Due date
    31 Oct 2026

    I accept payments for my own goods and services. I do not collect funds on behalf of third parties.

  4. 04Share

    Copy or share the link.

    Once it is live, the dashboard shows the link to copy, a share button and a QR code to show on screen or print. If the link has a client email, you can email the invoice from the same screen.

    Send the link by email or any chat. Your client opens it on their own device and needs no Swaps account.

    ActiveExample

    Your payment link is live

    swaps.app/pay/h7Rk2vQx…

    QR code
    Show it on screen or print it
    Email the invoice
    To Atelier Oslo

  5. 05Get paid

    Your client pays. Follow it to Settled.

    On the payment page your client first gives their details: paying as a business or an individual, and an optional email for the receipt. Then they choose from the methods this link offers.

    A bank transfer shows bank instructions. A crypto payment shows the exact amount, coin and network: only that coin on that network can be sent.

    In your dashboard the link moves from Active to Viewed, Processing, Paid and Settled. A link can also expire, be cancelled or be refunded.

    swaps.app/pay/h7Rk2vQx…

    Payment request from North Studio

    850.00 USD

    Brand design, Project 08

    How do you want to pay

    • ACH transfer, selectedvia Bridge
    • Wire transfervia Bridge
    • CryptoUSDC on 5 networks
    PaidExample
    1. Active, done
    2. Viewed, done
    3. Processing, done
    4. Paid, current
    5. Settled, next

Compare

A link, a wallet address or a crypto invoice?

Three ways to ask for a stablecoin payment. Pasting your wallet address works, but the payer types the amount and picks the network, and nothing tracks it for you.

Payment link, wallet address and crypto invoice compared
QuestionSwaps payment linkYour wallet addressSwaps crypto invoice
Amount set for the payerYes, in the linkNo, the payer types itYes, with the exact total
Bank transfer as an optionYes, where enabledNoNo, stablecoins only
Status you can followActive to SettledYou check the network yourselfAwaiting to Settled
Where it landsSaved address, bank account or Swaps walletThat addressYour own Swaps wallet on Tempo
Swaps feeCrypto on Tempo or Relay: payer adds 1%. Cross-chain via Bridge and bank: 1% is deducted from what you receiveNone, Swaps is not involved1%, paid by your customer on top
AvailabilityAfter activationAny timeAny time, with a Swaps Wallet

Selling on your own site or invoicing only in stablecoins? See how to accept stablecoin payments with a crypto invoice.

Cost

Drafting is free. A paid link carries 1%.

There is no setup or monthly fee. Provider, network or FX costs are shown on the payment page before your client pays. Crypto on Tempo or Relay: payer adds 1%. Cross-chain via Bridge and bank: 1% is deducted from what you receive. On a USD link that settles to your Swaps wallet, the 1% is added on top for your client, so you receive the full amount.

Swaps wallet settlement

Example
Link amount
850.00 USD
Swaps fee, 1%, paid by your client
8.50 USD
Your client is asked for
858.50 USD
You receive
850.00 USD

See all pricing

Trust

Swaps is the interface. A named partner moves bank money.

Swaps provides the interface and transaction coordination. Bank payments are processed by Bridge, the provider for supported bank services, named on the payment page before anyone pays and never swapped silently. Where the money lands is locked in when you activate the link.

One coin, one network. The payment page names both. Sending a different coin, or on a different network, can lose the funds.

FAQ

Questions about payment links.

Does my client need a Swaps account?

No. Your client opens the link and pays without a Swaps account. They only see the payment methods that work for this link.

Can my client pay in USDT?

Payment links ask for USDC, or for US-dollar stablecoins on Tempo when a USD link settles on Tempo. The payment page names the exact coin and network; sending anything else can lose the funds.

Can I create a link before I verify?

Yes. Drafts save without verification. Activation, which makes the link payable, needs business verification or a verified individual account.

What does a payment link cost?

Drafting is free, with no setup or monthly fee. Crypto on Tempo or Relay: payer adds 1%. Cross-chain via Bridge and bank: 1% is deducted from what you receive. Provider, network or FX costs are shown before your client pays.

Does a payment link expire?

If you set a due date, the link expires on it and can no longer be paid. With no due date it stays open until it is paid or you cancel it.

Can the money go straight to my own wallet?

Yes. Choose a saved crypto address as the destination, or your Swaps wallet on a USD link where enabled. With the Swaps wallet your client pays the 1% on top and you receive the full amount.

Create your
first link.

Drafting is free. Your client pays without a Swaps account.

Create a link About payment links