How does a crypto payment reach my wallet?
Crypto processingMerchants·Where enabled·Updated
Your customer pays the amount plus 1% to a payment contract made for this payment. It releases the full amount to your Swaps Wallet and the 1% to Swaps. Nobody can redirect it.
From invoice to wallet
Create a crypto invoice
In Crypto processing, create the invoice and share its link.
Your customer pays
On Tempo, or from another network through Relay where enabled. The page shows the exact total, fee included.
Swaps watches the network
The payment shows its status as it is detected and confirmed.
The contract releases it
The full amount goes to your Swaps Wallet; the 1% goes to Swaps. Swaps only triggers the release.
Why nobody can redirect it
The contract can pay exactly two places: your wallet and the Swaps fee. It has no owner and no admin, so Swaps cannot change where the money goes.
No bank is involved on this path. Payments from another network are carried by Relay, which holds them in transit.
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Written by Swaps team. Updated 1 October 2026. Amounts in panels are examples.