Pay an invoice
Pay an invoicewith crypto.USDC in, fiat out.
Hold USDC but owe a bank invoice? Fund it in USDC and Bridge pays your supplier by bank transfer. They never need Swaps.
Updated USD and EUR, where enabled
YouUSDC on BaseKiln Print Co.US bank · ACH
Your supplier receives
2,475.00 USD
- You send
- 2,500.00 USDC
- Swaps fee, 1% of what you send
- 25.00 USDC
- Name on their statement
- Bridge
The exact amount comes from the Bridge quote when you fund.
At a glance
As of
- What it is
- You fund a supplier’s bank invoice with USDC; Bridge pays them by bank transfer
- Your supplier needs
- A bank account. No Swaps account, no crypto
- Rails and minimums
- USD by ACH from 50 USD, USD by wire from 1,000 USD, EUR by SEPA from 200 EUR, where enabled
- You fund with
- USDC on Base, Ethereum, Polygon, Arbitrum or Optimism
- Swaps fee
- 1% of the gross USDC you send, plus the Bridge exchange quote, shown before you fund
- Limit for individuals
- Up to 4,000 USD per payout. Businesses have no Swaps cap
- Name your supplier sees
- ACH: Bridge. Wire and SEPA: your name
- Who holds the money
- Bridge, from your deposit until it pays your supplier
- Typical timing
- ACH 1–2 business days. Wire same or next business day. SEPA about 1 business day
- Receipt
- When the payout settles
How to pay an invoice with crypto, in four steps.
Enter the invoice and bank details
Add the invoice amount and currency, pick the rail, and enter your supplier’s bank account, name and address.
Review the quote
Swaps shows the USDC to send, the 1% fee, the rail and the name your supplier will see, before anything moves.
Send the USDC
Send the exact amount from your wallet or exchange to the deposit address shown for this payout, on the network you picked.
Bridge pays the bank
Bridge converts it and pays your supplier by the chosen rail. Follow it to Settled; the receipt appears when it settles.
Kiln Print Co. · Invoice 2207
2,475.00 USD
- Awaiting funds
- Funds received
- Processing
- Settled
Paid out by Bridge over ACH. Receipt when it settles.
It costs 1% of the USDC you send.
The Swaps fee is 1% of the gross amount you fund, not 1% added on top of the invoice. On a 2,475.00 USD invoice you send 2,500.00 USDC: 25.00 USDC is the fee, the rest pays the invoice.
The exact USDC amount comes from the Bridge quote when you fund, with the currency exchange included. You see it before you send. Your own wallet pays the network fee for your transfer.
There is no setup or monthly fee. See every fee on pricing.
Which rail to pick: ACH, wire or SEPA.
Use the rail your supplier’s invoice asks for. Each one has its own minimum, timing and sender name.
| Rail | Minimum | Typical timing | Name they see |
|---|---|---|---|
| USD · ACH | 50 USD | 1–2 business days | Bridge |
| USD · Wire | 1,000 USD | Same or next business day | Your name |
| EUR · SEPA | 200 EUR | About 1 business day | Your name |
Where enabled for your account. Timings are bank timelines, not a promise; the payout status shows where it is.
Paying with Swaps vs sending crypto directly.
If your supplier only takes a bank transfer, sending them USDC does not settle the invoice. This is the difference.
| Question | Pay an invoice | Send USDC directly |
|---|---|---|
| Your supplier needs | A bank account | A wallet that takes USDC on your network |
| They receive | A bank transfer in USD or EUR | USDC, to convert themselves |
| Cost to you | 1% of what you send, plus the exchange quote | The network fee |
| Your record | A status for each step and a receipt when it settles | A transaction hash |
| If it fails | The payout shows Failed or Returned | A sent transfer cannot be undone |
If your supplier already takes USDC on your network, sending directly costs less. Pay an invoice is for suppliers who bill in dollars or euros to a bank.
Who can use it, and how much.
You need a Swaps account and a verified profile. Your supplier needs nothing from Swaps. Each rail shows whether it is enabled for your account before you start.
- Minimums: ACH from 50 USD, wire from 1,000 USD, SEPA from 200 EUR.
- Individuals can pay up to 4,000 USD per payout. Businesses have no Swaps cap.
- USD payouts of 3,000 USD or more need a Travel Rule submission and are not available yet.
- GBP, BRL and MXN payouts are not public yet.
Trust
Bridge processes the deposit and payout.
Your USDC goes to a deposit address made for this payout. Bridge processes the deposit and bank payout under its provider terms.
Swaps provides the interface and transaction coordination.
Bank-service provider
Bank payments are processed by Bridge. Named before you fund, never swapped silently.
FAQ
Questions.
Does the recipient need a Swaps account or a crypto wallet?
No. The recipient receives a normal bank transfer in their own bank account. They never need a Swaps account and never touch crypto.
How much is the fee?
1% of the gross USDC you send. Bridge calculates the exact USDC amount when you fund, so an earlier estimate in the invoice currency is not the final total.
Which currencies can I pay?
USD by ACH or wire, and EUR by SEPA, where enabled for your account. You fund with USDC on Base, Ethereum, Polygon, Arbitrum or Optimism.
How long does it take?
Bank timelines apply. ACH is typically 1–2 business days, a wire usually the same or next business day, and SEPA about 1 business day.
Whose name does the recipient see?
On ACH they see Bridge. On a USD wire and on SEPA they see your name. The review screen shows it before you fund.
Does Swaps hold my money?
No. You send USDC to a deposit address made for this payout. Bridge, the provider for supported bank services, holds it until it pays the recipient.
Settle the invoice.
Keep your USDC flow.
Enter the invoice, review the quote, send USDC. Your supplier gets a bank transfer.