Question 1

What are Swaps Payment Links?

Accepted Answer

A payment link is a full invoice behind a simple URL. You create it with a client, line items, and a settlement destination; your client opens the link, sees who is requesting payment and exactly how much, and pays with the bank rail that suits them. You receive settlement the way you prefer — a crypto wallet such as USDC, or your own bank account.

Question 2

Who can pay a payment link?

Accepted Answer

Anyone your link is addressed to — your client never needs a Swaps account and never goes through KYC. They simply open the page, confirm whether they are paying as a registered business or as an individual, pick a payment rail, and send a regular bank transfer from their own bank.

Question 3

Are there limits for payers?

Accepted Answer

Registered businesses can pay without amount limits on every supported rail. Individual payers are currently limited by our payment partner: USD transfers only, up to 4,000 US dollars per payment, and certain US states are excluded. The payment page explains the available options to your client before they choose a rail.

Question 4

How do I receive the money?

Accepted Answer

You choose the settlement destination when you create the link: a crypto wallet (for example USDC on a supported network) or your own bank account. The destination is frozen when the link is activated, so what your client pays is exactly what settles to you.

Question 5

What does it cost?

Accepted Answer

There is no subscription and no setup cost. Swaps earns a commission from the payment provider on each completed payment — the same model as the rest of the platform. The amount you invoice is the amount your client is asked to pay.

Question 6

Why do I need a business account to activate links?

Accepted Answer

Collecting payments for goods and services is a commercial activity, and our payment partner requires merchants to be verified business customers before money moves. Completing business verification (KYB) unlocks unlimited B2B collection on every supported rail. You can draft links before verification — activation is the only gated step.

Question 7

Does Swaps hold my funds?

Accepted Answer

No. Swaps is non-custodial and never holds or controls your money. Payments are processed by licensed, regulated partner providers and settle directly to the destination you chose — your wallet or your bank account.

Question 8

Which payment rails are supported?

Accepted Answer

ACH and wire for USD, SEPA for EUR, Faster Payments for GBP, PIX for BRL, and SPEI for MXN. Your client only sees the rails that match the invoice currency, together with expected processing times.