How to Pay with Bitcoin + Crypto (Quick & Secure)

Whether you want to pay for your new car with cryptocurrency or you’re a business owner looking to send a merchant invoice using cryptocurrency, spending cryptocurrency has never been easier. Below, we’ll explain the important things you need to know to make sure you can pay with cryptocurrency quickly and securely, no matter what kind of user you are.

How to pay with cryptocurrencies

Before you can pay with cryptocurrency, you need to have some cryptocurrency in your wallet. Creating a cryptocurrency wallet is relatively easy, and there are many different types of wallets available that are perfect for all types of users, from beginners to seasoned power users. Once you have created your wallet, you need to obtain cryptocurrency to spend. This can be done by purchasing assets or by having a friend send them to your wallet address.

Once you have a cryptocurrency wallet with funds, here are the five main ways to pay with cryptocurrency:

  • Pay merchants that accept cryptocurrency payments
  • Make peer-to-peer (P2P) payments directly from your wallet to another wallet
  • Convert your crypto to cash using a crypto debit card
  • Pay bills with Bitcoin using solutions like BitPay Bill Pay
  • Buy gift cards to popular brands and retailers with cryptocurrency
Tip: Buy Cryptocurrency with BitPay Or, have a friend or family member send money to your wallet address. BitPay Wallet

Pay merchant bills from your wallet

Thousands of businesses around the world accept cryptocurrency payments directly from your wallet. BitPay is the world’s leading cryptocurrency payment processor, offering both customers and merchants the freedom and flexibility to make and receive cryptocurrency payments from the wallet of their choice. Overall, BitPay supports over 100 cryptocurrency wallets and hundreds of major cryptocurrencies. BitPay Protocol We ensure the smoothest, most secure experience possible by eliminating payment exceptions such as overpayments, underpayments, late payments, and duplicate payments. For a curated list of partner merchants who accept cryptocurrency through BitPay, check out our Merchant Directory.

How to pay with cryptocurrencies from your wallet

To pay your crypto bills from your crypto wallet, you only need to follow a few simple steps:

Step 1: During checkout, select BitPay as your payment method.

BitPay is the safest and most secure way to pay online.

Step 2: Select “Initiate Payment.”

Depending on the merchant you’re paying with or the transaction amount, you may be asked to verify your BitPay ID. Don’t have a BitPay ID? Sign up to get started. A BitPay ID is an easy way to manage your payment information with BitPay and simplify logging into multiple BitPay products. All you need is your email and password. One-time verification is required for anyone who spends $3,000 or more with a BitPay merchant or prepaid payment, initiates a refund request for $1,000 or more, or receives a BitPay payment.

Step 3: Select your wallet.

BitPay supports over 100 of the most popular cryptocurrency wallets, including all wallets supported by Wallet Connect 2.0.

Step 4: Select your cryptocurrency.

Once you connect your wallet, BitPay will automatically show you the available assets you can use to pay your BitPay invoices. BitPay supports payments with over 100 of the most popular cryptocurrencies. Don’t see your desired coin or token? Either BitPay hasn’t added support for that asset or the merchant has chosen not to accept it.

Step 5: Pay your bill

If you want to make a payment using BitPay Wallet, you can select “Pay with Wallet”. An invoice will be generated in your Wallet app, from where you can complete the payment. Alternatively, complete the transaction by scanning the QR code with your Wallet app or manually entering the merchant’s incoming wallet information into your Wallet. Once you confirm the payment in your Wallet, the payment will be reflected instantly on your invoice. Remember to submit your payment within the 15 minute payment window.

Pay with cryptocurrency. Fast, easy and secure.

Get the BitPay Wallet App

Make P2P payments to or from any wallet

True to Bitcoin’s origins as a fast and secure way to send and receive value between users, peer-to-peer (P2P) payments can be easily initiated through a trusted wallet provider. Payments can be made online or in person. Before you can start paying someone with cryptocurrency, you’ll need a few pieces of information:

How to make P2P cryptocurrency payments

step 1: Open your wallet
(Don’t have a wallet? Download the BitPay Wallet. It’s safe, secure and free!)

Step 2: Enter your wallet address or scan the QR code if in person (Note: double and triple check that the address is correct. It’s safe to share your wallet address, but never share your private key or recovery phrase).

Step 3: Enter the transaction amount and the specific cryptocurrency you want to use

Step 4: See all transaction details

Step 5: Verify the transaction was completed using your wallet or block explorer

Pay with cryptocurrency debit cards

For crypto spenders on the go, crypto debit cards like the BitPay Card are one of the easiest and most convenient ways to spend your crypto holdings, whether you’re shopping online or in person. Simply load your BitPay Card with the cryptocurrency of your choice and use it like cash anywhere in the world where Mastercard is accepted. You can also earn cashback rewards on purchases. Download the app to get started, apply for a BitPay Card and get approved in minutes. Once approved, you can start using it immediately.

How to deposit and pay with cryptocurrency debit cards

Follow these five steps to increase the purchasing power of your cryptocurrency debit card.

step 1: Make sure you have an active wallet in the BitPay app and a positive cryptocurrency balance.

Step 2: Get a BitPay card (apply and get approved in minutes, no credit check required)

Step 3: Tap the card icon from the app’s home screen

Step 4: Load up your card using your preferred cryptocurrency

Step 5: You can use your card in person, online and at ATMs just like any other debit card.

Tips: You can load funds onto your card from any wallet, including your Coinbase account.

Pay your bills with BitPay Bill Pay

From credit cards to mortgages, you can easily pay all your bills with Bitcoin and other cryptocurrencies directly from your wallet without going through a bank or wire transfer. Start making payments with BitPay Bill Pay using the BitPay app or website.

Steps to pay bills with Bitcoin

Step 1: Set up your wallet: Download the BitPay app for your Android or iOS device to create a self-managed wallet. You can also import wallets/keys from other popular self-managed wallet applications such as Metamask, Exodus, Trust Wallet, Coinbase Wallet, etc. Or, log in to your BitPay account and[請求書支払い]You can also go to the tab and use the BitPay website.

Step 2: Connect your accounts: In the BitPay app, tap the Payments tab, then tap Invoices. If you’re a new BitPay user, you’ll need to provide some basic KYC (Know Your Customer) information to connect your billing account to your cryptocurrency wallet. On the BitPay website, follow the instructions in the Invoice Payments tab to add an invoice.

Step 3: Pay your bill with cryptocurrency: Once your invoice is connected, details like provider, payment due date, and balance will be displayed in the app. Select the invoice, tap “Pay bill”, enter the amount you want to pay, select your preferred cryptocurrency, and confirm your payment.

Learn more about how you can pay virtually any bill with cryptocurrency.

Buy gift cards with crypto and spend them anywhere

While the three ways to pay with cryptocurrency outlined above should cover most spending situations you can imagine, there are other ways to pay using cryptocurrency: Did you know you can buy gift cards with cryptocurrency from hundreds of major companies and brands, including Mastercard, The Home Depot, Best Buy, Airbnb,, Delta Airlines, and more?

If you’re not sure if a cryptocurrency debit card is right for you, or your favorite merchant doesn’t accept direct crypto payments, you can still spend your crypto just like cash by purchasing gift cards through the BitPay app or the BitPay extension for Google Chrome. Once you have your gift card of choice, you’re free to use it just like any other digital gift card: spend it immediately, save it for later, or share it with friends and family.

How to buy gift cards with cryptocurrency via BitPay

Gift cards are another easy way to spend crypto with some of the world’s most popular brands, even if they don’t accept crypto as a payment. To buy gift cards with crypto via BitPay, you just need to follow a few simple steps.

step 1: Download the BitPay app or Chrome extension

Step 2: Select a gift card and retailer

Step 3: Please select the amount

Step 4: Pay for gift cards using your preferred wallet and cryptocurrency

Step 5: Receive your gift card right away and start using it!

Tips: You can purchase gift cards using any key imported into the BitPay app, including your Coinbase account.

The benefits of paying with cryptocurrencies

Whether you’re a consumer or a merchant, paying with Bitcoin or other cryptocurrencies offers a variety of benefits.

First, cryptocurrency holders can conduct secure, low-cost financial transactions without going through a bank. Transactions going through traditional institutions such as banks often incur high service and wire transfer fees, especially when sending or receiving money from overseas. While bank transfers can take days or more to complete, cryptocurrency payments typically take just minutes. Cryptocurrency transactions are largely anonymous, allowing transactions to be conducted without disclosing personal information, making them appealing to privacy-conscious cryptocurrency users. Cryptocurrency transactions are secure and virtually impossible to alter or interfere with, reducing the risk of fraud even when sending money to complete strangers.

Frequently asked questions about how to pay with cryptocurrencies quickly and securely

Now that we’ve covered many of the convenient ways to spend your cryptocurrency with BitPay, you may still have questions. Here are some frequently asked questions about safe crypto payments.

What cryptocurrencies can I use to shop?

The answer to this varies. Larger, more established payment service providers like BitPay usually support many of the top cryptocurrencies by market cap and should meet the needs of most cryptocurrency users. This includes the most popular coins and tokens like Bitcoin (BTC), Litecoin (LTC), Ethereum (ETH), Dogecoin (DOGE), and stablecoins like USD Coin (USDC). However, if you want to use smaller or niche coins and tokens, you will usually need to use direct P2P payments.

Where can I pay with cryptocurrencies?

Thousands of merchants around the world accept cryptocurrency payments directly. When you include merchants that accept gift cards and debit cards, the number of stores and brands where you can make purchases with cryptocurrency grows to millions. Search the BitPay merchant directory to find your favorite merchants that accept cryptocurrency payments directly or offer gift cards that can be purchased with the BitPay app. With a cryptocurrency debit card like the BitPay Card, you can spend your cryptocurrency virtually anywhere.

What can you buy with cryptocurrencies?

These days, you can probably buy anything you can think of with cryptocurrency in some way. From plane tickets to smartphones, cars to real estate, you can get it all with cryptocurrency thanks to BitPay’s extensive partner network across industries and sectors. Looking for a more complete list of things you can buy with cryptocurrency? Check out our cryptocurrency spending guide.

Can I pay friends and family with cryptocurrency?

Yes you can! In fact, direct P2P transactions are the easiest and most direct way to pay friends and family with cryptocurrency. All you need is their cryptocurrency wallet address and you can send money to anyone quickly and easily.

What fees are charged when paying with cryptocurrency?

Cryptocurrency payments incur small fees depending on the method you use. Transactions vary depending on the cryptocurrency you use, the service provider, the merchant, and market conditions. Learn more about cryptocurrency trading fees and how to save on them.


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