How to Pay with Cryptocurrency? A Crypto Payment Guide
How to Pay with Crypto Currency? A Crypto Payment Guide

How to Pay with Crypto Currency? A Crypto Payment Guide

Today, you can make payments via crypto for almost anything. Buying a car? Looking to book a holiday? Want to pay an invoice for your business? Or just paying for your day-to-day transaction via a Crypto Debit Card? No problem, you’ve got it.

If you’re a crypto trader who wants to learn how to pay via crypto for all of these things and more, you’re in the right place.

In this guide, we will show you how to pay for things with crypto, show you how to pay with cryptocurrency if you’re a business, and really help you get to grips with the ins and outs of crypto payments.

We will also explore various crypto payment methods including Card that lets you spend your assets directly from your wallet and pay with crypto practically anywhere – just like cash! 

Benefits of Making Crypto Payments

There are tons of benefits to using crypto as payment, and despite what some may think, it’s actually pretty straightforward.

One of the benefits of using crypto as payment is that, generally, there won’t be any traditional banks gumming up the process. Traditional banks are often slow and can rack up steep transaction costs.

Crypto payments, however, can be very cheap and can take minutes or, in some cases, seconds, depending on the crypto.

On top of that, paying with crypto can offer a better degree of privacy, as they can be fairly pseudonymous if you know what you’re doing.

And finally, making payments with cryptocurrency is extremely secure, meaning that if you take the proper precautions when using crypto for payments, even for day-to-day use, it can be very safe.

How Do You Pay With Crypto?

Now that we’ve covered why you should pay with crypto, let’s walk you through how to pay with crypto.

Buy Any Cryptocurrency Of Your Choice

It might seem obvious, but to pay using crypto, you need to start by buying some crypto assets such as Bitcoin, Ethereum, or even stablecoins like Tether (USDT) and USD Coin (USDC). 

One advantage of using stablecoins to make a crypto payment is that their prices remain stable and are safe from volatility, unlike other crypto assets.

With, you can manage a wide selection of cryptos right now on our platform. To start, go to our main page and follow a few easy steps to verify, pass a KYC check, and register your account.

Then you can send fiat funds via a wire transfer, SEPA, or buy cryptos with your credit or debit card.

Use A Wallet To Store Your Crypto Holding

Before we get into how to pay with crypto, you first need a crypto wallet to store it safely.

There are different types of crypto wallets. Some online software-based wallets can be used via your web browser and are called “hot wallets.” Like, MetaMask or Coinbase. Other wallets are offline, hardware-based called “cold wallets.” Like Trezor or the Nano series. wallet supports more than 800 crypto assets that you can manage from one single account. 

Sending And Receiving A Crypto Payment

If you are receiving a crypto payment, simply go into your wallet’s menu and click on the type of crypto and network that you are receiving payment in.

Your wallet will offer you an “address” that you can copy and paste or share with whoever is making the crypto payment.

Important Note: Always make sure that you have selected the correct crypto and (in some cases) the correct network, or you might be at risk of losing funds.

On the flip side, if you are sending a crypto payment, the payee will have to give some information. Such as:

  • The type of crypto and the amount
  • The network they are using
  • Their wallet’s address

Once you have that information, go into your wallet, select the desired crypto and network, and then enter their wallet address. Then enter the amount (account for transaction costs), double-check all relevant information, and then send!

Get a Crypto Card

crypto card - spend bitcoin and cryptos

If you’re asking, “How do I pay with cryptocurrency?” The most convenient way is definitely with a crypto card or cryptocurrency debit card. With a crypto card, you can spend your cryptos practically anywhere, where card payments are accepted. card allows you to pay with cryptos directly from your wallet without the need of selling assets at once or loading the card with fiat. The cryptos are converted at the point of sale at market price without any conversion fees. 

With the CW crypto card, you can spend more than 800 crypto assets, which is far more than any other crypto card in the market. You can also earn crypto cashback up to 3% on every transaction. 

Pay Using Crypto Balance

Now, let’s get into the key question: “How can I pay with cryptocurrency?”

Your CW Card will be linked to your account, which can be accessed via our website or our handy mobile app. In this app, you can track what cryptos you have, their current value, and your crypto balance.

Your CW Card is linked to this balance, and when you tap, scan, or swipe your CW Card, your card will instantly convert some of your stored cryptos at the point of purchase

Other Ways to Pay with Crypto Currency 

P2P Crypto Payment To/From Any Wallet

P2P, or “Peer 2 Peer,” is a fast and cheap way to send and receive crypto from one wallet to another. The transaction happens directly between sender and receiver without the need for any gateway or middleman. 

On some exchanges, P2P payments are also used to sell cryptos for cash or other assets. 

Crypto Credit Card or Crypto Debit Card

Learning how to pay in crypto is as simple as getting your hands on a crypto debit or credit card. Crypto cards work pretty much the same, but they do offer different perks. 

Crypto credit cards works by offering you credit with your crypto assets as collateral. So you are not actually spending your cryptos, you are just using them to gain funds, to pay for your transactions. Once you pay your crypto credit card bills, you get your asset back into your wallet.

Crypto debit cards works by taking the stored crypto in your account and instantly converting some of that crypto into fiat currency each time you make a purchase.

For instance, the CW Crypto Card allows you to spend 800+ cryptos directly from your wallet. And in addition, it offers some impressive referral rewards if you sign up a friend and the chance to earn native SPEND tokens that let you vote on upcoming token hostings.

Paying Invoices Using Crypto Funds

Many companies these days are learning how to pay in cryptocurrency for invoices. So get into how to make a crypto payment for invoices.

One of the more common ways to pay an invoice with crypto holdings is by letting clients enter their own crypto wallet address, plus the amount and preferred crypto and network, at the bottom of the invoice instead of a traditional IBAN or account number.

It’s simple, but it can lead to some problems, such as simple human error, which, given that most blockchain transactions are permanent, could lead to problems.

Thankfully, there are many third-party companies like CheckYa, Mt Pelerin, and BitPay that can act as facilitators for the process, which makes the ins and outs of how to pay with cryptocurrency much simpler.

How to Pay With Cryptocurrency for My Online Orders?

There are 2 ways to pay with cryptocurrency for my online orders?” 

  • Find merchants who accept cryptocurrency directly.
  • Pay using cryptos via a crypto debit card

While direct crypto payments aren’t found everywhere, you might be surprised to find out that there are lots of merchants who accept crypto. At the checkout, you can find the crypto payment options and the range of cryptos they accept. Select your crypto, input their address, or scan a QR code into your wallet and send the funds.

Check out our guide on What Can You Buy with Bitcoins?

The easier way is to use a crypto card which allows you to online or practically anywhere where cards are accepted.

Ensuring Security and Privacy When Paying with Crypto

To ensure your privacy and security when paying with crypto online, there are a few steps you can take.

First, be careful.

It might sound obvious, but the most common mistake with payment via crypto is that people don’t take their time and make mistakes. Wrongly entered wallet addresses, selecting the wrong network, or not factoring in gas prices are all too common.

So always remember to check and double-check every piece of information before finalizing a transaction.

Next, DYOR, or “Do Your Own Research.”

People sometimes fail to research the ins and outs of who they are trading with. Some platforms can have better security practices than others or a history of privacy breaches. So look into whoever it is you are doing business with.

Finally, never share your private keys or sensitive information with anyone.

No crypto platform or merchant should ever ask for private keys or ask for much private information.

Crypto debit card - How to Pay with Crypto Currency

How to Cash Out Crypto Payments?

While spending crypto instantly with Crypto Cards is super convenient when you are making crypto payments. However, sometimes you still need to cash out the payments you receive in cryptocurrencies is a crypto Neo-bank that allows you to sell more than 800 crypto assets. You can select the desired amount of cryptos you want to sell and select the “withdraw” option to transfer the fiat funds directly into your bank account. 

Simply input your IBAN or relevant account information and confirm the withdrawal. The fiat funds will be available in your bank account within the same day. also offers 24/7 customer support to assist you through this process. 

With, you can open an account and start managing 800+ crypto and spend them just like cash with Crypto Card. 

Crypto Payment FAQs

Now let’s go through some of the most frequently asked questions, like how to pay in cryptocurrency or how to pay via crypto.

How to order my crypto card for crypto payments?

You can simply go to the card page, and register for your own crypto card for crypto payments.
Sign up, all you need is some KYC information and some ID to create an account. Then you can order your card right to your door. 

Do I have to sell assets to load my crypto card?

While certain crypto cards, like the Visa Card, may require you to sell your assets beforehand in order to load the card, the same does not apply to some crypto cards that function differently.

With a card, you have the convenience of spending cryptocurrencies directly from your wallet and making crypto payments. When you use the card for a transaction, your crypto assets are automatically converted to fiat currency at the market price, right at the point of sale, and there are no conversion fees involved. This means you do not need to sell your assets in advance.

Alternatively, there are also numerous crypto credit cards available that allow you to use your crypto assets as collateral to obtain credit. This way, you can make payments without having to sell your crypto assets at all.

What are the fees when paying via crypto

Fees vary between providers. In general, platforms tend to charge somewhere in the region of 0-1.5% for transactions when you make a payment via crypto. card is one the cheapest crypto card in the market with 0.85% transaction fees. You also earn crypto cashback of up to 3% on every transaction. Check out our crypto card page for more info

Which cryptocurrency is accepted for online payments

Payments using cryptos can be different for every merchant and marketplace. Some stores accept popular currencies like BTC, ETH, or USDT, while some may accept hundreds of different cryptos as payments.

With Card, you do not have to worry about what cryptos are accepted as payments and where can you spend them. You can conveniently spend more than 800 assets directly from your wallet, anywhere online (or practically anywhere where card payments are accepted).

Where can you pay with cryptocurrency?

If you’re asking how to pay for things with crypto, a good question to ask is, where can I pay with crypto?

There are all kinds of shops and merchants online that allow you to make crypto payments. Microsoft, Starbucks, and Walmart are just some of the many name-brand companies that will gladly accept crypto as payment. You can also check out our guide on What Can You Buy with Bitcoins?

With Card, you do not have to worry about where can you pay with cryptos because you can conveniently spend 800+ crypto assets directly from your wallet, practically anywhere, just like cash.

Author Photo

Mohammad Humaid

Mo is an accomplished content marketer with expertise in Fintech, Blockchain, Web3, and SaaS. His professional journey includes a notable stint at Wise (formerly TransferWise) expanding the brand's footprints within European market. Presently, Mo is deeply engaged in shaping the vision of CryptoWallet, with the goal of making cryptocurrencies easily accessible and seamlessly integrated into everyday financial transactions.