Three steps. That's the whole thing.
No bank negotiations, no crypto exchange, no waiting for payouts. Set it up once and get paid.
Customer pays by card
They check out with Visa, Mastercard, Apple Pay or Google Pay — exactly like any normal online store. They never need to know what a stablecoin is.
We convert it instantly
The card charge is turned into USDC or USDT digital dollars behind the scenes. No exchange account and no manual conversion on your side.
It lands in your wallet
Funds settle straight to the crypto wallet address you control. We can't freeze it, hold it, or claw it back — because we never have it.
Crypto checkouts lose almost every buyer. Ours doesn't.
Most “crypto payment” gateways only accept crypto — so the roughly 85–90% of shoppers who don't own any hit the checkout and leave. Bitoshi takes their ordinary card and still settles you in stablecoins. You capture the sale and the settlement you wanted.
of online shoppers don't hold any crypto — a crypto-only checkout turns them away.
of those buyers can still pay you — with the card they already have.
balance we ever hold. Money settles to your wallet, not an account we control.
countries you can accept from — no local entity or bank approval required.
Invoices & payment links that pay out to you
Send a branded invoice or drop a shareable link anywhere — a DM, an email, a bio. Your client pays by card; you receive stablecoins in a wallet only you control. Every payment shows the real asset, network, amount, and on-chain transaction.
A checkout & storefront for digital products
List products, share a hosted checkout, and deliver files or license keys automatically the moment a card clears. Perfect for creators, template shops, ebooks, courses, and software — with payouts straight to your wallet.
Everything you need to accept payments
Six tools that share one dashboard, one integration, and one place your money lands.
Hosted checkout
A fast, conversion-optimized pay page for card and crypto. No code needed to go live.
Invoices
Branded invoices with line items and PDF, marked paid the moment funds settle.
Payment links
One link to charge anyone, anywhere — reusable or single-use, fixed or open amount.
Products & storefront
Sell digital goods with automatic, secure delivery and an orders dashboard.
Multichain settlement
USDC & USDT on Polygon, BSC and Ethereum — settled to the wallet you choose.
Developer API
Typed REST, signed webhooks, and plugins for WooCommerce & WHMCS.
A payments API that feels like Stripe
Create a payment in one call and get a hosted checkout URL back. Typed REST, signed webhooks, idempotency, and real examples in Node, PHP, and Python.
POST https://api.bitoshi.org/v1/payments { "amount": "250.00", "currency": "EUR", "settlement_wallet": "0x4634…1B10", "rail": "card_or_crypto" } // → hosted checkout URL + webhook on settle { "id": "pay_3Ka9…", "status": "waiting_for_payer", "checkout_url": "https://pay.bitoshi.org/p/…" }
Built for how you get paid
Freelancers & consultants
Invoice a client or share a link. They pay by card; you receive stablecoins in your own wallet.
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Creators & digital sellers
A storefront and checkout for digital products, with secure delivery and direct wallet payouts.
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SaaS, ecommerce & developers
A clean API, signed webhooks, and plugins — without integrating each on-ramp and gateway yourself.
Explore →Answers, in plain English
Still unsure? Everything here is the way it actually works — no asterisks.
Do my customers need crypto or a wallet?
What exactly is a stablecoin?
Where does my money go?
What does it cost?
Do I need a company or a bank approval?
Get paid by card. Keep it in your wallet.
Add your wallet, share a link or drop in the API, and you're accepting card payments that settle in stablecoins. Live in minutes.