Accept payments

Accept Lightning Network (BTC) payments

Accept Bitcoin over the Lightning Network: millisecond confirmation, near-zero fees, from any Lightning wallet, with fiat cards alongside. Funds settle to the Lightning invoice or xpub you control, non-custodial.

Why accept Lightning Network

Merchants choose U.CASH to take BTC without giving up custody or control.

Non-custodial

BTC settles straight to your wallet. U.CASH routes and notifies, it never holds your funds.

Cards too

Offer fiat cards through your own merchant account in the same checkout, side by side with BTC.

White-label

Your logo, colors, and domain. The payment surface is yours; U.CASH is just the rails.

Low, transparent fees

A flat fee per transaction, no spreads, no hidden routing cuts. You see exactly what you pay.

Global by default

Anyone with a Lightning Network wallet can pay. No chargebacks, no geography holds.

Per-coin finality

You set what counts as paid. Tune the confirmation policy for BTC per store.

How Lightning Network payments work

Step 01

Create your checkout

Sign up at U.CASH Pay and create a checkout that accepts Lightning Network alongside cards on 35 networks.

Step 02

Share the link or embed

Send a Pay-Now link, drop in the universal embed, or call the API server-side.

Step 03

Customer pays in BTC

The payer chooses Lightning Network from any wallet. U.CASH watches the chain against your confirmation policy.

Step 04

Settle to your wallet

Once confirmed, BTC settles on-chain to the address you control, with a signed webhook.

How to start accepting Lightning Network

Live in minutes. Drop a button on any site, or call the API server-side.

<!-- Universal embed: accepts BTC and 35 networks -->
<script src="https://pay.u.cash/js/client.js" async></script>
<div data-uxc="checkout" data-title="Lightning Network payment"></div>

Ways to accept Lightning Network

API

Create checkouts server-side with signed, replay-safe webhooks. Build any flow.

Embed and buttons

A universal embed script and Pay-Now buttons for any website, no backend needed.

E-commerce plugins

WooCommerce, Shopify, Magento, and 125+ integrations across the stack.

Invoices and requests

Email a Pay-Now link or a full invoice and get paid without a storefront.

POS and donations

Mobile POS apps and donation overlays for in-person and creator use.

Web3 names

Pay and pay out to ENS, Unstoppable Domains, and FIO handles, not raw addresses.

Fees and settlement

Settlement

On-chain, peer to peer, direct to the wallet address you configured. No pooled balance.

Confirmations

Lightning Network default policy: Invoices confirm on payment (near-instant); channel closes anchor to Bitcoin. Adjustable per store.

Payouts

Auto-forward to an xpub or address, or hold in your own wallet and withdraw anytime.

Accept more than Lightning Network

Bitcoin (BTC)

The original proof-of-work blockchain and largest cryptocurrency.

Litecoin (LTC)

A fast, low-fee Bitcoin-family payments chain.

Bitcoin Cash (BCH)

Peer-to-peer electronic cash forked from Bitcoin.

Monero (XMR)

Privacy-focused proof-of-work coin with shielded transactions.

Before you start

The setup is deliberately short. One wallet capable of holding Lightning Network and a little BTC for gas on its chain, one receiving address for the output, and you have everything: a web3 name resolves to the address just as well as the raw string. Read the preview before signing, since it carries the whole trade at a glance, the amounts in and out, the fee, and the network cost. The wallet remains yours throughout and signs nothing you have not seen on screen, which is the whole security posture in one sentence.

Fees and settlement

Two costs, both visible up front. The platform charges a flat 0.50% all-in on the swap and nothing hidden behind it, no spread and no routing cut. The network charges its gas in BTC, settling with near-instant blocks on Payment channels over Bitcoin (layer 2), itemized per leg in the preview. What settles is on-chain to the address you chose, under this asset's policy of Invoices confirm on payment (near-instant); channel closes anchor to Bitcoin, and once confirmed the balance is entirely yours to move with no platform anywhere in the path.

Underneath, an instant integration executes the trade with all-or-nothing semantics: partial fills do not exist here, and a route unable to meet the bounds you approved reverts the whole transaction rather than settling something worse. Your exposure window between legs is therefore zero, the only cost of a failed attempt is its gas, and re-quoting is a click.

Accepting Lightning Network: FAQ

How do I start accepting Lightning payments?
Sign up at U.CASH Pay, create a checkout, and set your settlement destination to a Lightning invoice. Embed the button, send a Pay-Now link, or call the API.
Where do Lightning funds go?
Straight to the Lightning invoice you configure. U.CASH routes and notifies; it never holds the funds.
Can customers without Lightning still pay?
Yes. The same checkout accepts on-chain Bitcoin, other supported coins, and fiat cards beside the Lightning option.
How fast do Lightning Network payments confirm at checkout?
near-instant blocks per Payment channels over Bitcoin (layer 2), with the confirmation policy stated per asset. The buyer watches the same status the checkout acts on.
Can I convert Lightning Network receipts automatically?
Yes: set auto-conversion into the settlement asset you keep, and the conversion executes at the payment-time rate. Hold or convert is a setting, changeable anytime.

Start accepting Lightning Network today

Non-custodial checkout for BTC and 35 networks, live in minutes.