Guide · B2B payers and finance teams

How to pay invoices with crypto

Paying an invoice in crypto is not a payment problem, it is a reconciliation problem: the payee needs the money to arrive at the right amount, in the asset they asked for, tagged with the reference their ledger expects. U.CASH invoices handle all three: the amount is quoted at send time, the asset is whatever the invoice specifies, and the reference rides along to their books.

You needThe invoice (or a payment request with amount, asset, and reference)Any crypto balance to pay fromThe payee's receiving details if paying outside a shared platform

Step by step

Every step, in order.

Step 01

Read what the invoice asks for

The invoice names the settlement asset and amount, plus a reference number. That reference is what reconciles your payment on their books: it is not optional.

Step 02

Pay from what you hold

Invoices on U.CASH are payable from any asset: the swap leg converts what you spend into what the invoice asks for, in one transaction.

Step 03

Check the quote against the invoice

The confirmation screen shows the exact amount of the requested asset that will arrive. For large invoices, give the quote a second look: slippage on big size is real.

Step 04

Include the reference

The buyer reference attaches to the payment automatically for platform invoices. Paying externally? Put it in the memo or the message field where the rail supports one.

Step 05

Send and confirm

Sign the transaction. Settlement finality depends on the asset's chain; the invoice shows the payment as cleared once the platform observes it.

Step 06

Keep the receipt

Each payment carries a transaction reference and an explorer link: the paper trail your accounting needs, in the payment record itself.

The part that matters

The one-way-door decision in crypto invoicing is who carries the denomination risk. If the invoice is denominated in fiat but settled in a pegged token, the peg holds the two together and the math is boring: which is the point. If it is denominated in a volatile asset, the amount is fixed at issue time and both sides carry the price risk until settlement. For recurring B2B relationships, denominating in a stablecoin and stating the reference format in the invoice terms removes nearly all of the support load.

Go deeper

Invoicing appGuide: accept crypto paymentsGlossary: settlement finality

FAQ

Can I pay an invoice with a different crypto than it asks for?
Yes. The swap converts what you spend into the requested asset at send time; the payee receives the asset and amount the invoice specifies.
How does the payee know the payment is mine?
The buyer reference. Platform invoices attach it automatically; external payments should carry it in whatever memo field the rail provides.
Is the payment final?
On-chain settlement is final once confirmed: there is no chargeback mechanism. That finality is precisely why suppliers like it; it is also why you check the address twice.

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Keep going

How to pay invoices with crypto, done right

Six guides, one platform, every rail non-custodial.