Accept Bitcoin (BTC) payments
Mainnet, Lightning and SegWit — one integration. Auto-convert to USDT or USDC at receipt. Fees from 0.5%, fiat settlement on demand.
Start accepting Bitcoin
What is Bitcoin
Bitcoin (BTC) is the first and most widely adopted cryptocurrency, launched in 2009. It runs on a decentralized proof-of-work blockchain with a fixed supply of 21 million coins, making it the dominant store-of-value asset in crypto.
For merchants, Bitcoin represents the broadest potential customer base in crypto: more wallets, more exchanges, and more integrations than any other asset. Accepting BTC means your checkout is compatible with the default holding of most crypto-native users.
Bitcoin supports multiple network layers — Mainnet for on-chain settlement, Lightning for instant micropayments, and SegWit for reduced fees — letting merchants route payments by speed or cost depending on the use case.
Bitcoin networks supported by Speend
Mainnet (BTC on-chain)
Standard Bitcoin network. Confirmation in 5–60 minutes depending on mempool congestion. Best for large-value settlements and users transacting from hardware wallets or cold storage.Lightning Network
Layer-2 protocol for instant, low-fee Bitcoin payments. Settlement in seconds, fees near zero. Suitable for high-volume, smaller-ticket transactions — gaming credits, subscriptions, micropayments.SegWit (Native Bech32)
Segregated Witness addresses cut transaction size and Mainnet fees by 30–40% versus legacy formats. Accepted by default at Speend; no configuration required.Why accept Bitcoin with Speend
Largest crypto user base
BTC holders are the deepest liquidity pool in crypto — more potential payers than any other coin.Fast settlement on Lightning
Sub-second finality for Lightning payments; no waiting for block confirmations.Fees from 0.5% mono-currency
Flat fee, no hidden spreads. BTC in, BTC out at 0.5%.Three networks, one integration
Mainnet, Lightning and SegWit handled automatically. No separate endpoints, no manual routing.Auto-convert to stablecoins
Eliminate BTC price exposure — Speend can auto-swap to USDT or USDC at the moment of receipt.Cross-chain flexibility
Route by speed (Lightning) or settlement certainty (Mainnet) within the same merchant account.Step 1
Customer selects Bitcoin at checkout and chooses a network — Mainnet, Lightning or SegWit.Step 2
Speend generates a unique Bitcoin address or Lightning invoice for the transaction.Step 3
The network confirms — 10–60 minutes on Mainnet, seconds on Lightning.Step 4
Speend credits the merchant balance in BTC or auto-converts to the settlement currency.Step 5
Withdraw to your bank account or crypto wallet on demand.
Bitcoin processing fees
0.5% mono-currency — BTC in, BTC out. No conversion, no spread.
0% conversion — auto-swap into your settlement currency (USDT, USDC, EUR, USD) at time of receipt.
Network fees pass through at blockchain cost — Speend does not mark up miner or Lightning routing fees.
Bitcoin payments by industry
Bitcoin is accepted across the widest range of high-volume online verticals. iGaming operators use BTC for player deposits and withdrawals where speed and privacy matter. Forex and prop-trading platforms rely on Bitcoin for cross-border funding without correspondent-bank delays. VPN providers, adult-content platforms and crypto-native SaaS products use BTC as the default rail for privacy-conscious users. For crypto payroll or affiliate payouts, Mainnet and Lightning provide settlement rails that need no banking relationship.
