Accept Ethereum (ETH) payments

Speend is an Ethereum payment gateway and ETH payment processor for business. Accept Ethereum and ERC-20 tokens on your website, settle in crypto or fiat, with auto-convert, fees from 0.5% and KYB onboarding.

Accept Ethereum with Speend Talk to a manager

What is Ethereum (ETH)?

Ethereum (ETH) is the largest smart-contract blockchain and the second-largest cryptocurrency by market capitalisation. Its native coin, ETH, pays for transactions and computation on the network, and the Ethereum chain hosts the broadest ecosystem of tokens, including the ERC-20 stablecoins USDT and USDC.

For a merchant, accepting ETH means tapping into the largest base of active crypto wallets and the deepest token ecosystem. Speend handles the volatility question through optional auto-conversion: the customer pays in ETH, and you can hold ETH or settle into a stablecoin at the moment of confirmation.

Ethereum networks and tokens supported by Speend

Ethereum mainnet (ETH)

The standard network. Settlement in 1 to 3 minutes; best for payments where finality and ecosystem reach matter.

ERC-20 tokens

Accept USDT, USDC and other ERC-20 stablecoins on the same integration as ETH.

Layer-2 (Polygon, Arbitrum, Base)

EVM-compatible networks for lower-fee, faster ETH and stablecoin payments at scale.

Why accept Ethereum payments with Speend

Largest active wallet base

Ethereum has the deepest pool of active wallets, so a large share of crypto-paying customers can pay in ETH.

One integration for ETH and ERC-20

Accept the native coin and ERC-20 stablecoins through the same setup.

No chargebacks

On-chain Ethereum payments are final.

Auto-convert to stablecoins

Hedge ETH volatility by settling into USDT or USDC at confirmation.

Layer-2 for lower fees

Route high-volume ETH and stablecoin flow through Polygon, Arbitrum or Base.

Fees from 0.5% mono-currency

No setup fee, no monthly subscription.

How Ethereum payments work with Speend

Step 1

The customer picks Ethereum at checkout and chooses mainnet or a Layer-2 network.

Step 2

Speend generates a unique Ethereum address for that order.

Step 3

The customer sends ETH from their wallet. Mainnet confirms in 1 to 3 minutes; Layer-2 networks confirm faster.

Step 4

Speend credits your merchant balance. If auto-conversion is enabled, funds land in your chosen stablecoin at the live rate. A webhook fires.

Step 5

You withdraw on demand to a self-custody wallet, an exchange, or a supported bank rail.

Ethereum processing fees

Speend Checkout

Processed

0.4205 ETH

ETH 0.4205 ETH

USDT 1030.24 USDT

Completed

No hidden fees. No markups.

0.5% mono-currency — customer pays ETH, you settle in ETH.

1% conversion — the platform auto-converts incoming ETH into your settlement currency (USDT, USDC, EUR, USD).

Network fees pass through at blockchain cost — Layer-2 networks keep gas low for high-volume flow.

See full pricing →

Use cases

Ethereum payments by industry

Ethereum acceptance fits most merchant categories, especially those serving crypto-native and DeFi-adjacent customers. The strongest cases on Speend: e-commerce and retail, where stores add an ETH checkout; SaaS and Web3 products, which bill in ETH and ERC-20 stablecoins; and forex and trading, where ETH funds trading accounts.

E-commerce & retail Open →

SaaS & Web3 products Open →

Forex & trading

FAQ

Install a Speend plugin for WooCommerce, Shopify or Magento and paste your API key, or integrate the REST API. The sandbox lets you test the flow before going live, and most stores accept ETH payments the same day.

Yes. The same Ethereum integration accepts ETH and ERC-20 tokens. Many merchants accept ETH plus USDT-ERC20 and USDC together, then settle into a single currency.

Ethereum mainnet settles in roughly 1 to 3 minutes depending on network load. Layer-2 networks such as Polygon, Arbitrum and Base confirm faster and at lower gas.

Optional auto-conversion routes incoming ETH into USDT or USDC at the moment of confirmation, so your balance stays in a dollar-pegged asset. If you prefer to hold ETH, you can keep the payment in Ethereum.

0.5% for mono-currency processing (ETH in, ETH out) and 1% with conversion into another settlement currency. No setup fee, no monthly subscription; network fees pass through at cost.

On mainnet, very small amounts are uneconomical because of gas. For micro-payments, a Layer-2 network is more practical. Speend lets merchants set their own minimums in the dashboard.

Fiat settlement is available through partner banking rails in select jurisdictions. The default flow settles in crypto on your merchant balance, with on-demand withdrawal.

Start accepting Ethereum with Speend

Open a merchant account, finish KYB, add Ethereum to your checkout within a business day. A personal manager helps with network and settlement configuration.