Acctual's crypto payment processing platform enables businesses and freelancers to accept cryptocurrency and fiat payments from end customers through flexible invoicing. The platform functions as a merchant payment gateway that accepts multiple payment methods including stablecoins (USDC, USDT) and traditional fiat currencies (USD, EUR, BRL, HKD, AED), while providing same-day settlement directly to the merchant's chosen destination.
Payment Acceptance Features
Multi-Currency Payment Gateway
Customers can pay invoices using their preferred payment method—including ACH, wire transfers, regional rails like PIX (Brazil) and MPesa (Africa), or stablecoins across multiple blockchain networks. Merchants configure where they want funds to land, enabling cross-currency conversion (e.g., customer pays in BRL, merchant receives HKD).
Instant Settlement
Unlike traditional merchant payment processing with Net 30 or Net 60 terms, Acctual provides same-day payment settlement directly to the merchant's bank account or crypto wallet. No platform balance holds—payments are deposited immediately, dramatically improving cash flow.
Checkout Experience
The platform features a design-first interface that creates professional invoice checkout experiences for customers. The clean, intuitive design makes crypto payments accessible to non-technical end customers while maintaining professional branding for merchants.
Unlimited Transaction Volume
All pricing tiers include unlimited invoice creation with no monthly transaction limits, suitable for merchants of any size from freelancers to enterprises processing high volumes.
Merchant Integration
Accounting Software Sync
Accepted payments sync automatically with QuickBooks and Xero accounting software (Growth tier and above), eliminating manual reconciliation and ensuring accurate merchant financial records.
API & White-Label Potential
While the primary interface is invoice-based, the platform's architecture supports merchant payment workflows and could be integrated into checkout flows for Web3 businesses.
Pricing & Fees
Transparent 1% merchant fee on flexible payment conversions where the customer pays in a different currency than the merchant receives. Payments in the same method and currency incur 0% fees. Higher tiers offer reduced merchant rates:
- Standard: 1%
- Growth: 0.95%
- Company: 0.9%
- Enterprise: Custom pricing
Merchant Use Cases
- Global freelancers accepting payments from international clients in multiple currencies
- E-commerce businesses offering crypto payment options at checkout
- Web3-native companies accepting stablecoin payments from customers
- Service businesses wanting to offer maximum payment flexibility while maintaining simple accounting
- Subscription services and recurring billing in crypto
- Donation platforms for nonprofits accepting crypto contributions
Market Reach
Serving 5,000+ merchant businesses across 129+ countries, the platform handles diverse payment acceptance scenarios from individual freelancers to finance teams at Web3 startups and traditional businesses entering crypto merchant services.
Key Differentiators
- No wallet required for customers: End customers can pay with traditional payment methods or crypto
- Same-day settlement: Eliminates the 30-60 day payment cycles common in traditional merchant processing
- Cross-currency conversion: Customers pay in one currency, merchants receive in another
- Direct accounting integration: Automatic sync with QuickBooks/Xero eliminates manual merchant reconciliation
- Transparent pricing: Flat percentage fee structure with no hidden merchant costs
