Issue the invoice
Create a payment request with the amount and reference; share a link or embed it in your existing billing.
Xchange360Pay by invoice
Get invoices paid in crypto and settled like cash
Send a payment link, take stablecoins from clients anywhere, and receive reconciled value you can pay out or hold. No volatility exposure, no banking delay.
In brief
What is crypto pay-by-invoice?
Crypto pay-by-invoice lets a business bill a customer and accept payment in stablecoins or crypto against that invoice. Xchange360 issues the payment instruction, settles the incoming value, and delivers reconciled funds, so the business is paid quickly across borders without holding volatile assets.
The problem
Cross-border invoices stall in the banking system
Correspondent banking adds days, fees and FX spread to every international invoice, and some corridors simply will not clear. Customers who want to pay in crypto have no straightforward way to do it.
Xchange360 turns a slow, uncertain payment into same-day, reconciled settlement.
How it works
How it works
Customer pays in crypto
Your customer settles in stablecoins or major crypto from anywhere.
You receive clean value
We settle and reconcile the payment, then pay out to your account or wallet, or hold it in custody.
Built for settlement, not speculation
No volatility exposure
Convert to stablecoins or fiat at execution so the amount you invoiced is the amount you keep.
Corridor coverage
Reach markets where banking is slow, costly or closed, with local off-ramps on the destination side.
Reconciled & auditable
Every payment maps back to its invoice with a clean record for your finance team.
Who it’s for
Exporters and commodity traders invoicing across borders
Service firms and platforms billing international clients
Trade-finance and cross-border businesses in hard corridors
Any B2B seller whose customers want to pay in crypto
FAQ
Common questions
Do I have to hold crypto?
No. Payments can be converted to stablecoins or fiat at settlement, so you are not exposed to price movement and you receive the invoiced amount.
Is this a regulated service?
Payments run through Xchange360’s regulated entities. Availability depends on jurisdiction and eligibility.
How fast do I actually get paid?
Crypto settlement clears in minutes on-chain, and Xchange360 reconciles and pays out far faster than correspondent banking — same-day rather than the several days a cross-border wire can take. Exact timing depends on the payout corridor and any local off-ramp on the destination side. Talk to the desk for timing on a specific corridor.
What does pay-by-invoice cost?
Pricing is quoted per business based on your needs. There is no correspondent-banking FX spread or intermediary chain, so the total landed cost is typically lower than a traditional cross-border wire. Contact the desk for a quote against your invoice flow.
Which stablecoins and currencies can customers pay in?
Customers can settle in major stablecoins and leading crypto assets, and you receive reconciled value converted to stablecoins or fiat at execution. Which assets and which fiat payout currencies are available depends on your corridor and eligibility. The desk can confirm the specific assets supported for your markets.
Does it fit my existing invoicing and accounting workflow?
Yes, you can share a payment link or embed the payment request into your existing billing, and every payment maps back to its invoice with a clean, auditable record for reconciliation. This keeps your finance team’s ledger and workflow intact rather than forcing a separate system. Integration depth depends on your billing stack.
Can a crypto invoice payment be reversed or charged back?
On-chain crypto settlement is final once confirmed, so there is no card-style chargeback risk for the seller, a key advantage over card and some bank rails. Every payment is matched to the invoice it settles, so you keep a clean record of what was paid and against what.
Which countries and corridors are supported?
Xchange360 targets cross-border corridors where banking is slow, costly or closed, with local off-ramps on the destination side so value can actually be used. Coverage is not universal and depends on licensing and banking in each market. Availability for your specific corridors depends on jurisdiction, so talk to the desk.
