How to Accept Crypto and USDT Payments on WooCommerce

Adding crypto to a WooCommerce store used to mean juggling exchange accounts, manual wallet checks and plugins that only understood one coin. Today you can accept Bitcoin, USDT, USDC and card payments in one checkout and receive the money in a wallet only you control. This guide walks through how it works and how to set it up in about ten minutes.

Two ways to take crypto on WooCommerce

There are two different things store owners usually mean by “accepting crypto”:

1. Customers pay in crypto. The shopper sends BTC, ETH, USDT or another asset from their own wallet. You need a gateway that generates a unique payment address per order and confirms the transaction on-chain.
2. Customers pay by card, you receive crypto. The shopper pays with Visa, Mastercard, Apple Pay or Google Pay. A licensed on-ramp provider converts the payment and you receive stablecoins such as USDC. The customer never needs to own crypto.

The second option is often the bigger opportunity: most shoppers don’t hold crypto, but almost all of them have a card. WerninBill supports both — the WooCommerce plugin handles cards, and the crypto payment gateway handles direct crypto payments.

What you need before you start

• A WordPress site with WooCommerce active (WordPress 5.8+ and PHP 7.2+).
• A self-custodial EVM wallet, such as MetaMask or Rabby, that you control. This is where payouts arrive. Do not use an exchange deposit address — exchanges may not credit incoming transfers from contracts or unfamiliar networks.

You don’t need a merchant account, and there’s no application to fill in.

Step-by-step setup

1. Download the WerninBill WooCommerce plugin.
2. In WordPress, open Plugins → Add New → Upload Plugin, upload the ZIP and activate it.
3. Go to WooCommerce → Settings → Payments and enable WerninBill.
4. Paste your self-custodial wallet address and save.
5. Place a small test order and complete the payment to see the full flow, including the automatic order status update.

How a payment flows

When a customer chooses WerninBill at checkout, WooCommerce redirects them to the hosted checkout at checkout.wernin.site. A temporary payment address is generated for that specific order. The customer pays through one of the available providers, the funds are forwarded to your wallet, and a callback updates the order in WooCommerce. Your store never handles card numbers, which keeps you out of PCI DSS scope.

Why USDT and USDC are popular with merchants

Stablecoins track the US dollar, so the amount you receive doesn’t swing with the crypto market the way BTC or ETH can. Receiving USDC on Polygon also means low network fees when you later move or convert the funds.

What it costs

WerninBill charges a flat 1% platform fee on successful transactions, with no setup or monthly fee. The provider that processes the card may add its own fee depending on the country, currency and amount. Read more in how crypto payment gateway fees work or on the pricing page.

Common questions

Will this work with the WooCommerce block checkout?

Yes. The plugin supports both the classic checkout and the Cart & Checkout blocks.

Can I accept crypto if I don’t have a store at all?

Yes — create a payment link and send it to your customer directly.

Is every payment method available in every country?

No. Provider availability varies by country, currency, amount and provider requirements, and some providers may verify the payer for certain transactions.