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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.

Many online businesses want to accept card payments but either can’t get a traditional merchant account or would rather be paid in stablecoins. With an on-ramp based gateway, your customer pays with a normal card and you receive USDC in your own wallet. Here’s how that works and what to watch out for.

How card-to-crypto payments work

Crypto on-ramp providers — companies like Coinbase, Banxa, Binance, Transak and others — are licensed to sell crypto to people paying by card. A card-to-crypto gateway uses these providers as the payment rail:

1. Your customer checks out on your store and is redirected to a hosted checkout.
2. They pay by Visa, Mastercard, Apple Pay or Google Pay through an available provider.
3. The provider processes the card payment and delivers stablecoins.
4. The gateway forwards the funds to your self-custodial wallet — with WerninBill, typically as USDC on Polygon.

From the customer’s point of view it’s a normal card payment. They don’t need a wallet and don’t need to know crypto is involved.

Advantages for merchants

• No merchant account application. The card relationship is with the licensed provider, not with you.
• No PCI DSS scope. Card details are entered on the hosted checkout, never on your server.
• Fast settlement. Funds are forwarded to your wallet once the payment is confirmed, rather than after a multi-day payout cycle.
• Dollar-stable payouts. USDC tracks the US dollar, so you’re not exposed to crypto price swings.

Things to know

• Provider fees apply. On top of WerninBill’s 1% platform fee, the on-ramp provider charges its own fee, which varies by country, card type and amount.
• Availability varies. Not every provider serves every country, and some may verify the customer for larger or unusual transactions.
• Use a self-custodial wallet. Payouts should go to a wallet you control, not an exchange deposit address.
• Stay within the rules. Scams, adult content, gambling, alcohol and drugs, and other criminal activity are not allowed. See compliance.

Getting started

If you run WooCommerce, WHMCS, OpenCart or PrestaShop, download the matching plugin from the card payment gateway page, install it and add your wallet address. For custom sites there’s a PHP starter integration. Without a website, you can create a payment link instead.

Freelancers, consultants, small agencies and social media sellers often need to get paid online but don’t run a website or store. Setting up an e-commerce platform just to collect one payment is overkill. A payment link solves this: you create a link for a specific amount, send it to your customer, and they pay in their browser.

What is a payment link?

A payment link is a secure URL tied to a specific amount and currency. Your customer opens it, chooses how to pay and completes the payment on a hosted checkout page. You can share it anywhere — email, WhatsApp, Telegram, Instagram DMs or an invoice PDF.

How to create a payment link with WerninBill

1. Open the Create Payment Link page.
2. Enter the amount and choose the currency (USD, EUR or GBP).
3. Pick a payment provider, or leave it on “All Available Providers” so your customer can choose.
4. Enter your customer’s email and your USDC (Polygon) self-custodial wallet — this is where you’ll be paid.
5. Click Create Payment Link, copy the link and send it to your customer.

There’s no account to create and nothing to install.

How your customer pays

Your customer can pay using the providers available in their region, including card options through Stripe, Coinbase Pay, PayPal (USA), Revolut (EU/EEA), Transak, Banxa, Simplex and local methods such as iDEAL, Interac and UPI. They don’t need a crypto wallet. You receive USDC on Polygon to the wallet you entered.

Tracking the payment

Every payment has a reference number. You can paste it — or your wallet address — into the payment tracker to open its on-chain history.

Fees

WerninBill takes a flat 1% platform fee on successful payments. The provider your customer picks may charge its own processing fee. See pricing.

Tips for getting paid faster

• Send the link together with a short description of what it’s for and the amount, so your customer recognises it.
• Leave the provider set to “All Available Providers” unless you know which one your customer prefers — it gives them the best chance of a method that works in their country.
• Double-check your wallet address before creating the link. Crypto payouts can’t be reversed.

When you’re ready to add payments to a real store, WerninBill has plugins for WooCommerce, WHMCS, OpenCart and PrestaShop.

Web hosting, VPS and SaaS companies bill customers from all over the world, often through WHMCS. Getting card payments approved for these businesses can be slow, and many customers now expect a crypto option too. This guide shows how to accept both cards and crypto on WHMCS invoices with instant payouts to your own wallet.

Why hosting companies look for alternatives

• Merchant account friction. Hosting is often classed as higher risk by traditional processors, which can mean long reviews or reserves.
• International customers. Clients in many countries have cards that are declined by some processors, or prefer local methods.
• Crypto-native clients. Developers and privacy-minded customers increasingly want to pay in USDT, USDC or BTC.

Card payments on WHMCS with instant crypto payouts

The WerninBill WHMCS module adds a gateway that sends clients to a hosted checkout, where they pay by card, Apple Pay or Google Pay through a licensed on-ramp provider. You receive USDC on Polygon to your own wallet, and the included callback marks the invoice as paid.

Installation in brief

1. Download the WHMCS module.
2. Upload the files to modules/gateways in your WHMCS directory, including the callback folder.
3. Activate WerninBill under System Settings → Payment Gateways.
4. Enter your USDC (Polygon) self-custodial wallet address and save.
5. Pay a small test invoice to verify the flow.

Accepting crypto directly

If your clients want to pay from their own wallets, the crypto payment gateway supports Bitcoin, Ethereum, Litecoin, Dogecoin, USDT and USDC on several networks, and many more assets. A unique receiving address is generated per payment.

Costs

A flat 1% WerninBill platform fee per successful transaction, plus any provider processing fee on card payments. No setup or monthly fee. See pricing and how crypto payment gateway fees work.

Good practice

• Use a self-custodial wallet you control for payouts, never an exchange deposit address.
• Mention on your billing page that card payments are processed by third-party providers, so clients aren’t surprised by the redirect.
• Keep WHMCS and the module files up to date.

Before choosing a crypto or card-to-crypto payment gateway, it helps to know exactly where fees come from. The headline percentage is only part of the picture. Here’s a plain breakdown of the costs involved in a typical payment and how WerninBill prices them.

The three layers of cost

1. The gateway’s platform fee

This is what the payment gateway charges for its service: generating payment addresses, running the hosted checkout, handling callbacks and forwarding funds. At WerninBill this is a flat 1% of each successful transaction, with no setup, activation or monthly fee.

2. The payment provider’s fee

When a customer pays by card, Apple Pay or Google Pay, a licensed on-ramp provider processes that payment. Providers charge their own processing fee, which depends on the provider, the customer’s country, the card type, the currency and the amount. This fee is separate from the platform fee.

When a customer pays directly in crypto, there is no card provider involved.

3. Blockchain network fees

Every on-chain transaction pays a network fee (often called “gas”). These are very small on networks such as Polygon, Arbitrum or BNB Chain and higher on Ethereum mainnet or Bitcoin at busy times. This is one reason many merchants prefer receiving stablecoins on low-cost networks.

A worked example

For illustration only: on a $100 payment, the WerninBill platform fee at 1% is $1.00. Any provider processing fee and network fee are additional and depend on the payment method used. Your effective total cost is the sum of all three layers.

Questions to ask any gateway

• Is the headline percentage the platform fee only, or does it include provider fees?
• Are there setup, monthly, withdrawal or minimum-volume fees?
• Are funds forwarded instantly to your own wallet, or held and paid out on a schedule?
• Which networks are payouts made on, and what do they cost to use?

Summary

WerninBill keeps its own fee simple: 1% per successful transaction, nothing else. Provider and network fees depend on how the customer pays. Full details are on the pricing page. To get started, pick an integration on the merchant integration page.