How to Accept Crypto Payments on Your Website in 2026

Accepting crypto payments used to require deep blockchain knowledge, running nodes, and managing private keys. In 2026, it's as simple as adding a script tag to your website. This guide walks you through the entire process.

Why accept crypto payments?

Crypto payments are growing rapidly because they solve real pain points for merchants: no chargebacks, no held funds, no geographic restrictions, and lower fees than credit card processing. The key breakthrough for merchants is stablecoins — cryptocurrencies pegged to the dollar or euro that eliminate price volatility.

Step 1: Choose a payment method

You have two main options for accepting crypto: volatile assets (BTC, ETH) or stablecoins (USDC, EURC). For most merchants, stablecoins are the better choice because there's no price risk. If a customer pays $100 in USDC, you receive exactly $100 worth of USDC.

Step 2: Choose a payment gateway

A crypto payment gateway handles wallet generation, transaction monitoring, and settlement so you don't have to. Look for: multi-chain support (customers shouldn't be limited to one blockchain), stablecoin support (USDC and EURC), a simple integration method, and transparent pricing.

Fivo checks all these boxes. It supports USDC and EURC across 9 EVM chains, offers a one-line embed integration, and charges a flat 0.5% on withdrawals with no hidden fees.

Step 3: Create your merchant account

Sign up at fivo.finance/register. During registration, you'll choose your preferred receiving blockchain (Polygon is recommended for lowest fees). Fivo automatically creates a secure Circle wallet for you — no seed phrases to manage.

Step 4: Add the payment widget

Once registered, grab your merchant ID from the dashboard and add the Fivo widget to your checkout page. You can set a fixed amount or let customers enter their own.

<script async src="https://checkout.fivo.finance/v1/fivo.js"></script>

<fivo-button
  merchant-id="fivo_live_your-merchant-id"
  amount="49.99"
  currency="USDC">
</fivo-button>

<script async src="https://checkout.fivo.finance/v1/fivo.js"></script>

<fivo-button
  merchant-id="fivo_live_your-merchant-id"
  currency="USDC">
</fivo-button>

Step 5: Test in testnet mode

Before going live, test with testnet USDC. Fivo provides a testnet merchant ID (starting with fivo_test_) and you can get free testnet USDC from the Circle Faucet. Once everything works, switch to your live merchant ID.

Step 6: Set up webhooks (optional)

For automated fulfillment, configure webhooks in the Fivo dashboard. When a payment completes, Fivo sends a signed POST request to your endpoint with payment details. This lets you automatically activate subscriptions, send digital products, or update order status.

app.post('/fivo-webhook', (req, res) => {
  const { event, payment } = req.body;

  if (event === 'payment.completed') {
    // Activate the customer's order
    console.log(`Payment ${payment.id} completed: $${payment.amount}`);
  }

  res.status(200).send('ok');
});

That's it — you're accepting crypto

With Fivo, the entire process takes under 10 minutes. No blockchain expertise required, no server infrastructure, no private key management. Your customers pay with their preferred wallet on any supported chain, and the funds arrive in your Fivo wallet automatically.