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Un comercio cobrando con UPayments: una mano sostiene el teléfono con el pago completado

Get paid in Bitcoin, settle in dollars.

Your customer pays in Bitcoin, on-chain or over Lightning, and you pay out to your Unique Capital account.

  • Bitcoin and Lightning
  • No wallet
  • No price risk
Take my first payment
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Multi-location Lightning Payment links In-person Bitcoin
No monthly fee No terminal rental No payout fee No minimum volume

UPayments is the gateway that lets your business accept Bitcoin —on-chain or over Lightning— without opening a wallet, without learning anything new and without carrying the price risk: you name an amount and you get dollars.

Four things, and not one of them makes you learn crypto.

One amount, and you are taking payments.

On the keypad at the counter or with a link over WhatsApp. No forms, no customer details.

One required field: the amount.

Every dollar, in a single view.

Balance, today's payments, what the network is confirming and every payout, on one timeline.

Bitcoin and card, in one balance.

Available to pay out

$11,480.00

Pending confirmationPaid, waiting for the network to confirm it. $2,050.00
Paying outOn its way to your Unique Capital account. $770.00
How much to move Pay out all
$11480
Unique Capital Dollar account ····4182 Change
You receive $11,480.00
Cost Free
Pay out $11,480.00

Your money leaves when you say so.

Straight to your Unique Capital account, in dollars. By hand or scheduled: daily, weekly, or once the balance passes an amount.

Paying out costs nothing: $0.

How a payment travels, from the counter to your account

Name the amount.

Share the charge.

Your customer picks.

You get dollars.

One required field

At the counter, on the keypad. No long form, no customer details, no extra steps.

Link or QR

A link you send over WhatsApp, or a QR code on the counter. No terminal, no friction.

Bitcoin · Lightning

They pay in Bitcoin, on-chain or over Lightning. Which way is their business: it changes nothing for you.

Straight to Unique Capital

Exactly the amount you named, in your Unique Capital account, in dollars. The price risk never lands on your side.

  1. 01 Name the amount.
  2. 02 Share the charge.
  3. 03 Your customer picks.
  4. 04 You get dollars.

You set the amount in dollars, your customer pays in Bitcoin —on-chain or over Lightning— and you share the charge with a link or a QR code no terminal, no friction.

New · Tap to Phone

Your phone is the terminal.

No terminal, no rental, no cable. Open the app, name the amount and your customer taps their card.

Paid. No terminal, no cable.

Hardware
None. Your phone is the terminal.
Requirement
An NFC-capable Android.
Accepts
Contactless cards.
The payment
Lands in the same balance as the rest.
  1. 01 Name the amount. In the app, on the keypad.
  2. 02 Tap the card. Your customer rests it on the phone. That is the whole gesture.
  3. 03 Payment confirmed. The receipt goes out instantly and the amount lands in your balance.

Three go in. One comes out.

  1. Lightning: 81,070 sats = $84.50
  2. Bitcoin: 0.000811 BTC = $84.50
  3. Card: $84.50 = $84.50

The same, however they pay.

Sample rates · the conversion happens at the charge

Two fees, and both in plain sight.

0%

per transaction

0%

per conversion

$100.00
Transaction 0.5%
−$0.50
Conversion 2%
−$2.00
You get
$97.50

Both come out of each charge already. Paying out to your Unique Capital account carries no separate fee.

Take my first payment

Included

  • Free to open, no lock-in contract
  • Payment links and in-person QR
  • Payouts to your Unique Capital account, in dollars
  • Multi-location and multi-user from day one

What we never charge

  • Monthly fee
  • Terminal rental
  • Payout fee
  • Minimum volume

No setup cost, and the account is live the same day. If you do not charge, you do not pay.

Before you ask.

What businesses ask us most before they start.

Yours is not here? Write to us.

No. That is exactly the point: your business accepts Bitcoin, on-chain or over Lightning, without opening a wallet and without learning anything new. You name an amount and you get dollars.

We do. You set the amount in dollars and that is the amount you get, no matter how Bitcoin moves between your customer paying and the network confirming.

Straight to your Unique Capital account, in dollars. Pay out by hand or set it to run on its own: daily, weekly, or whenever the balance passes a number you choose. Paying out carries no separate fee.

No. You charge from the counter on the keypad, with a link you send over WhatsApp, or by showing a QR code. And if your customer wants to pay by card, your phone becomes the terminal with Tap to Phone.

Yes. Each location charges on its own and everything lands in the same view: balance, today's payments, what the network is still confirming, and the full ledger with refunds and payouts on one timeline.

Only the owner. It is not one more permission to spread across the team: it is the only one that cannot be undone, so it is not delegated.

Yes: that is where your money lands. Unique Capital gives you a dollar account, and that is where you pay out.

It is the fast way to pay with Bitcoin: the payment confirms in seconds with a minimal network fee. Your customer chooses whether to pay over Lightning or on-chain; you get the same, in dollars.

Name an amount. Get dollars.

No wallet, no terminal, no price risk. Straight to your Unique Capital account.

Take my first payment
See pricing
  • No setup cost
  • Live the same day
  • Pay only when you charge