For merchants

Accept crypto without holding it.

SwapZilla is a non-custodial crypto payment gateway for online merchants. Customers pay in any coin they hold; you receive the coin and network you selected. No custody, no volatility exposure, no account for your customers.

Set up payments See merchant docs

The problem most crypto processors leave you with

01

Volatility on your balance

Traditional gateways credit you in the coin the customer paid — you inherit exposure to whatever they sent. Not a business you signed up for.

02

Custody and freeze risk

Custodial processors hold your funds. If they lose keys, get subpoenaed, or freeze your account, your revenue is stuck.

03

Signup friction on the payer

Some processors force your customer to create an account or verify identity before paying. Every friction step is lost conversion.

How SwapZilla solves it

The customer pays in whatever coin they hold. SwapZilla routes the swap across every integrated exchange provider in real time, picks the best rate, and settles into the exact asset and network you configured — sent directly to your wallet. Nothing custodial, nothing held on our side.

What you get

Single settlement asset

Configure once — every payment lands in the coin you chose (USDT, BTC, USDC, XMR, or any other supported asset).

Non-custodial by design

Funds route directly to your wallet. SwapZilla never holds a merchant balance.

Payment links and API

Generate shareable links, or use the HTTP API for programmatic invoices and webhooks with HMAC signatures.

Multi-provider best-rate routing

Live rate comparison across every integrated exchange provider on every payment.

How a merchant integration looks

  1. 1

    Get an API key

    Sign up for a merchant account, generate a key, set your settlement asset and receive address.

  2. 2

    Create a payment link or API call

    Generate a shareable link with an amount, or call POST /pay/requests for programmatic invoices.

  3. 3

    Customer pays in any coin

    They open the link, pick the coin they hold, and get a deposit address for that coin.

  4. 4

    Auto-swap and settle

    SwapZilla routes the swap and sends the settlement asset to the wallet you specified.

  5. 5

    Webhook confirms

    Your backend receives an HMAC-signed webhook when the payment status changes.

Merchant FAQ

What is the settlement asset and how do I choose it?

The settlement asset is the coin and network you want to receive. You configure it once per merchant account — every payment auto-converts and lands in that asset, regardless of what the customer paid in.

Do you take custody of merchant funds?

No. Every payment routes directly from the customer through the executing exchange provider to your specified settlement wallet. SwapZilla holds nothing.

What are the fees?

A small spread markup is included in every quote (typical mid-market spread is a fraction of a percent). There is no monthly fee and no per-transaction fixed fee.

How do refunds work?

Refunds are handled off-platform — since we settle directly to your wallet, you send the refund from that wallet if needed. No frozen balance to reverse.

Can customers pay from any wallet?

Yes. There is no wallet connection step — customers copy an address, paste it into their preferred wallet, and send. Works with MetaMask, hardware wallets, custodial exchange withdrawals, anything.

Ready to accept crypto?

Set up a payment link in under 5 minutes. No monthly fee, no volatility exposure, no custody.

Set up payments All solutions