Accept crypto payments at your small business. Get paid in US dollars.
Accept crypto payments as a small business without holding crypto. TapCrypto sets up local shops to accept crypto at the counter. We handle the processor account, the device, staff training and signage, so you can say yes when a customer asks.
Get startedNo cost to ask. See pricing.
We never touch your funds. Money goes straight from the processor to your bank.Crypto payment setup for business
We're a local setup and support service. You get your own merchant account with a licensed processor, and the money goes straight from the processor to your bank. We never touch your funds.
Accept bitcoin in store: how it works
Processor approval typically takes 5–7 business days and isn't guaranteed.
- 1. Sign upTell us about your business with our short form.
- 2. Account setupWe help you open your own BitPay or Flexa merchant account and prep the business verification (KYB) documents.
- 3. DeviceWe set up an iPad, phone or countertop terminal with the right checkout app.
- 4. TrainingAbout an hour with your team: taking a payment, refunds and scam red flags.
- 5. Go liveA test transaction, signage up, and a 30-day check-in.
Your timeline to accepting crypto
- Deposit
- Sign up for Flexa or BitPay
- Receive your device
- Application accepted within 5-7 days(approval not guaranteed)
- Start taking crypto
- Receive cash in the bank the next business day*
*Next-business-day USD settlement is BitPay's published timing; Flexa timing may vary.
Why small businesses accept crypto payments
Reach new customers
About 1 in 5 U.S. adults have used crypto, and many want to spend it locally. Be the shop that says yes.
No chargebacks with BitPay
BitPay lists eliminating chargebacks as a feature of crypto payments processed through it, which helps protect big-ticket sales.
Fast USD settlement
BitPay settles US dollars to your bank the next business day. You never have to hold crypto.
No price swings
The exchange rate is locked when the invoice is created, so crypto price moves don't change what you receive.
Benefits per BitPay and Flexa. We don't promise any sales lift or savings.
What the research says
Surveys vary a lot depending on how they ask. Here are the numbers, with sources. Information as of October 2026.
of U.S. adults say they have ever invested in, traded or used crypto (up from 16% in 2021).
Source: Pew Research Center, survey Jan 20–26, 2026, published Jun 8, 2026
of U.S. adults currently own crypto, down from 14% in 2025. We think honest numbers matter.
Source: Gallup, survey Jun 1–15, 2026
of adults in upper-income households have ever used crypto, up from 17% in 2021. Among men 30–49 it's 40%.
Source: Pew Research Center, Jan 2026
of merchants in a PayPal/NCA survey report customer inquiries about paying with crypto. 39% of those surveyed accept it.
of merchants in the same PayPal/NCA survey expect crypto payments to be common within 5 years.
in observable stablecoin payments for goods and services in 2025, growing about 60% a year.
Source: BCG + Allium Labs, “Stablecoin Payments: The truth behind the numbers” (2026)
Crypto POS for small business: the right processor for your ticket size
We match you to a processor based on your typical sale.
Flexa: everyday tickets
- 1% flat fee, with no setup or conversion fees (Flexa)
- Flexa Point of Sale app on any iPhone or iPad (Flexa docs)
- For small and mid-size tickets, under $5,000
BitPay: big tickets
- 2% + $0.25 per transaction under $500K/month (BitPay pricing)
- US dollars to your bank the next business day, locked exchange rates, and no chargebacks as a BitPay feature (BitPay)
- For tickets of $5,000 and up
Processor fees are set by BitPay and Flexa and can change. Crypto fees are not always lower than card fees, so we compare against your own statement rate. Processors approve or decline merchants, not us.
Built for local businesses
Jewelers
Engagement rings, watches and custom pieces are big, considered purchases. Give crypto-holding shoppers a way…
Gold, Bullion and Coin Dealers
Many crypto holders also buy precious metals. Let them pay for coins and bars in crypto while you receive US…
Pawn Shops
Give buyers another way to pay for jewelry, tools, electronics and instruments, with chargeback protection on…
Auto Dealers
Vehicle deals are exactly the high-ticket sale BitPay is built for. We help you set it up right before your…
Boutiques and Luxury Retail
Apparel, handbags, home goods and gifts. Offer crypto at the counter on an iPad, with a simple 1% flat…
Restaurants and Bars
Small, frequent tickets are a good fit for a low flat fee. Give regulars and visitors one more way to pay…
Salons and Med Spas
From haircuts to treatment packages, let clients pay with crypto at the front…
Contractors and Home Services
Roofing, remodels, HVAC and landscaping jobs often run into the thousands. Take crypto deposits and final…
Furniture and Appliance Stores
Sofas, mattresses and appliance packages are mid-to-large purchases. Offer crypto alongside your other…
Powersports and Marine Dealers
ATVs, snowmobiles, boats and trailers are high-ticket purchases where BitPay's chargeback protection…
Plans and pricing
Payments go straight from your customer to you through the processor. We never touch your funds. TapCrypto takes no cut of your sales.
Monthly Plan
$89/month with iPad · $99 down · 24-month term
The lowest upfront cost, with device and support included.
- $99 down, credited to month 1
- Device included: SUNMI or Samsung Galaxy at $79/month, or iPad at $89/month, shipped preconfigured after processor approval
- Remote setup, 1 hour of staff training and support included
Pay Yearly
Then $399/year · Save about 37% over 2 years
Pay once a year and spend less over time.
- Free SUNMI or Samsung Galaxy device (6% Michigan sales tax applies); $899 with iPad, or $599 if you bring your own iPad
- Remote setup plus 12 months of support
- Then $399/year to renew
Buy outright
Remote Setup, you own the device
We set you up over video. Processor approval typically takes 5–7 business days and isn't guaranteed.
- $849 with iPad (Flexa) or $699 with SUNMI or Galaxy device (BitPay)
- Bring your own iPad: $300 off
Add-ons: On-Site Specialist visit $499–$799 (travel within 60 miles included), website from $300. Devices ship after processor approval. $99 deposit is credited toward your plan and fully refunded only if your processor application is declined. Processor fees (Flexa 1%, BitPay 2% + $0.25) are paid to the processor; approval isn't guaranteed. See full pricing and terms.
FAQ: accepting crypto payments as a small business
What's the best crypto POS for a small business?
It depends on your typical sale. In our routing, sales under $5,000 use Flexa's Point of Sale app on an iPhone or iPad (1% flat fee), and sales of $5,000 and up use BitPay (2% + $0.25 under $500K a month).
Can I accept bitcoin in store without holding bitcoin?
Yes. BitPay settles US dollars to your bank the next business day, and the exchange rate is locked on each invoice. We never touch your funds.
What does crypto payment setup for a business cost?
Our setup and support packages are pricing on request. Processor fees are paid directly to BitPay or Flexa.
Ready to say yes to crypto?
Tell us about your shop and we'll recommend a setup.
Get started