Holded + Swiss Bitcoin Pay: Bitcoin Invoicing for SMEs

Holded runs the back office for more than 80,000 businesses across Spain and the rest of Europe, tying invoicing, accounting, and bank reconciliation into one place. The invoicing works well for euro bank transfers and cards. The moment a customer wants to pay in Bitcoin, though, the process falls outside the system, and you are back to copying wallet addresses and checking exchange rates by hand.

That gap matters more now that Bitcoin payments are turning up in ordinary European retail, from Swiss supermarkets to online shops. A growing set of SMEs field the occasional request to pay in Bitcoin and have no clean way to handle it inside their existing tools.

PayInBTC.me connects Holded to Swiss Bitcoin Pay so a Bitcoin option sits directly on your invoices. The customer pays in Bitcoin, over the Lightning Network or on-chain, and the payment settles straight to your own wallet. Your Holded workflow does not change.

Why Holded and Swiss Bitcoin Pay work together for EU businesses

Two European tools, one payment flow

Holded is built in Barcelona and shaped around European accounting: Verifactu, SII, TicketBAI, and EU e-invoicing rules are handled inside the product. Swiss Bitcoin Pay operates from Switzerland and gives businesses a fast way to accept Bitcoin, over Lightning for small everyday amounts and on-chain for larger ones. For an SME that already keeps its books in Holded, adding Bitcoin acceptance no longer means bolting on a tool from outside the European ecosystem it works in.

No KYC hurdle to start accepting

Swiss Bitcoin Pay sets up in about a minute and does not require KYC identification to begin accepting payments. That suits a small business testing Bitcoin acceptance on a handful of invoices before deciding whether it belongs in the standard checkout. PayInBTC.me sits between the two, reading invoice details from Holded and passing the amount to Swiss Bitcoin Pay's checkout when a customer clicks to pay.

Read-only access, funds you own

PayInBTC.me reads invoice data from Holded and never writes back to it. It pulls the invoice number, amount, and currency to build the payment, calculates the Bitcoin amount in real time, and sends the customer to Swiss Bitcoin Pay. Bitcoin settles directly to your own wallet, non-custodial, so PayInBTC.me never holds your funds at any point.

How the integration works

The setup takes about five minutes and needs no crypto knowledge. Once connected, the flow runs on its own for every invoice you choose.

Connect Holded and Swiss Bitcoin Pay

Sign in to PayInBTC.me and link your Holded account and your Swiss Bitcoin Pay account. The connection is read-only on the Holded side, so PayInBTC.me can see invoice details but cannot change your books.

Add the Bitcoin link to an invoice

A 'Pay with Bitcoin' link is placed on the invoices you send from Holded. Your invoice template, numbering, and layout stay exactly as they are.

Customer chooses to pay in Bitcoin

When the customer clicks the link, PayInBTC.me fetches the invoice total from Holded, calculates the Bitcoin amount at the live rate, and redirects to the Swiss Bitcoin Pay checkout.

Payment settles to your wallet

The customer pays over the Lightning Network or on-chain. Swiss Bitcoin Pay covers the Lightning-to-on-chain conversion fees, and the Bitcoin lands directly in the wallet you control.

You get a confirmation

PayInBTC.me emails you when the payment clears. Swiss Bitcoin Pay also sends monthly and yearly summaries with the fiat value of Bitcoin received, which helps at tax time.

What EU SMEs get from this pairing

Bitcoin you hold yourself

Payments settle non-custodially to your own wallet. No processor sits between you and your money, and no intermediary can freeze or reverse what has already arrived.

Lower fees than card processing

Card payments in Europe commonly cost 1.5% to 3% plus fixed per-transaction charges. A Bitcoin payment cuts most of that, and PayInBTC.me runs on a flat sats-based fee rather than a percentage of the sale.

Lightning and on-chain, both covered

Small everyday invoices settle instantly over Lightning; larger amounts can go on-chain. Swiss Bitcoin Pay handles the conversion between the two, so you accept both without thinking about which is which.

No chargebacks

Bitcoin payments settle and stay settled. For an SME selling to customers it does not know well, removing chargeback risk removes a source of unexpected reversals and disputes.

Your Holded setup is untouched

The integration adds a payment link and reads invoice data. It does not alter your templates, your chart of accounts, or your reconciliation routine in Holded.

Records that line up with tax reporting

Swiss Bitcoin Pay's monthly and yearly emails list the fiat value of each Bitcoin payment received. Paired with the invoices in Holded, that gives you a paper trail for accounting and declarations.

What it costs on a typical invoice

Take a €1,000 invoice paid by a European customer. Here is roughly how the payment cost compares across three methods.

Method	Cost on a €1,000 invoice	Notes
Card payment	€15 to €30	1.5% to 3% plus fixed per-transaction fees, common for EU card processing
Bank transfer	€0 to €5	Cheap, but manual to reconcile and slow across borders
Bitcoin via PayInBTC.me and Swiss Bitcoin Pay	About €1.50	Flat 1,500 sats per invoice on pay-per-use; Lightning and on-chain conversion fees covered by Swiss Bitcoin Pay

On this invoice, moving from card to Bitcoin takes the payment cost from around €15 to €30 down to roughly a euro and change. The gap widens as invoice volume grows.

Who this fits

Spanish SMEs already running on Holded

Businesses that keep invoicing and accounting in Holded and want to answer the occasional Bitcoin payment request without leaving the tool they know.

EU online shops with international customers

Stores selling across borders where card fees and currency handling add up, and where a Bitcoin payment settling straight to their wallet is cleaner than a card chain.

Service firms and agencies billing larger invoices

Consultancies and studios sending four-figure invoices, where shaving two to three percent off payment costs is real money and chargeback risk is unwelcome.

Businesses that want to hold Bitcoin

Owners who would rather keep a share of revenue in Bitcoin than convert everything to fiat. Non-custodial settlement means what they earn stays under their own keys.

Getting started

You need a Holded account and a Swiss Bitcoin Pay account. From there, PayInBTC.me handles the connection.

Create your Swiss Bitcoin Pay account and connect the wallet you want payments to settle to.
Register at payinbtc.me and link both your Holded and Swiss Bitcoin Pay accounts.
Turn on the Bitcoin payment link for the invoices you want to offer it on, then send one as a test.

The first month is free, so you can run a few real invoices through the setup before deciding whether it stays. Full setup instructions are at docs.payinbtc.me.

Get started free →

Frequently Asked Questions

Does this change how I create invoices in Holded?

No. You invoice in Holded exactly as you do now. PayInBTC.me adds a 'Pay with Bitcoin' link to the invoices you choose and reads the invoice details to build the payment. Your templates, numbering, and accounting entries stay as they are.

Does the payment only work over the Lightning Network?

No. Swiss Bitcoin Pay handles both Lightning and on-chain Bitcoin payments. Small everyday amounts settle quickly over Lightning, while larger payments can go on-chain, and the provider manages the conversion between the two.

Where does the Bitcoin end up?

In the wallet you control. Settlement is non-custodial, so Bitcoin goes directly from the customer through Swiss Bitcoin Pay to your own wallet. PayInBTC.me reads your Holded invoice data and passes the payment through, but never touches the funds.

Do I need to understand Bitcoin to use this?

The setup takes about five minutes and the payment flow runs on its own. Your customer handles the Bitcoin side when they pay. You will want a wallet to receive to, but you do not need to manage anything technical during a transaction.

Will paid invoices be marked as paid automatically in Holded?

Not yet. PayInBTC.me currently has read-only access to Holded and does not write back to it, so you mark the invoice as paid yourself after you get the confirmation email. Automatic reconciliation is on the roadmap.

What does it cost per invoice?

PayInBTC.me charges a flat 1,500 sats per invoice on pay-per-use, or 2,500 sats per month for unlimited invoices, or 25,000 sats per year. The first month is free. Swiss Bitcoin Pay covers the Lightning-to-on-chain conversion fees on the payments themselves.

Do I need to complete KYC to start accepting Bitcoin?

Swiss Bitcoin Pay does not require KYC identification to begin accepting payments, and setup takes about a minute. Requirements can vary depending on how you use the account, so check the current terms on their site before you rely on it for larger volumes.

Is this suitable for a business outside Spain?

Yes. Holded is used across Europe and Latin America, and Swiss Bitcoin Pay serves businesses in Europe and Switzerland. There are no geographic restrictions on the PayInBTC.me connection itself, so any Holded user can add a Bitcoin option to their invoices.

More questions? See our full FAQ →

Accept Bitcoin on Holded Invoices with Swiss Bitcoin Pay