QuickBooks + CoinGate | Accept Bitcoin & Stablecoins on Invoices

You've considered accepting Bitcoin on your QuickBooks invoices. The fees are lower, the settlement is faster, and the chargebacks are nonexistent. But there's one objection you can't get past, and it's the same one your clients have: volatility. What if Bitcoin drops 8% between the moment your client clicks "pay" and the moment you convert it? What if it swings the other way and your client feels they overpaid?

That objection disappears when your clients can pay with stablecoins. USDC is a digital dollar issued by Circle, backed 1:1 by US dollar reserves and fully audited. Think of it as a dollar that moves on blockchain rails instead of bank rails: same value, faster settlement, lower cost. Your client sends $5,000 in USDC, you receive $5,000 in value. Not $5,000 minus whatever Bitcoin did in the last ten minutes. Exactly $5,000. The same certainty as a bank wire, but settling in seconds instead of days and costing a fraction of a cent instead of $35.

CoinGate is the only payment provider in the PayInBTC.me ecosystem that supports this. While other providers are Bitcoin-only or Lightning-only, CoinGate accepts Bitcoin, USDC, Ethereum, Litecoin, and 70+ other cryptocurrencies, and settles in EUR, USD, GBP, or stablecoins. When you connect QuickBooks to CoinGate through PayInBTC.me, you're not just adding Bitcoin as a payment option. You're adding an entire spectrum of digital currencies, including the ones that behave exactly like the dollar your books are denominated in.

Why CoinGate Is Different from Every Other Provider on This List

The Stablecoin Advantage, and Why It Matters for Business

Every other payment provider in the PayInBTC.me ecosystem (Strike, BTCPay Server, LNbits, Speed, Swiss Bitcoin Pay, Lightning Checkout) accepts Bitcoin. Some do it beautifully. But they all share one limitation: your client must hold Bitcoin to pay, and you receive Bitcoin. That works for crypto-native businesses and clients who are comfortable with price fluctuations. It doesn't work for the CFO who needs to explain to the board why last month's receivables changed value by 12% before they could be converted. CoinGate solves this by supporting stablecoins alongside Bitcoin. USDC maintains a constant $1.00 value, unlike Bitcoin, whose price fluctuates based on market supply and demand. When a client pays a $10,000 invoice in USDC, they send exactly 10,000 USDC, which equals exactly $10,000. No conversion math, no fluctuation, no anxiety on either side.

70+ Cryptocurrencies, One Checkout Page

Beyond stablecoins, CoinGate supports Bitcoin (including Lightning Network), Ethereum, Litecoin, Dogecoin, BNB, and dozens more. When your client clicks the payment link on your QuickBooks invoice, they see a checkout page where they choose which cryptocurrency to pay with. A client in Silicon Valley might pay in USDC. A Bitcoin maximalist in Miami pays in BTC. A DeFi developer in Berlin pays in ETH. You don't need to set up separate integrations for each. CoinGate handles all of them through a single connection.

Settle in the Currency You Want

CoinGate doesn't force you to hold crypto. You configure your preferred settlement currency once (EUR, USD, GBP, or stablecoins), and every incoming payment, regardless of which cryptocurrency the client used, is automatically converted and settled in your chosen currency. Your client pays in Litecoin? You receive euros. They pay in USDC? You receive dollars. CoinGate handles all the blockchain complexity behind the scenes. You see a payment notification, a confirmed amount in your settlement currency, and a transaction record. The fact that it moved on Ethereum, Polygon, or any other network is entirely invisible to you.

How the QuickBooks + CoinGate Integration Works

Setting up takes about five minutes. No coding, no crypto expertise required.

Connect QuickBooks

Register at PayInBTC.me and link your QuickBooks Online account using secure OAuth 2.0. PayInBTC.me gets read-only access to your invoices: it reads amounts, currencies, and invoice numbers but never modifies your books.

Connect CoinGate

Link your CoinGate merchant account as the payment provider. If you don't have one yet, creating a CoinGate account is free at coingate.com. During setup, configure your preferred settlement currency (EUR, USD, GBP, or stablecoins).

Add the payment link to your invoices

PayInBTC.me generates a payment link that you add to your QuickBooks invoice template. QuickBooks supports template variables, so each invoice automatically gets a unique payment link.

Send invoices as usual

Create and send invoices through QuickBooks exactly the way you always do. The crypto payment option appears alongside your existing payment methods.

Client chooses how to pay

When a client clicks the payment link, PayInBTC.me reads the invoice amount from QuickBooks and redirects to a CoinGate checkout page. The client sees the invoice total and chooses their preferred cryptocurrency: USDC, Bitcoin, Ethereum, or any of 70+ supported assets. They pay, it settles in seconds, CoinGate converts to your chosen currency, and you get an email confirmation.

Why This Changes the Conversation About Crypto Payments

Eliminate the Volatility Objection, Completely

The number one reason businesses hesitate to accept cryptocurrency is price volatility. With CoinGate, your clients can pay in USDC, a stablecoin pegged to the US dollar. $5,000 sent is $5,000 received. No price swings, no conversion anxiety, no explaining to your accountant why the receivable changed value overnight. And clients who prefer Bitcoin? CoinGate locks the exchange rate at the moment of payment, minimizing exposure to seconds rather than hours or days.

Reach More Clients Than Bitcoin-Only Providers

Not every crypto-holding client holds Bitcoin. Ethereum users, stablecoin treasuries, and businesses that keep operational funds in USDC can all pay your invoices through CoinGate. A Bitcoin-only payment provider misses these clients entirely. With CoinGate's 70+ supported assets, virtually anyone holding any major cryptocurrency can pay you. Increasingly, clients who already hold USDC find it faster and cheaper to pay an invoice in stablecoins than to go through the traditional banking system.

Automatic Fiat Settlement: You Don't Have to Touch Crypto

If you want to accept crypto payments but receive traditional currency, CoinGate handles the conversion automatically. Configure settlement in EUR, USD, or GBP, and every incoming payment, regardless of which cryptocurrency the client used, arrives as fiat in your CoinGate balance. From there, withdraw to your bank via SEPA or SWIFT. You get the benefits of crypto payments (speed, low fees, no chargebacks) without ever holding a single satoshi. You don't need to understand blockchain. CoinGate manages the technical complexity on your behalf.

MiCA-Licensed and Audit-Ready

CoinGate is one of the first MiCA-licensed crypto payment gateways in the EU. It follows strict KYC and anti-money-laundering requirements and holds PCI DSS Level 1 certification. For QuickBooks users who need to justify a new payment channel to a partner, investor, or auditor, this regulatory standing matters. CoinGate also provides detailed transaction records, including CSV exports, account statements, and structured reporting, that feed directly into your bookkeeping process.

Lower Fees Than Credit Cards

CoinGate charges a flat 1% transaction fee with no setup costs and no monthly subscription on their end. Compare that to credit card processing at 2.9% + $0.30 per transaction. For a business processing $200,000 in annual invoices, that's $3,800 in annual savings on processing fees alone, before accounting for eliminated wire transfer costs and chargeback losses.

Zero Chargebacks on All Crypto Payments

Whether a client pays in Bitcoin, USDC, or Ethereum, all cryptocurrency transactions are final and irreversible. No disputes filed 30 days later. No funds clawed back after you've already delivered the work. This applies equally to volatile assets like Bitcoin and stable assets like USDC. Once the blockchain confirms the payment, it's yours.

The Cost Comparison: Traditional vs. CoinGate

For a US business invoicing $200,000 per year:

Cost Factor	Credit Cards (2.9% + $0.30)	CoinGate via PayInBTC
Processing fees	~$5,800/year	~$2,000/year (1% flat)
International wire fees (15 wires/year)	~$600/year	$0/year
Chargeback losses (est. 0.8%)	~$1,600/year	$0/year
PayInBTC annual plan	n/a	~$25/year
Total payment costs	~$8,000/year	~$2,025/year

A 75% reduction in payment costs. And if your clients pay in stablecoins, you eliminate exchange rate risk entirely, something credit card processors can't offer on international transactions either.

Who Benefits Most from Stablecoin Invoicing?

Businesses with crypto-holding clients who are risk-averse

Your clients hold USDC or other stablecoins in their treasury, but you've been hesitant to accept crypto because of volatility. With CoinGate, stablecoin payments give both sides price certainty. Your client pays from their digital wallet, you receive a dollar-equivalent amount. No one takes on exchange rate risk.

Service providers to Web3 and crypto companies

Marketing agencies, law firms, accounting practices, and consultancies serving blockchain companies often hear "can we pay in crypto?" from their clients. CoinGate lets you say yes, and by accepting USDC alongside Bitcoin, you accommodate clients who keep operational funds in stablecoins, which is increasingly the norm in the crypto industry.

International businesses tired of wire transfer friction

A client in Singapore paying a US invoice via SWIFT costs both parties time and money. That same client sending USDC settles in seconds for near-zero fees. For businesses with significant cross-border invoicing, stablecoins are a practical alternative to international banking: faster, cheaper, and available 24/7.

QuickBooks users who want crypto payments without holding crypto

CoinGate's auto-settlement to fiat means you never have to hold, manage, or even think about cryptocurrency. Clients pay in whatever crypto they prefer, CoinGate converts it instantly, and you receive USD, EUR, or GBP. You get the operational benefits of crypto payments with the simplicity of traditional currency in your bank account.

Getting Started

Adding stablecoin and crypto payments to your QuickBooks invoices takes three steps:

Register at payinbtc.me/register. Your first month is free, no credit card required.
Connect QuickBooks and CoinGate through the PayInBTC.me setup wizard. Set your preferred settlement currency in CoinGate (EUR, USD, GBP, or stablecoins).
Add the payment link to your QuickBooks invoice template and send your next invoice. Your clients can now pay in USDC, Bitcoin, Ethereum, or any of 70+ supported cryptocurrencies.

Start with the pay-per-invoice plan (1,500 sats per invoice, approximately $1.50) to test client adoption. Upgrade to unlimited whenever it makes sense. Full pricing at payinbtc.me.

Get started free →

Frequently Asked Questions

Which cryptocurrencies can my clients pay with?

CoinGate supports 70+ cryptocurrencies including Bitcoin (on-chain and Lightning), Ethereum, USDC, Litecoin, Dogecoin, BNB, and many more. Your client sees a checkout page where they choose their preferred asset. The full list is available in the CoinGate merchant dashboard.

What is USDC and why would my clients use it instead of a bank transfer?

USDC (USD Coin) is a digital dollar issued by Circle, backed 1:1 by US dollar reserves and regulated under the EU's MiCA framework. Each token is worth exactly $1.00. Clients use it because a USDC payment settles in seconds and costs a fraction of a cent in network fees, compared to an international wire that takes 2 to 7 business days and costs $25 to $45. For clients who already hold USDC, paying an invoice is faster and cheaper than going through the banking system.

If my client pays in USDC, do I receive USDC?

That depends on your settlement preference. You can configure CoinGate to settle in USDC (keeping the stablecoins), convert to EUR, USD, or GBP (receiving fiat), or hold in another stablecoin. The choice is yours, and you set it once during setup.

What's the difference between USDC and USDT?

Both are US dollar-pegged stablecoins. USDC is issued by Circle and is fully MiCA-compliant in the EU, with regular reserve audits. USDT (Tether) has faced regulatory limitations in the EU under MiCA. CoinGate supports both where available, but for EU-based businesses, USDC is the recommended path. Outside the EU, USDT remains widely used.

Is there still price volatility if my client pays in Bitcoin?

CoinGate locks the exchange rate at the moment of payment. The checkout page shows the exact BTC amount, and your client has a limited window to complete the transaction at that rate. If you also configure auto-settlement to fiat, CoinGate converts the received BTC to your chosen currency immediately. This minimizes volatility exposure to seconds rather than hours or days.

Can I accept stablecoins without also accepting Bitcoin?

Yes. You can configure which assets to accept in your CoinGate merchant settings. If you prefer to only offer stablecoins at checkout, you can restrict the visible options to USDC and other stablecoins.

Does this change anything in my QuickBooks?

PayInBTC.me only reads invoice data from QuickBooks. It never writes back or modifies your books. When a payment is received, you get an email notification with full transaction details (amount, cryptocurrency used, exchange rate, timestamp). You record the payment manually in QuickBooks. Automatic reconciliation is planned for a future release.

What are the fees?

CoinGate charges a flat 1% transaction fee with no setup costs and no monthly subscription on their side. PayInBTC.me plans are separate: pay-per-invoice at 1,500 sats (~$1.50), monthly unlimited at 2,500 sats (~$2.50/month), or annual unlimited at 25,000 sats (~$25/year). First month is free.

How long does settlement take?

Crypto-to-crypto settlement (including stablecoins) is instant. Fiat settlement to your bank account via CoinGate typically takes 1 to 3 business days through SEPA or SWIFT, depending on your bank.

More questions? See our full FAQ →

QuickBooks + CoinGate: Accept Bitcoin, USDC, and Stablecoins on Your Invoices. Zero Volatility, Zero Hassle