Practical guides for developers and businesses accepting cryptocurrency — security, integration, architecture, and operations.
TON settles in seconds for about a cent, which makes it one of the few chains where a $3 digital sale still adds up. Here is how to accept TON payments and USDT on TON without a private key ever touching your server.
To accept USDT payments on your website, you generate a receiving address on the network your customer wants to pay from — usually Tron (TRC-20) for the lowest fees — price the invoice in fiat, and confirm the payment on-chain before you release the goods. The catch most people miss: USDT is not one asset. It's the same dollar-pegged token issued on several different blockchains, and the network you pick decides whether a $20 payment costs the payer a cent or ten dollars in gas.
You can invoice a client anywhere in the world and get paid in crypto to your Payora balance — usually in minutes, with no bank in the middle and no chargeback risk. Here's exactly how a freelancer bills international clients in Bitcoin or USDT.
To accept crypto donations like "Buy Me a Coffee" you need a hosted checkout with preset and custom amounts, clear settlement settings, and a shareable link — and with Payora it is 0% to accept, with a stated commission on the donation page itself.
Crypto subscriptions don't work like card subscriptions — there's no auto-charge. Real recurring crypto payments are prepaid access periods: pay, get access until a date, then stack another period on the next payment.
Most crypto payment fees come from two separate places that people constantly confuse: the gateway (platform) fee your processor charges, and the on-chain network (gas) fee the blockchain charges. Reduce them independently — pick a 0%-to-accept gateway to reduce the platform cut, then choose the right network to shrink gas.
Every time a customer pays you through Coinbase Commerce, BitPay, or a similar hosted processor, you hand over a percentage of your revenue, expose your order data to a third party, and accept that your account can be suspended without notice. There is a better way.
A payment webhook arrives at your server claiming an order has been paid. Do you trust it? If you credit the order based on the HTTP call alone — without verifying a cryptographic signature — you have just handed attackers a free way to mark any order as paid.
The crypto payment gateway market includes hosted services that handle operations for you, self-hosted software you run on your own server, and hosted balance-first gateways such as Payora. Neither is universally better — the right answer depends on operations, custody, support, and compliance needs.
The single biggest security risk in any cryptocurrency payment system is private key exposure. If the server that monitors incoming payments can also spend those funds, a single breach means total loss. Direct-settlement architecture can reduce this risk — and the mechanism behind it, HD wallet key derivation, is elegant enough to be worth understanding.
Paying users, affiliates, or contractors in cryptocurrency sounds straightforward until you have to do it at scale. A hundred manual wallet transfers is not a workflow — it is an error-prone all-day job. Automating it carelessly, on the other hand, means a hot wallet with enough funds to be a meaningful target. There is a middle path.
Create an account and have your first invoice running in under an hour.
