The best crypto invoicing tools make paying the invoice as easy as a card payment for the client and make reconciliation automatic for you. Request Finance leads for accounting sync, CoinGate and BitPay lead for fiat settlement, and PassimPay is the strongest low fee option for QR invoices.
We judged each tool on the full invoice cycle: how you create and send a crypto invoice (email, link or QR code), whether the rate is locked, which currencies and stablecoins the payer can use, whether you can settle in fiat, whether recurring invoices are supported, and how payments flow into accounting through Xero, QuickBooks or exports. A tool that is easy to send from but leaves you matching wallet transactions by hand scored lower.
1. Request Finance — Unlimited Stablecoin Invoices With Xero And QuickBooks Sync
Request Finance is built around the invoice. Even on the free plan you can send unlimited invoices in stablecoins or fiat and export them to CSV, and paid plans add a business account with virtual IBANs, batch payments and payouts to more than 190 countries over bank or stablecoin rails. Clients can pay from a crypto wallet or a bank account.
The Growth plan adds QuickBooks Online and Xero integrations, automated reconciliation and approval workflows, and Enterprise adds NetSuite and multi entity setups. That makes it the most complete crypto invoicing software here for finance teams.
What stands out:
Unlimited invoices on a free plan
Native Xero, QuickBooks Online and NetSuite integrations
Clients can pay by wallet or bank transfer
Best for: Crypto native agencies, contractors and startups that invoice clients in stablecoins and need clean accounting.
Pricing: Free plan for invoicing. Starter $50 per month, Growth $300, Pro $600, Enterprise custom. Bank off ramp 1% plus fixed fee on Starter, 0.5% plus fixed fee on Growth and Pro.
2. CoinGate — Itemized Recurring Bills With Fiat Settlement
CoinGate’s billing product lets you request crypto payments without building a checkout. You add itemized products or services, choose a saved contact and set an expiration date, then send the bill by email or as a secure link for chat, CRM or support channels. Payers do not need a CoinGate account, only a compatible wallet, and can choose from more than 10 cryptocurrencies including BTC, ETH, USDC and LTC.
Bills can recur weekly or monthly with a start and optional end date, which few crypto invoicing tools support. You can settle in crypto, stablecoins or EUR, GBP or USD through real time conversion, track paid, pending and canceled bills in the dashboard and export records, or use the API to automate sending and reconciliation. CoinGate is a MiCA licensed provider in Lithuania.
What stands out:
Weekly and monthly recurring bills
Saved products and contacts for itemized invoices
MiCA licensed with fiat settlement
Best for: EU businesses with retainer or subscription clients who want to invoice in crypto and receive euros.
Pricing: 1% per processed transaction with no monthly fee. Manual conversion 1%, refunds 0.25 EUR plus 0.1%.
3. BitPay — Emailed Crypto Invoices With Next Day Bank Deposit
BitPay’s billing tool is a crypto invoice generator that emails an invoice to your client, with no coding, wallets or crypto handling needed on your side. The client pays at a locked exchange rate from practically any self custody or exchange wallet, in more than 100 cryptocurrencies including bitcoin, Ethereum, Solana and USDC.
BitPay then converts the payment to your local currency and deposits it in your bank account the next business day, in 38 countries and currencies such as USD, EUR and GBP. You can also keep part or all of it in crypto. BitPay is licensed by the New York State Department of Financial Services, which helps when clients’ finance teams ask who is processing the payment.
What stands out:
Locked exchange rate for the payer
Next business day bank deposit
More than 100 payable cryptocurrencies
Best for: US and international service businesses that want to accept crypto on invoices but receive only fiat.
Pricing: Processing fees tiered by monthly volume: 2% plus 25 cents under $500,000, down to 1% plus 25 cents above $1 million.
4. PassimPay — QR Code Invoices With Flat 0.5% Pricing
PassimPay is a B2B crypto payment gateway operated from Poland by PASSIMPAY GLOBAL sp. z o.o. Alongside its API and CMS plugins, it lets businesses send payment invoices by email or messenger, each with a QR code the client can scan from a mobile wallet. Payment links and static deposit addresses cover clients who prefer to pay without opening an invoice page.
The client can pay in any of more than 70 supported coins, and the business can auto convert receipts to stablecoins to avoid price swings, then convert to EUR and withdraw over SEPA as a legal entity. KYC and AML screening runs on every account, the dashboard includes reports and analytics, and each client gets a dedicated account manager. Accounting integrations are not listed, so plan on exporting reports.
What stands out:
One flat 0.5% fee on paid invoices
Invoices delivered by email or messenger with QR codes
Stablecoin auto conversion and EUR payout over SEPA
Best for: Businesses that invoice international clients in crypto and want the lowest flat fee with EUR settlement.
Pricing: Flat 0.5% on accepted payments. Automatic conversion listed at 0.2%. No registration or maintenance fees.
5. Coinbase Business — USDC Invoices And Payment Links For US And Singapore
Coinbase Business includes invoicing and payment links alongside payouts and a stablecoin business account. It is available to companies in the US and Singapore, and payments land in the Coinbase Business account in USDC within seconds, with conversion to USD and bank withdrawal available at any time.
Coinbase says the platform integrates with common accounting software and exports tax reports, though it does not name specific packages on its public pages. USDC balances earn rewards, which varies by region, so a business that keeps invoice receipts in USDC earns on them until it withdraws. The fit is narrower than other tools here: it is USDC centered and limited to two countries.
What stands out:
Invoice receipts settle in USDC within seconds
Rewards on USDC balances
Payouts and invoicing in one business account
Best for: US and Singapore businesses whose clients already pay in USDC.
Pricing: A fee on each completed payment, shown inside the account. Not published on the public site.
6. NOWPayments — Invoice Links Payable In 350+ Currencies
NOWPayments, launched in 2019 by the team behind ChangeNOW, lets merchants create a crypto invoice instantly and share it as a ready to use payment link. Its main advantage for invoicing is payer choice: the client can pay in any of more than 350 currencies, which helps when clients hold smaller tokens rather than major stablecoins.
Invoices support both fixed and floating rates, status updates arrive instantly, and the business can receive fiat in a bank account through the off ramp. Recurring billing is handled by a separate subscriptions product. NOWPayments does not list accounting integrations, so reconciliation relies on exports and its API.
What stands out:
350+ payable currencies
Fixed or floating rate invoices
Separate subscriptions product for recurring billing
Best for: Businesses with crypto native clients who want to pay in a wide range of tokens.
Pricing: Standard 1% service fee, with custom offers as low as 0.3%. Network fees are extra.
7. Triple-A — Licensed Stablecoin Invoices With Named IBAN Accounts
Triple-A’s Business Payments product lets companies send payment links and invoices to collect stablecoins. It is backed by a Major Payment Institution licence from the Monetary Authority of Singapore, a payment institution licence in France through Paytop SAS, US money transmitter licences in various states and Canadian registrations.
Receipts can stay in stablecoins or settle to local currency, and multicurrency accounts come with a named IBAN for receiving fiat. Triple-A also pays out in more than 30 local currencies across 70+ countries, so a business can collect stablecoin invoices and pay suppliers from the same account. It does not hold digital currency on its own balance sheet.
What stands out:
Licensed in Singapore, the EU, the US and Canada
Named IBAN multicurrency accounts
Collect and pay out from one account
Best for: Mid size and enterprise businesses that need a heavily regulated counterparty for stablecoin invoicing.
Pricing: Custom pricing, not published.
8. Plisio — Invoices By Email, SMS Or Messenger With QR Codes
Plisio lets you create invoices directly from your account, without setting up a store or integration first. Invoices can be sent by email, SMS or messenger and include a QR code for instant payment, and you can track each one through to payment.
It charges one flat 0.5% fee with no monthly or setup costs, and supports a focused list of major coins and stablecoins. Plisio also offers batch payouts of up to 1,000 transactions, which suits businesses that collect from clients and then pay subcontractors. It does not describe fiat bank settlement or accounting integrations on its site.
What stands out:
No store or integration needed to start invoicing
Delivery by email, SMS or messenger
Flat 0.5% fee
Best for: Freelancers and small agencies that want to invoice in crypto quickly at low cost.
Pricing: Flat 0.5% per transaction, no monthly or setup fees.
9. Bitwage — Invoice Management Linked To Crypto Payroll
Bitwage, operating since 2014 out of San Francisco, is best known for crypto payroll but also offers invoice management, expense management and automated accounting. That makes it a fit for contractors and businesses whose invoicing and payroll run together, since an approved invoice can be paid out in crypto, stablecoins or local currency in nearly 200 countries.
Gemini acts as Bitwage’s custody and exchange provider, and companies can fund payments in crypto. Bitwage is less of a standalone invoice tool than Request Finance or CoinGate, so it suits teams already using it for payroll who want invoices in the same system.
What stands out:
Invoices and payroll in one platform
Payouts in crypto, stablecoins or local currency
Gemini custody partner
Best for: Companies paying international contractors who submit invoices and want to be paid partly in crypto.
Pricing: Custom pricing, not published on the main site.
10. BTCPay Server — Free Self Hosted Bitcoin Payment Requests
BTCPay Server is free, open source software for receiving bitcoin directly to your own wallet. Its payment requests work as long lived invoices: you set an amount in fiat or crypto, share the URL, and the request stays open until it is paid in full or reaches an optional expiry date.
Clients pay at the exchange rate at the time of payment, so neither side has to agree a rate in advance, and you can allow partial payments. BTCPay creates a new address for every payment, and you can print requests or export invoice data for accounting. There is no fiat settlement, so you hold the bitcoin you receive.
What stands out:
No processing fee or third party custody
Fiat denominated requests with partial payments
Exportable invoice data
Best for: Bitcoin focused freelancers and businesses that want to invoice in crypto with no intermediary.
Pricing: Free software with 0% processing fees. Hosting and network fees are your own cost.
How To Choose A Crypto Invoicing Tool
How Easy Is It For The Client To Pay?
Most failed crypto invoices fail on the payer side. Look for a payment link or QR code, a locked or clearly shown exchange rate, and support for the wallets your clients use. Tools that also accept bank transfer, like Request Finance, remove the problem for clients who do not hold crypto.
Do You Want To Receive Fiat Or Keep Crypto?
If you report in euros or dollars, choose a tool that converts and deposits to your bank, such as BitPay, CoinGate or PassimPay. If you want to keep stablecoins, Coinbase Business and Triple-A hold balances for you. BTCPay Server and Plisio leave you holding what the client sent.
Does It Connect To Xero Or QuickBooks?
Crypto invoicing software is only as good as its reconciliation. Request Finance offers native Xero and QuickBooks Online integrations with automated reconciliation. Most other tools rely on CSV exports or an API, which works but takes more finance time each month.
Can You Send Recurring Invoices?
Retainers and subscriptions need recurring billing. CoinGate supports weekly and monthly recurring bills, and NOWPayments has a separate subscriptions product. Otherwise you will be recreating each crypto invoice by hand.
What Will Each Paid Invoice Cost?
Fees range from 0% on self hosted BTCPay Server to a flat 0.5% on PassimPay and Plisio, 1% on CoinGate and NOWPayments, and up to 2% plus 25 cents on BitPay’s entry tier. Add conversion and withdrawal fees before comparing, and check whether network fees are passed to you or the client.
Is The Provider Licensed?
Clients with compliance teams may ask who processes the payment. CoinGate holds a MiCA authorization, BitPay is NYDFS licensed and Triple-A is licensed in Singapore, the EU and the US. A licensed provider makes it easier to invoice in crypto to larger clients.
Conclusion
The best crypto invoicing tools in 2026 make payment easy for the client and reconciliation automatic for you. Request Finance is the most complete option for teams that live in Xero or QuickBooks, CoinGate is the pick for recurring bills with fiat settlement, BitPay suits businesses that want only fiat in the bank, and PassimPay offers QR invoices at a flat 0.5%.
Before switching, send a test crypto invoice to yourself, pay it from a normal wallet and follow it through to your accounting records. That single test shows more about a tool than any feature list.
