Merchant Howto

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It has been suggested that this article is merged with How to accept Bitcoin, for small businesses.

Accepting Bitcoins is easy, and there are several ways to do it.


  1. Download a bitcoin client
  2. When a customer wants to buy something, send them a Bitcoin address where their payment should be sent.
    • You can do this by clicking "New.." next to your address in the Bitcoin client and sending that address to the customer.
  3. When payment comes in to that address, send the goods to your customer. Depending on the value of what you're selling, you may wish to wait until the payment shows Confirmed.
  4. To issue a refund, obtain from the customer the bitcoin address where the refund payment should be sent. The refund address will likely be different from the address used when the customer sent payment, especially if an EWallet was used by the customer.


Pre-generating Bitcoin addresses

You can accept Bitcoins on your website without needing to use Bitcoin APIs or third party services if you pre-generate a large number of receiving Bitcoin addresses and store them in a database on your web server, and dispense them one-by-one to customers when they are ready to pay. This way, your web server never actually handles the bitcoins - it simply gives out addresses belonging to a wallet you maintain elsewhere. By using a unique address per order, you will always know which payment belongs to which order. Example of website using this method

To pre-generate addresses, use a tool such as Pywallet (which can generate a wallet.dat file) or Bitcoin Address Utility (which can generate a CSV file). In both cases, you will be generating a list of Bitcoin addresses along with their corresponding private keys. Only the Bitcoin addresses (not the private keys) should be loaded on the web server.

If you are shipping goods manually, you can use the Bitcoin software to check for incoming payments, or alternately consider using Block Explorer or Abe to verify payment when you're about to ship. To make this easy, make your website provide you a full hyperlink that includes the proper receiving address:

If you are delivering digital goods or services and want to be able to deliver instantly upon payment and/or confirmation, you can use a third-party service such as Bitcoin Notify to tell your website when a payment has been received. This sort of service requires no significant API implementation - they will simply make a POST to your website or send you an e-mail when a payment has been received on one of your addresses.

If you keep Bitcoins off your web server, this ensures your wallet cannot be stolen if your web server experiences a security intrusion. Your risk becomes limited to the possibility that a successful intruder could add his own addresses to your address pool and steal funds from a few incoming orders until you detect the problem, however, this is a relatively controllable risk.

Using offchain payment networks

Off chain networks provides various benefits to Bitcoin, such as instant confirmations and protection against double spending.

Using a third-party plugin

You can use an existing shopping cart interface from a 3rd party to automatically handle all Bitcoin payments on your website. If you want to develop the system yourself, you can utilize the Bitcoin client's JSON-RPC API to automatically accept payments.

Things to note if you build it yourself:

  1. When a customer orders something on your website it records:
    • Bitcoin address that payment should be sent to
    • Order details (delivery address etc.)
    • Customer's refund address (optional - if you wish you can ask for this later, only in cases a refund is required)
    • Payment amount
  2. When payment arrives, checks that they have paid the correct amount or not, and informs you
    • You dispatch the goods to the customer and mark the order as fulfilled
    • If you cannot dispatch the goods you mark the order as denied and ask the customer for a refund address (unless you already have it from earlier) to send a refund.
  3. Forwards the funds to bitcoin address of your choice

If You have a retail business and do not have internet or smart phone

You can still accept Bitcoin. [1] has a very simple way to accept bitcoin with just a print out and a phone that gets sms text messages.

Accept Bitcoin without internet

Businesses that mail invoices

Does your business send out invoices to customers? Adding one line may make a huge impact for the Bitcoin economy. Perhaps you list it as a payment option just after Visa, MasterCard, and American Express, even if that means your customer must call or e-mail to make a payment. However it is possible to create automated invoices by using known payment systems supporting invoicing, and recurring invoice setup.

Common Errors

It has been observed on occasion that a business funnels all its orders through the same Bitcoin address, and asks people to send some BTC, then send email describing the timing and the amount of the transaction to 'claim' it. This is not secure, since anyone can see the transaction details using a tool such as Block Explorer, and then try to claim someone else's transaction as theirs.

Do not do this. Give each customer a unique Bitcoin address.

Listing your business on the Bitcoin Trade page

Anyone can add and update a listing on the trade page. Just register if you haven't and add to the appropriate category. If you'ld like assistance, perhaps someone in the #bitcoin-marketing IRC channel would be willing to assist. If you have a brick and mortar business that accepts bitcoin you can add it to the bitcoin directories. [2] [3]


  • Bitfavicon.png Bitcoinpaygate Bitcoin payment processing for the web & in store payments
  • BitcoinPay Merchant solution for Bitcoin specialized in Middle Europe (Germany, Poland, Slovakia, Czech republic)
  • BitKassa Merchant solution for accepting bitcoins, getting euro's. No fee. The Netherlands.
  • BitPay Merchant solutions for Bitcoin
  • BitPagos Payments Gateway for Latin America
  • Coinbase Offers payment buttons, pages, iframes, shopping cart integration, subscription/recurring billing, micro-transactions, and cash out to your local currency for 1%.
  • CoinCorner blue logo.png CoinCorner - Integrate CoinCorner Checkout in to your eCommerce business using a simple plugin or the API for Bitcoin Payments. Point of Sale solution also available that allows physical retailers to easily accept bitcoin and automatically convert that to fiat, removing the risk of holding bitcoins.
  • CoinGate Accept Bitcoin payments and receive payouts in Euros, U.S. Dollars or bitcoins. E-commerce plugins, API, Point of Sale app for Android / iOS / web, payment buttons.
  • Cryptopay Bitcoin merchant payment processing. UK-based, serving UK and EU clients.
  • DC POS A Bitcoin browser-based Point-of-Sale app. It is hardware, OS, wallet, and browser agnostic. 0.5% transaction fee.
  • Coinify Merchant solutions for Bitcoin
  • FraudLabs Pro Fraud screening service for online merchants. Support transactions using Bitcoin as payment method.
  • Gocoin-logo.png GoCoin International Payment Processing for Bitcoin
  • Bitcoin Payment Gateway with ready to use php scripts - Pay-Per-Download, Pay-Per-Product, Pay-Per-Registration.
  • Rocketr.png Rocketr - Sell digital products online and accept BTC, ETH, and more. Utilize their IPN/API for seamless integration into your website or app.
  • Spicepay-bitcoin-payment-gateway-96x96.png SpicePay Accept Bitcoin for payments at this bitcoin processor that targets Europe, Russia and Latin America.
  • XBTerminal Brick-and-mortar hardware POS terminals with payment processing integrations.

See Also