Crypto payments,
straight to your wallet.

Spend.gg is a non-custodial payment gateway. Your customers pay on-chain and the funds land in your wallet — never ours. One flat fee of 0.8%, invoiced monthly.

Start accepting payments See how it works →

A payment rail with nobody in the middle.

Your customer's wallet pays yours. We sit on the path, watch the chain, and never hold a cent.

Customer wallet sends payment

Spend.gg non-custodial · watches only

Your wallet receives funds

Create an invoice

Drop in our snippet or call one REST endpoint. We derive a one-time address from your xpub — we never see the private key.

Customer pays on-chain

They scan, sign, and broadcast. The transaction moves from their wallet to the derived address you control. We watch the mempool and confirm in real time.

You hold the money

That's it. The payment is the settlement, because we were never on the path. Our 0.8% is invoiced separately, once a month.

Drops into any stack.

One REST endpoint mints an invoice. Pass your xpub once; we derive a fresh address per payment. Webhooks deliver the confirmed transaction.

Read the API reference →

create-invoice.sh

# Create a $59.99 USDC invoice paid directly to your wallet
curl https://api.spend.gg/v1/invoices \
  -H "Authorization: Bearer $SPEND_KEY" \
  -d '{
    "amount":   59.99,
    "asset":    "USDC",
    "to_xpub":  "xpub6CUGRUo..."
  }'

# → returns a payment URL + on-chain address
{
  "id":      "in_8Hn3kQ2",
  "address": "0x4A8F...c12",
  "status":  "awaiting_payment"
}