How do e-commerce and SaaS services accept cryptocurrency?

Introduction

The acceptance of cryptocurrencies in e-commerce and SaaS has ceased to be something experimental. By 2025, this has become a mature practice, used by both international corporations and local services. And it's not just about the trend.

Payment with cryptocurrency in Russia and beyond gives businesses real benefits: reduced costs, access to an international audience, protection from banking restrictions.

In this article we will tell you

• why it is worth accepting cryptocurrency in online business;

• how this is implemented in e-commerce and SaaS;

• which methods — API, invoices, widgets — provide the greatest effect;

• and how to avoid pitfalls: from regulation to technical reliability.

Why businesses are increasingly switching to cryptocurrency

For most online service owners, payment in cryptocurrency is becoming a logical step.

Reasons:

• Fast international transactions without the involvement of banks;

• Low fees compared to traditional payment systems;

• No chargebacks;

• The ability to accept USDT, Bitcoin, Ethereum, and other coins 24/7;

• Protection from sanctions and currency restrictions.

The question of “what can be paid with cryptocurrency in Russia” has long ceased to be rhetorical. The answer is almost everything: from SaaS subscriptions to digital goods and courses.

What e-commerce companies choose

Online stores most often choose:

• Payment widgets with QR code generation;

• Automated invoices with notifications of receipt;

• Direct integration via crypto processing API;

• The ability for automatic conversion of funds into fiat.

Payment solutions supporting cryptocurrency payments in Russia, especially in USDT, are in high demand. This is related to its stability and ease of withdrawing USDT to a card.

Case: e-commerce platform for digital goods

After implementing accepting cryptocurrency on the website, conversion on the checkout pages increased by 23%. The main influx came from CIS countries, Asia, and the Middle East. Clients began to use Bitcoin, Ethereum, and USDT to avoid losses from bank fees.

How the SaaS industry adapts to crypto payments

SaaS services require automation and flexibility:

• Cryptocurrency subscription payments via smart invoices;

• Integration into billing systems via REST API;

• Support for payment notifications (webhooks);

• Real-time transaction verification on the blockchain.

Most solutions include the function to check the crypto wallet, ensure the funds have arrived, and grant access to the service — automatically.

Which cryptocurrencies are used most often

The most popular currencies:

• USDT (on Tron and Ethereum networks);

• Bitcoin (BTC);

• Ethereum (ETH);

• BNB, Toncoin, LTC — depending on the audience.

How to withdraw USDT is one of the most frequent search queries in commercial segments. This is why most businesses offer withdrawing USDT to a card or link crypto payments to stablecoins.

What is needed to connect crypto payments

1. Registration with a crypto processing service

Choose platforms that support:

• API integration;

• AML/KYC services;

• Flexible invoice settings and webhooks.

2. Integration into the website

Options:

• Cryptocurrency payment widget;

• Generated invoice with QR code;

• Integration with CMS (Shopify, WooCommerce, Tilda, etc.);

• REST API for custom developments.

3. AML and security

Many services support address and transaction checks, for example:

• check Bitcoin wallet for cleanliness;

• check BTC transaction via txid;

• track status: how to check cryptocurrency transaction.

This is especially important in countries where cryptocurrency is legal but requires compliance with legal norms.

And what about the law?

Most businesses ask the questions:

• Is cryptocurrency legal?

• Is it possible to sell cryptocurrency in Russia?

• Is it possible to trade cryptocurrency in Russia?

As of 2025, the following conditions apply:

• Payments in cryptocurrency are permitted provided there is accounting and transparency;

• Accepting cryptocurrency through registered processors is not prohibited;

• The official law on cryptocurrency in Russia 2025 allows operations with digital assets within B2B, especially if reporting is maintained.

Important: always refer to the latest version of the law and work through providers that conduct AML checks.

How to cash out received cryptocurrency

Withdrawing cryptocurrency to a card is an important stage. There are several ways:

• Automatic conversion via processing;

• Using banks that support cryptocurrency operations;

• Transferring to an exchange and then to a bank card.

Key queries:

• how to cash out cryptocurrency in Russia;

• withdrawing BTC to a card;

• converting cryptocurrency to rubles;

• how to withdraw cryptocurrency to a card.

Mistakes to avoid

• Using an exchange as a payment gateway. → Risk of account freezing, lack of automation.

• Ignoring taxes and reporting. → In Russia, there is a self-employed and individual entrepreneur regime — it is possible to work with crypto with the right approach.

• Lack of transaction monitoring. → A payment may not arrive without confirmation on the blockchain.

Conclusion: cryptocurrency is not a trend, but a necessity

By 2025, accepting cryptocurrency on the website is a matter of survival and competitiveness, not fashion. If you don’t want to miss part of the paying audience, adapting to digital assets is a must.

By using tools such as: API for cryptocurrency, payment widgets, invoices with automatic transaction verification, you not only increase conversion but also simplify accounting, reduce dependence on banks, and accelerate international settlements.

Ready to connect cryptocurrency acceptance to your website?

Contact us — we will show you how to do it legally, safely, and in one day.