6 Best Crypto Invoicing Tools in 2026
The best crypto invoicing tools in 2026 compared on invoice features, fees, settlement and coins. See Request Finance, BitPay, CoinGate, Strike, Smart Invoice and Monocrypt.
By Jonathan West · Updated July 2026
Selecting the best crypto invoicing software depends on how you handle settlement, track billing cycles, and collect fees. At PipeFlare, we compare these tools on what each vendor's own page publishes. This roundup reviews six tools across invoice features, published fees, settlement paths, and supported coins as of Oct 2026. Every option carries distinct operational terms, from smart-contract milestone escrow to multi-currency bank payouts. Platform pricing and terms can change over time.
Learn how a crypto payment gateway works before you pick an invoicing tool.
Request Finance
Best for: Best for stablecoin invoicing with a free plan
Request Finance lets you create and send unlimited invoices in stablecoins or fiat on its Free plan. Users can send and receive in 25-plus currencies with virtual IBANs and pay vendors across 190-plus countries. CSV exports are included on all plans.
Strengths
Unlimited invoices in stablecoins or fiat on the Free plan
Send and receive in 25-plus currencies with virtual IBANs
Free stablecoin payouts on every tier
Limitations
Bank off-ramp incurs a percentage fee plus transfer charges
Business account activation requires KYB verification taking a few days
Pricing: Free $0; Starter $50, Growth $300, Pro $600 per month
BitPay
Best for: Best for NYDFS-licensed invoicing with fiat settlement
BitPay allows businesses to email crypto invoices to clients without requiring wallets or crypto handling. It converts received funds to fiat and deposits them to your bank account the next business day. It holds a virtual currency license from the NYDFS.
Strengths
Next business day bank deposits in fiat across 38 countries
Supports 100-plus cryptocurrencies including BTC, ETH, and SOL
No crypto handling or personal wallet required
Limitations
Transaction fee starts at 2% plus 25 cents under $500,000 monthly volume
Higher fees apply to high-risk industries
Pricing: 2% + 25 cents under $500,000/month; 1% + 25 cents at $1,000,000+
CoinGate
Best for: Best for recurring bills and fiat settlement
CoinGate provides no-code dashboard billing and API automation with email delivery or shareable invoice links. It supports weekly or monthly recurring billing with custom start and end dates. Payouts are available in 180-plus countries.
Strengths
Recurring billing with weekly or monthly frequency options
Standard plan charges 1% processing with no monthly fee
Settlement available in crypto, stablecoins, or EUR/GBP/USD
Limitations
Automatic settlements occur on a weekly schedule
Enterprise terms require custom volume arrangements
Pricing: Standard plan 1% processing, no monthly fee
Strike
Best for: Best for bitcoin and Lightning invoices
Strike lists invoicing capabilities directly alongside point-of-sale and online checkout tools. Customers can pay invoices onchain or over the Lightning Network. Merchants can choose to settle funds directly into USD or hold Bitcoin.
Strengths
Native support for onchain and Lightning Network payments
Merchants can settle in USD or keep Bitcoin
Regulated in all 50 US states and 100-plus jurisdictions
Limitations
Fees for invoicing are not published on the business page
Check current terms
Pricing: Not published for invoicing
Smart Invoice
Best for: Best free milestone escrow for web3 freelancers
Smart Invoice is a free web-based milestone escrow tool. Invoices link to smart contracts that hold funds until specific project milestones are released. You log in by connecting a crypto wallet without creating an email account.
Strengths
Smart-contract escrow holds multi-milestone project payments
No platform software fees and includes PDF invoice downloads
Runs on Ethereum, Gnosis, Polygon, Arbitrum, Optimism, and Base
Limitations
Credit cards and ACH are not accepted
Bitcoin is not supported
Pricing: Free to use; optional arbitration up to 5% of escrow
Monocrypt
Best for: Best for higher-volume B2B billing
Monocrypt provides customizable invoices and standalone invoice generation for business operations. Monthly plans allocate between 25 and 250 invoices paired with prepaid processing volume. Its platform notes support for more than 300 assets across major blockchains.
Strengths
Tiered plans with prepaid processing volume
Processing fees drop to 0.25% on higher-tier plans
Supports USDT, USDC, BTC, ETH, and TRX across 4 blockchains
Limitations
Monthly plan fees range from $999 to $1,999 on upper tiers
Instant fiat settlement details, timing, and regions are not published
Pricing: Starter $0 at 0.5%; Basic $999/month; Pro $1,999/month
Summary comparison
| Option | Invoice features | Fees | Settlement | Coins or networks |
|---|---|---|---|---|
| FeaturedYour company here, pinned above every listing Get featured → | ||||
| Request Finance | Unlimited invoices in stablecoins or fiat on Free plan; CSV export on all plans | Free $0; Starter $50, Growth $300, Pro $600 per month | Virtual IBANs and bank payouts in 190+ countries | 25+ currencies including USDC and USDT |
| BitPay | Crypto invoices emailed to clients | 2% + 25 cents under $500,000/month; 1% + 25 cents at $1,000,000+ | Next business day to bank in fiat, crypto or a mix | 100+ cryptocurrencies |
| CoinGate | Itemized bills by email or link; weekly or monthly recurring bills | Standard plan 1% processing, no monthly fee | Crypto, stablecoins, or EUR/GBP/USD via FX conversion | 10+ cryptocurrencies including BTC, ETH, USDC |
| Strike | Invoicing listed beside point of sale and online checkout | Not published for invoicing | Settle to USD or keep in Bitcoin | Bitcoin onchain and Lightning |
| Smart Invoice | Milestone invoices with smart-contract escrow and PDF download | Free to use; optional arbitration up to 5% of escrow | Paid to your wallet on milestone release | Any ERC-20 on Ethereum, Gnosis, Polygon, Arbitrum, Optimism, Base |
| Monocrypt | Customizable invoices; 25, 100 or 250 per month by plan | Starter $0 at 0.5%; Basic $999/month; Pro $1,999/month | Page mentions instant fiat settlement; details Not published | USDT, USDC, BTC, ETH, TRX; page says 300+ assets |
| Invochain | Fiat-priced PDF invoices with QR codes and reminders; recurring on Professional | Free $0 (10 invoices/month); $5.99 or $14.99/month; transaction fees Not published | Non-custodial: funds go directly to your wallet | BTC, ETH, USDC, USDT on Free; page claims 100+ cryptocurrencies |
| EukaPay | Invoicing and Recurring Billing listed; feature details Not published | Not published; Talk to Sales | Accept crypto and fiat; payouts in stablecoins and local currencies | Not published |
| Copperx | Stablecoin Invoicing listed; payments via links, invoices and APIs | Invoicing fees Not published; bank withdrawal 0.5% average at $50K+/month | Stablecoin financial account with USD, EUR and AED accounts | USDC named on pricing page; other coins Not published |
| NOWPayments | Invoices listed among payment tools | 1% starting fee with loyalty discounts; excludes network fees | Auto-conversion of coins; fiat to crypto and crypto to fiat | Bitcoin, stablecoins and 300+ cryptocurrencies |
| Stripe | Stripe Invoicing lists stablecoins among supported payment methods | Pay-as-you-go; invoicing and stablecoin fees Not published on page | Not published | Stablecoins; specific coins Not published |
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Tool Choice by Settlement and Fees
Deciding on the best crypto invoicing software requires matching your settlement preferences and billing structures to the right provider. If you want fiat settlement without touching tokens, BitPay and CoinGate offer fiat payouts. BitPay sends converted funds to your bank account the next business day across 38 countries. CoinGate settles in fiat currencies such as EUR, GBP, or USD through foreign exchange conversion and pays out across 180-plus countries. Strike says received funds can be settled to USD, while Request Finance supports virtual IBANs and bank payouts across 190-plus countries. Keeping your settlement purely in digital assets leads to different tool choices. Smart Invoice delivers funds directly to your connected crypto wallet when project milestones are released. Smart Invoice accepts ERC-20 tokens only; credit cards and ACH transfers are not accepted. Request Finance keeps all stablecoin payouts entirely free across every tier, including its $0 Free plan. Monocrypt lists USDT, USDC, BTC, ETH, and TRX among its supported cryptocurrencies, though its page does not specify fiat settlement currencies, timing or regions. Strike gives merchants the choice to retain their balances entirely in Bitcoin. Fee models separate these tools further based on your monthly billing volume. Request Finance offers a Free plan with unlimited invoices, while its paid tiers cost $50, $300, or $600 per month. CoinGate charges a flat 1% processing fee with no monthly platform charge on its Standard plan. BitPay charges 2% plus 25 cents for monthly volume under $500,000, scaling down to 1% plus 25 cents at $1,000,000 or more. Monocrypt combines fixed monthly fees of $999 or $1,999 with lower processing fees of 0.35% or 0.25% on higher tiers. For project work needing dispute resolution, Smart Invoice charges no software fees, but optional Kleros arbitration takes up to 5% of the escrow amount if requested.
Invoicing Tools versus Checkout Widgets
Some entries are invoicing-first tools, while others are payment platforms that list invoicing. Request Finance focuses on formal billing by supporting unlimited invoices, vendor payouts, and CSV export functionality across all plans. Smart Invoice builds each invoice around specific project deliverables, producing PDF invoice downloads and securing client deposits inside an escrow smart contract until a milestone release is requested. Other platforms deliver invoicing features alongside broader merchant gateway services. Strike lists invoicing right beside point-of-sale tools and ecommerce checkouts. BitPay allows businesses to generate crypto invoices and email them directly to clients, advertising that no coding or crypto handling is required on the merchant's end. CoinGate enables users to bill clients via dashboard creation or automated API connections, offering tracked links and recurring billing options. Monocrypt provides standalone invoice generation services alongside its larger transaction-processing tiers.
Fees and Settlement Compared
Evaluating the ongoing costs of crypto invoicing tools requires examining monthly charges, transaction cuts, and off-ramp fees together. Request Finance provides its invoicing Free plan at $0 per month, while paid tiers run $50 for Starter, $300 for Growth, and $600 for Pro. Those paid plans include a 30-day free trial and give two months free with annual billing. While stablecoin payouts are free on all Request Finance tiers, bank off-ramps cost 1% on Starter or 0.5% on Growth and Pro, plus $10 per local transfer or $30 per SWIFT transfer. Transaction-based fee schedules vary between processors. CoinGate relies on a simple 1% processing fee on its Standard plan with automatic weekly settlements. BitPay uses a tiered volume structure where processing costs 2% plus 25 cents under $500,000 monthly, 1.5% plus 25 cents from $500,000 to $999,999, and 1% plus 25 cents at $1,000,000 or more, with higher fees applied to high-risk merchants. Monocrypt offers a $0 Starter tier with 0.5% fees up to $100,000 in volume, scaling up to $999 monthly for Basic at 0.35% and $1,999 monthly for Pro at 0.25%. Strike does not publish its invoicing fees on its business page.
Coins and Networks
Supported coins and blockchain networks vary across invoicing tools. Strike supports Bitcoin payments through onchain transactions or the Lightning Network. Smart Invoice supports any ERC-20 token across Ethereum Mainnet, Gnosis, Polygon, Arbitrum, Optimism, and Base, as well as Holesky and Sepolia testnets, but it does not support Bitcoin. CoinGate accepts payments in 10-plus cryptocurrencies, including BTC, ETH, USDC, LTC, and TRX, letting the payer pick their preferred asset and network. BitPay supports more than 100 cryptocurrencies, naming assets like Bitcoin, Ethereum, Solana, and stablecoins such as USDC. Request Finance handles transfers in 25-plus currencies with virtual IBAN options, featuring common stablecoins such as USDC and USDT. Monocrypt lists supported cryptocurrencies including USDT across TRC20 and ERC20, USDC, BTC, ETH, and TRX on Bitcoin, Ethereum, Solana, and Tron blockchains, with its page noting support for over 300 assets.
The verdict
There is no single best crypto invoicing tool for every business setup. Request Finance is the best option for sending unlimited stablecoin invoices on a $0 plan, while BitPay offers NYDFS-licensed invoicing with direct fiat bank settlement. CoinGate works best for setting up recurring billing cycles, Strike focuses on dedicated Bitcoin and Lightning payments, Smart Invoice provides free escrow for web3 milestone work, and Monocrypt serves high-volume B2B needs.
Frequently asked questions
What is the best crypto invoicing software?
The best crypto invoicing software depends on your payout requirements and client payment habits. Request Finance offers stablecoin billing with a $0 plan, while BitPay fits businesses seeking direct bank deposits the next business day. CoinGate handles recurring bills at a 1% processing fee, Smart Invoice holds milestone escrow contracts for web3 freelancers, and Strike provides focused Bitcoin settlement.
Can I send a crypto invoice without a crypto wallet?
Yes, you can send crypto invoices without managing a personal crypto wallet by using BitPay. BitPay states on its billing page that no coding, wallets, or crypto handling are required from the merchant. Clients pay the crypto invoice, and BitPay converts the funds to fiat and deposits them to your bank account the next business day.
Can I get paid in fiat from a crypto invoice?
Yes, several crypto invoicing platforms convert crypto receipts into fiat bank deposits. BitPay deposits fiat into bank accounts the next business day in 38 countries. CoinGate supports EUR, GBP, and USD payouts using real-time foreign exchange conversions. Request Finance provides virtual IBANs and bank off-ramps to 190-plus countries, and Strike allows merchants to settle directly into USD.
Are there free crypto invoicing tools?
Yes, both Smart Invoice and Request Finance provide free options for sending invoices. Smart Invoice is completely free to use on networks like Ethereum, Polygon, and Base, charging only an optional arbitration fee up to 5% if a dispute occurs. Request Finance offers a Free plan with unlimited invoicing in stablecoins or fiat, its stablecoin payouts are free on every plan, and bank off-ramps carry the fees listed on its pricing page.
Can I invoice in stablecoins?
Yes, stablecoin invoicing is supported across multiple platforms. Request Finance allows unlimited invoicing in stablecoins like USDC and USDT with free stablecoin payouts across every plan tier. Smart Invoice supports any ERC-20 token on networks like Base, Arbitrum, and Ethereum. CoinGate and BitPay process payments in USDC, while Monocrypt lists both USDC and USDT.
Sources
- Request Finance official site
- BitPay official site
- CoinGate official site
- Strike official site
- Smart Invoice official site
- Monocrypt official site
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