Over the past 5 years, the availability of crypto payments for ordinary users has become higher. In the United States, the United Arab Emirates, China and other countries, the number of ATMs that accept cryptocurrency cards is growing. You can pay for goods online using BTC and other cryptocurrencies. To do this, businesses use cryptocurrency payment gateways.
The availability of cryptocurrencies for everyday spending increases the total capitalization, as more users become available. The capitalization of the cryptocurrency reached the mark of $4.2 trillion. The first place in terms of capitalization and value is occupied by BTC, the first cryptocurrency that appeared in 2009. Recent research shows that more than 560 million people use blockchain technologies. This is a good opportunity for businesses to expand internationally and attract new customers. Using BTC for payment blurs boundaries and provides more opportunities for business development.
In this guide, we will explain in detail what crypto payments are, how they differ from traditional methods and what benefits they can bring to entrepreneurs.
What is BTC payment
A BTC payment is the transfer of Bitcoins – the leading cryptocurrency – as a means of payment for goods, services or financial obligations. Unlike traditional fiat currencies, which are controlled by central authorities such as banks or government agencies, Bitcoin operates on a decentralised blockchain network. This means that transactions are carried out directly between participants without intermediaries, which increases the speed, privacy and autonomy of payments.
Each BTC payment involves the transfer of ownership of a certain amount of bitcoins from the sender's digital wallet to the recipient's wallet through a confirmed transaction that is permanently recorded on the blockchain. Once confirmed by the network, the transaction becomes irreversible, which provides an additional level of security compared to traditional payment methods that are vulnerable to disputes or chargebacks.
Companies and individuals are increasingly adopting BTC payments for a number of compelling reasons:
- Global accessibility. Bitcoin allows cross-border transactions without high fees and long delays, facilitating the development of international trade.
- Transparency and immutability. All transactions are open for public viewing on the blockchain, which helps build trust and accountability among participants.
- Lower fees. Compared to traditional payment systems, Bitcoin often involves lower costs, which is beneficial for both senders and recipients.
As these advantages become more widely recognised, an increasing number of companies are integrating BTC payments into their workflows, viewing this as a strategic step towards technological innovation and customer base expansion.
Want to accept crypto payments on your website?
In 2025, BTC is being used less and less as a means of payment. This is due to the higher cost of transaction processing compared to other cryptocurrencies. At 0xProcessing, we support 50+ of the most popular cryptocurrencies that you can use to accept payments on your website.
Real-world implementation of Bitcoin payments
The real-world implementation of Bitcoin payments in everyday commercial activities is no longer a futuristic idea, but a tangible reality backed by statistics and the practices of leading global companies. Modern businesses are actively adapting to the new financial realities by accepting Bitcoin as a fully-fledged means of payment for goods and services.
The scale of the phenomenon
Today, we are witnessing an unprecedented surge of interest in cryptocurrencies. The global cryptocurrency market capitalisation has reached an impressive $4.2 trillion, and the value of Bitcoin itself has set a new all-time high, exceeding $124,000 in August 2025.
Industry leaders
Among the leaders in the adoption of Bitcoin payments, Tesla stands out as the first company in history to decide to store the Bitcoins it receives directly, without converting them back into fiat currency. Other large corporations, such as Microsoft, have also adopted Bitcoin, although they use payment processors to automatically convert it into traditional money. A major milestone was the creation of the US government's Strategic Bitcoin Reserve, which underscored the importance and legitimacy of cryptocurrency at the state level. The decree was signed on March 6, 2025.
Wide business coverage
A number of major US retail chains, such as Crate & Barrel, Nordstrom, Amazon Whole Foods, Lowe's, Regal Cinemas, Gamestop and Baskin Robbins, have already integrated the ability to pay for goods and services using Bitcoin and other cryptocurrencies. In 2025, BTC is rarely used as a means of payment. Bitcoin lost the palm to stablecoins (USDT and USDC), as well as other cryptocurrencies. The former are not subject to high volatility, while the latter have lower fees and transaction processing time.
Social aspect
It is worth noting that Bitcoin ownership is becoming a mass trend. About 15.4% of US residents already own cryptocurrency, which corresponds to approximately one in eight people. Thus, a significant portion of the population is ready and waiting for the opportunity to pay for purchases and services using Bitcoin.
Future prospects
Experts predict that Bitcoin will continue to grow in popularity. Given the active involvement of large corporations and growing interest from individuals, it is expected that by 2030, Bitcoin will be used by a significant portion of the world's population. Many analysts believe that the integration of cryptocurrency payments will become standard for most commercial enterprises.
BTC will be used more often as a means of accumulation or investment. Other cryptocurrencies, especially stablecoins, will be more widely used for financial transactions.
Bitcoin for Merchants: The Balancing Act
Pros
- Cost-Effective: Lower transaction fees are a boon for businesses, especially for high-volume or international transactions.
- Quick Access to Funds: Near-instant transactions mean better cash flow.
- New Customer Avenue: Attract tech-savvy folks who prefer paying with crypto.
- Enhanced Security: Reduced fraud and chargeback risks are a big plus, particularly for online businesses.
- Market Edge: Stepping into Bitcoin territory sets you apart as an innovator.
Cons
- Volatility: Bitcoin's value can flip-flop, affecting payment value. But here's a pro tip: use a reliable service like 0xProcessing with features like Volatility Risk Control System that can convert Bitcoin into stablecoins, keeping your earnings safe from the crypto rollercoaster.
- Regulatory Uncertainty: The legal landscape is still shaping up, so tread cautiously.
- Operational Tweaks Needed: Integrating Bitcoin means setting up wallets, training staff, and adapting operations.
- Niche Customer Base: Despite growing, Bitcoin's everyday use is still not mainstream.
In 2025, BTC is less commonly used as a means of payment. Among cryptocurrencies, stablecoins are the leaders. They have all the advantages of crypto payments – low fees compared to banking services, and availability in most countries of the world. At the same time, there is no high volatility inherent in Bitcoin.
Launching your Bitcoin payment system: a step-by-step guide
Want to start accepting payments in Bitcoin? We offer a simple and easy-to-follow step-by-step guide to help you quickly and efficiently set up your cryptocurrency payments.
Step 1. Create a wallet or connect a processor
Start by choosing how you want to store and manage your funds:
- Create your own crypto wallet – suitable if you want to control your funds and transactions yourself.
- Use the 0xProcessing payment processor – convenient if you want to automate the process and eliminate routine tasks.
0xProcessing converts bitcoins into fiat currencies, eliminating the need for a personal wallet. This simplifies the process and allows you to focus on running your business.
Step 2. Choose a reliable payment processor
Look for a reliable partner who:
- Is well known in the market.
- Offers transparent rates and low fees compared to traditional payment methods.
- Integrates easily with your website or store.
- Guarantees security and quality customer support.
Among the available options, 0xProcessing stands out for its convenient support, solution for combating volatility, and efficient transaction processing.
Step 3. Install and configure the system
There are two ways to integrate Bitcoin payments:
- via API integration – ideal for experienced developers.
- using a ready-made module or plugins – the best option for a quick start.
Make sure that the method you choose is compatible with your business's technical capabilities.
Step 4. Check functionality
Check the system's functionality:
- make a test purchase;
- evaluate the speed and accuracy of transaction processing;
- fix any issues you find.
Testing makes sure everything works smoothly and keeps your customers happy.
Step 5. Monitoring and improvement
Keep an eye on how the system is working:
- analyse payment stats;
- optimise the payment process;
- give your customers detailed instructions on how to pay with Bitcoin.
Monitoring will allow you to respond quickly to changes and improve the quality of service.
Setting up a Bitcoin payment system is an effective way to expand your customer base, reduce service costs, and demonstrate the modernity of your business. Follow our recommendations and you will easily master this promising tool.
Frequently asked questions about Bitcoin payments
Navigating the world of Bitcoin payments is not easy, but understanding the basic principles will help you feel more confident. Let's take a look at the most common questions asked by beginners.
What payment system does Bitcoin use?
The Bitcoin payment system is based on the principle of direct transfer of digital coins from the buyer to the seller. The payment goes through the blockchain network, where a unique address is created for each individual transaction. Funds are usually automatically converted into a currency convenient for the seller. The time it takes for the payment to be credited varies depending on the service selected and the network load. The system is decentralised, secure and transparent, but requires prior study of the nuances of its operation.
Is it legal to pay with Bitcoin?
Payment with Bitcoin is permitted in many countries, including United States. In the United States, the IRS treats Bitcoin as property, requiring sellers to report income from cryptocurrency transactions. Companies are required to follow local laws and tax regulations related to cryptocurrency transactions. Always check the current legal requirements of your specific jurisdiction.
Is it safe to receive money using Bitcoin?
Receiving payments in Bitcoin has a high level of technical security thanks to blockchain technology. However, the responsibility for the safety of funds lies with the wallet owner. Loss of secret keys or password confidentiality breach will result in the irretrievable loss of funds. Be careful and ensure that your personal wallet is well protected.
What are the fees for Bitcoin payments?
Commissions on the Bitcoin network are set voluntarily and depend on the current network load and transaction volume. The amount of fees is not fixed and varies from small amounts ($0.50–$2.50) to significant increases during periods of network congestion (e.g., up to $38.43). Transaction fees ensure that transactions are processed and confirmed by miners on the network.
How secure are Bitcoin payments?
Paying for goods or services with Bitcoin is similar to entrusting your valuables to a reliable digital fortress. Let's take a closer look at the mechanisms that protect your funds and transactions in the world of Bitcoin.
Transparency and immutability of the blockchain
At the heart of the entire system is the blockchain, a public digital ledger consisting of a series of interconnected blocks. Each block contains information about all transactions that have taken place, and it is virtually impossible to change or delete entries. This ensures absolute transparency and prevents transactions from being falsified.
Reliable data encryption
All Bitcoin transactions are protected by modern cryptographic algorithms. Transaction information is converted into a complex code that is only accessible to the owner of the corresponding private key. This is similar to a secure digital lock that is extremely difficult to break.
Public and private keys
Any transaction with bitcoins requires a pair of special keys:
- a public key is your unique account number, which you can freely show to other people;
- a private key is your personal secret, which is necessary to confirm ownership of funds and sign transactions.
Only the owner of the private key can access their funds, which prevents unauthorised access.
Multi-factor authentication
Modern payment gateways, such as 0xProcessing, employ enhanced levels of security, ranging from standard two-factor authentication (2FA) to the latest technologies with up to five factors of identification (5FA). This greatly strengthens account security and reduces the likelihood of fund theft. The 0xProcessing platform undergoes regular security audits and uses its own blockchain infrastructure, minimising dependence on third parties and further reducing the risk of data leaks.
Secure wallet storage
Your Bitcoin wallet is like a digital safe. We recommend using cold storage (offline storage), encryption, and regular backups. This will protect your funds from cyber attacks and accidental loss.
Caution above all
Despite high security standards, remember that transactions on the Bitcoin network are irreversible. Losing your private key or allowing it to fall into the wrong hands will result in the loss of your funds without the possibility of recovery. It is therefore extremely important to choose reliable partners responsibly and to protect your personal data carefully. Following simple precautions, combined with the advantages of the technology itself, will make your Bitcoin payments the safest way to pay.
Looking to the future: will more merchants accept Bitcoin?
When it comes to the future of Bitcoin payments, one thing is certain: change is inevitable. Current trends clearly show that cryptocurrencies are becoming an integral part of our daily lives, and commerce is no exception. At the beginning of 2025, the global cryptocurrency user base already exceeded 560 million people, representing about 8% of the world's population. This is a significant achievement, demonstrating the widespread acceptance and growing trust in cryptocurrencies. The number of Bitcoin wallet owners is also growing: in the last year alone, their number has increased by 6.5 million, reaching 54 million. Experts predict further rapid growth, estimating that by 2030, the number of cryptocurrency users could reach one billion.
BTC itself is being used less and less as a means of payment. Stablecoins are the leaders among cryptocurrencies. They have all the advantages of crypto payments – low fees compared to banking services and accessibility in most countries of the world.
Major market players
Microsoft has reopened Bitcoin payments for its Xbox Store, confirming its serious commitment to cryptocurrencies. American telecommunications corporation AT&T has become a pioneer among mobile operators by starting to accept cryptocurrency. Popular online stores such as NewEgg, Shopify and Etsy offer customers the option to pay with Bitcoin, highlighting the growing popularity of digital currencies in retail. Financial giants, including PayPal and accounting software QuickBooks, have also supported the initiative by simplifying the integration of cryptocurrency payments for small and medium-sized businesses. In the entertainment and tourism sector, Burger King, Virgin Galactic, Norwegian Air and CheapAir already accept Bitcoin, demonstrating the versatility and convenience of cryptocurrency payments.
Challenges
- The high volatility of the Bitcoin exchange rate forces many businessmen to choose an alternative. For payment in cryptocurrency, stablecoins are more often chosen, which are linked to the exchange rate of the fiat currency. They have all the advantages of cryptocurrencies, while not suffering from exchange rate volatility.
- Technical difficulties and the need to train staff create additional barriers to widespread adoption.
- Slow transactions and limited infrastructure require technological improvements.
- Lack of consumer awareness is slowing down the widespread adoption of cryptocurrencies.
Experts agree that these problems can be solved. New technologies such as the Lightning Network and atomic swaps promise to speed up transactions and improve user experience. Educational initiatives aim to bridge the information gap, while specialised payment processors strive to ensure a smooth transition for businesses to cryptocurrency payments. All of this creates favourable conditions for the further expansion of crypto presence in retail. It is likely that in the coming years we will see an even higher percentage of stores and services accepting cryptocurrency.
The future of token payments looks promising. The growing number of users, support from major brands, and continuous technological improvements indicate that cryptocurrencies will become an integral part of our economic landscape. Businesses will either have to adapt to these changes or be left behind.
