Accept crypto payments in your business

Under one arrangement, the customer pays in crypto and a provider settles with your business in euros. Your records must explain the sale amount, conversion, commission and bank settlement. Under another, your business keeps the assets received and must also track holdings, transfers and later disposals. The payment solution and accounting scope should reflect this choice.

Start with your activity: physical retail, e-commerce or services; consumers or business customers; domestic or international sales. Currencies, networks, volumes, settlement timing and expected refunds complete the picture.

Look beyond the advertised fees at the features that affect daily operations: identifying each order, quote expiry, underpayments, confirmation times, refunds, settlement currency and export access. You also need to identify the entity you contract with and the terms governing its service.

• For the customer: amount due, accepted asset and network, confirmation and a contact when something goes wrong.
• For the team: a procedure for confirming the sale and dealing with an unrecognised payment.
• For accounting: order or invoice reference, gross amount, fees, conversion and final settlement.

We help define the information required for accounting. Selecting and technically configuring the solution should be coordinated with the provider and, for e-commerce, the person responsible for maintaining your store.

A settlement may group several sales and deduct different commissions. You need to trace it back to gross customer receipts and explain the net amount credited. Refunds and adjustments are tracked separately to preserve a reliable view of revenue.

Illustrative example: a customer pays a €120 invoice. Under the agreed arrangement, the provider converts the payment and transfers €118 after €2 in fees. The records should connect the invoice, payment and documented fees. Recording only the €118 received does not fully describe the transaction. This example concerns reconciliation; VAT treatment depends on the underlying sale and cannot be inferred from these figures alone.

What happens if the customer pays after the quote expires, sends too little or uses a different network? Who handles a refund and how is its amount calculated? The provider’s contract and procedures should give practical answers. For accounting, retain the customer’s request, correspondence, amount refunded and associated fees.

Documented tests of normal and exceptional cases help assess the process before rollout. Our engagement may cover defining the required records and checking accounting reconciliation. Any real payment test must be arranged with you and your provider.

A payment method does not replace your invoicing arrangements. The French reform distinguishes electronic invoicing and data reporting according to customers and transactions. For businesses in scope, receiving electronic invoices became mandatory on 1 September 2026; issuing them is phased between 2026 and 2027 according to business size. Crypto payments do not remove these obligations.

We examine how your tools connect the invoice, receipt and required data. Read our guide to electronic invoicing and crypto payments and the official DGFiP guidance, in French.

The starting file brings together the sales process, provider terms, a sample export and reconciliation rules. Ongoing tracking can then cover sales, commissions, refunds, settlements and, if assets are retained, company accounts and wallets. Frequency and deliverables are defined in the engagement.

For assets kept in crypto, explore our corporate crypto accounting page. If the project also concerns cash beyond customer receipts, our holding company and treasury page examines structure and funding.