What actually stops businesses from taking crypto
A bare wallet address can't run a store
Posting an address gives you no way to match a payment to an order, no underpayment handling, and no notification when money lands. Past a few orders a day, you're doing manual reconciliation on a block explorer.
Volatility worries the finance team
Bitcoin can move 5% in a day. Price a $50 product in BTC and hold the coin, and your margin moves with the market. Most businesses stall on this objection alone.
Nobody knows when to ship
A crypto payment appears on the network in seconds but is final only after block confirmations. Ship too early and a dropped transaction costs you the product. Ship too late and support tickets pile up.
Accounting looks like a research project
Your bookkeeper needs a fiat value, a timestamp, and an order reference for every sale. Raw chain data has none of those.
How Flint handles the mechanics
One payment request per order
Every checkout generates a unique payment request. Flint watches the chain, matches the payment to the order, and handles underpayments and overpayments so you never guess who paid.
Prices lock at checkout
You price in dollars. Flint converts to the coin amount at payment time and locks the rate for the session. The customer sees $49 and exactly how much crypto settles it.
Stablecoins remove the volatility question
Accept USDT and USDC and a $49 sale settles as $49. Keep BTC and ETH as options for customers who prefer them. Your books match your price sheet either way.
Settlement in minutes, not days
Stablecoin and ETH payments typically confirm in under 5 minutes. BTC takes 10 to 60. A high-risk card account settles in 3 to 7 business days, minus a reserve.
Webhooks drive fulfillment
Signed webhooks fire on detection and again on confirmation. Your backend ships, provisions, or credits automatically. The dashboard keeps a fiat value and reference for every order.
Pick your plan
Monthly fee plus a rate per sale. Upgrade when volume picks up.
Starter
Free to start validating ideas.
Fees
5.00% + 50¢ per transaction
Features
- All features to sell
- Standard support
Pro
For builders & early teams.
Fees
3.80% + 40¢ per transaction
Features
- All features on Starter
- Preview access to new features
- Prioritized support
Growth
For scaling startups.
Fees
3.60% + 35¢ per transaction
Features
- All features on Pro
- Preview access to new features
- Prioritized support
Scale
For fast growing businesses.
Fees
3.20% + 25¢ per transaction
Features
- All features on Growth
- Dedicated account manager
- Custom SLAs
Crypto checkout payment questions, answered
How long does a crypto payment take to settle?
It depends on the coin. USDT, USDC, and ETH payments usually confirm in under 5 minutes. Bitcoin takes 10 to 60 minutes depending on network load. Once confirmed, the funds are final and yours. There is no payout schedule and no 3 to 7 day settlement window.
How do I handle volatility between checkout and confirmation?
The rate is locked when the customer starts checkout, so the amount due doesn't drift during payment. After settlement, volatility only matters if you hold volatile coins. Most merchants accept stablecoins as the default and treat BTC and ETH as optional, which keeps revenue dollar-denominated end to end.
Do my customers need to understand crypto?
They need a wallet or an exchange account with funds in it. The hosted checkout shows them the exact amount, the address, and a QR code, then confirms on-screen when payment lands. If most of your customers pay by card, run Flint alongside your card processor and let each customer pick.
What does it cost?
Published pricing, same for every industry: free on Starter at 5.00% + 50¢ per transaction, down to 3.20% + 25¢ on Scale at $400 a month. No setup fee, no reserve, no chargeback fees, because there are no chargebacks.
How do refunds work without chargebacks?
You send the refund from your balance to the customer's address, on your policy's terms. Nothing is pulled from you by a bank. Publish a clear refund policy, because on this rail it is the customer's whole recourse.
How fast can I go live?
Same day. Create an account, add a product, share the hosted checkout link. Flint needs no underwriting review, which is the difference between minutes and the 2 to 6 weeks a high-risk card application takes.