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    • How-to guides

    How to Pay With Crypto: a Step-by-Step Guide

    Short version: at the payment step, pick crypto and a coin, you get an address + QR + an exact amount. Open your wallet, paste the address (or scan the QR), send the exact amount on the matching network , then wait a few minutes for confirmations. The order updates by itself. This is general information, not financial advice.

    Paying with crypto is closer to a bank transfer than to a card payment: you push funds to an address, the network records it, and the order completes once enough nodes confirm it. There is no chargeback and no card form - which is exactly why it is fast and private, and also why getting the amount and network right matters. Here is the whole flow.

    Before you start

  • A funded wallet. An app like a self-custody wallet, or an exchange account you can withdraw from. New to wallets? Read Crypto wallets & seed phrases, explained first.
  • The right coin. We accept several - see the coins we accept. If price stability matters to you, a stablecoin (USDC/USDT) means the amount won’t move while you pay.
  • A little extra for the network fee. The network - not New-U - charges a small fee to process the transfer. Keep a little spare balance so the full invoice amount still arrives.

    • The steps

  • Choose crypto at checkout. Build your cart, go to checkout, and select the crypto payment option, then the coin and network you want to use.
  • Open the invoice. You’ll see a payment address , a QR code , the exact amount , and a countdown . The amount is locked to the live rate for that window so the price doesn’t drift.
  • Send the exact amount. In your wallet, scan the QR or paste the address. Enter the exact amount shown. Double-check the network matches (e.g. don’t send on Ethereum if the invoice says Solana). Confirm.
  • Wait for confirmations. The page tracks the transaction and updates to “paid” automatically once the network confirms it. Keep the tab open if you can, but the order will still complete if you close it.

    • Always send to a freshly generated invoice address. Addresses are per-order. Don’t reuse an old one and don’t hand-type it - scan the QR or copy-paste, then sanity-check the first and last few characters.

    How long it takes

    It depends on the coin and network:

  • Solana / most stablecoin transfers: seconds to about a minute.
  • Ethereum: usually under a minute once it’s included in a block; fees vary with congestion.
  • Bitcoin: typically one to three confirmations - roughly 10–30 minutes - because blocks are mined about every ten minutes.

    • For why these differ, see What is Bitcoin? and What is Solana?

    The three first-timer mistakes

  • Wrong network. The same ticker can exist on several chains (USDC lives on Ethereum, Solana and more). Match the invoice network exactly - cross-network sends can be unrecoverable.
  • Fee eats the amount. If you “send max,” the network fee comes out of the total and the invoice arrives short. Send the exact figure and let the fee come from spare balance.
  • Letting the timer lapse. The quoted amount is rate-locked for the countdown. If it expires, refresh for a new invoice rather than sending against the old one.

    • If something looks wrong, stop and contact support before sending more. Have your order reference and the transaction ID (the “txid”/“signature” from your wallet) ready. Underpayments may not auto-complete; overpayments need a manual review.

    Why pay with crypto at all?

    No card data to enter, settlement in minutes, and it works the same from anywhere. It also keeps payment details out of a card network. The trade-off is that transfers are final - there’s no “dispute” button - so accuracy on the amount and network is on you. If you’d rather the price not move at all between clicking pay and confirming, use a stablecoin.

    Frequently Asked Questions

    How long does a crypto payment take? A few minutes, typically. Solana/stablecoins are near-instant; Bitcoin is usually 10–30 minutes. The order updates automatically.

    What if I send the wrong amount? Send the exact amount on the invoice. Underpayments may not auto-complete; overpayments need manual review. Contact support with your order reference and txid.

    Can I pay from an exchange? Yes, but pick the matching network and expect withdrawals to be a little slower than a self-custody wallet.

    Is there a refund/chargeback? Crypto transfers are final; there is no card-style chargeback. Refunds, where applicable, follow our normal policy - see Refund Policy.

    Related Reading

  • Crypto wallets & seed phrases, explained
  • Stablecoins explained: USDC, USDT & the dollar on-chain
  • What is Bitcoin? Digital gold, explained
  • Back to the Crypto Blog

    • Primary sources & further reading

  • Bitcoin - bitcoin.org/how-it-works (confirmations & settlement)
  • Ethereum - ethereum.org: gas & fees
  • Solana - solana.com/docs (speed & fees)

    • External links are for reference only; New-U is not affiliated with these projects and links carry no endorsement or financial advice.

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