Flexible payment options let your clients pay however they want while you receive funds in your preferred method. Clients can pay via bank transfer or crypto (stablecoins) and Acctual automatically handles conversion, routing, and matching.
Why use flexible payment options?
Get paid faster: Clients choose the payment method that works best for them, reducing friction and speeding up payment.
Accept payments globally: Support clients worldwide with multiple currencies and payment methods.
Automatic invoice matching: When clients use your payment link, payments are automatically matched to invoices (crypto now, fiat coming soon).
You receive funds your way: Client pays in USD via ACH, you receive USDC in your wallet. Acctual handles the conversion.
Professional experience: Clients see a polished payment page with multiple options, not just manual payment instructions.
What clients can use to pay
When you enable flexible payment options, clients can pay using:
Fiat (Bank Transfers):
USD: ACH, Wire
EUR: SEPA, Wire
Crypto (Stablecoins):
USDC: 7 networks (Ethereum, Solana, Base, Polygon, Optimism, Stellar, Avalanche) - $2 minimum
USDT: 2 networks (Ethereum, Tron) - $21 minimum
Clients choose their preferred method. You receive funds in the method you configured.
Before you start
To enable flexible payment options, you need to:
Add a payment method (crypto wallet or bank account)
Complete account verification
Note: Only USD and EUR bank accounts support flexible payment options when accepting crypto (stablecoins). Other currencies (GBP, CAD, AED, INR) can only be used as manual payment details.
Learn how to complete verification (link to verification article)
How to add a payment method
Step 1: Go to settings and select payments
Click settings (gear icon in sidebar)
Select the payments tab
Scroll to payment details, Invoices
Click the crypto or fiat tab
Step 2: Choose crypto wallet or bank account
Option 1: Add a crypto wallet
Click the on crypto tab
Enter a name (e.g., "My USDC Wallet")
Enter your wallet address
Optionally connect your wallet
Click add
Important: Make sure your wallet address matches the network you want to receive on.
Option 2: Add a bank account
Click the fiat tab
Select your currency (USD or EUR for flexible payment support)
Choose your payment rail:
USD: ACH (recommended for US), Wire, or SWIFT
EUR: SEPA (recommended for EU), Wire, or SWIFT
Enter your bank account details:
Account holder name
Account number (or IBAN for EUR)
Routing number (for USD)
Account holder address
Click add
Step 3: Enable flexible payment options
After adding your payment method, a modal appears showing all the ways clients can pay.
Review the available payment methods for clients
Click Enable to activate flexible payment options
If you skip this step, you can enable it later:
Complete account verification first
Go to settings and click the payments tab
Find your payment method
Toggle flexible payment options on
How it works
You add a payment method and enable flexible options
Client receives your invoice with a payment link
Client clicks "choose how you'd like to pay"
Client selects their preferred method (ACH, SEPA, crypto, etc.)
Acctual processes the payment and converts if needed
You receive funds in your preferred method
Payment is automatically matched to invoice (when using payment link)
You get notified when payment is received
Fee: 1% on all transactions (deducted from payment amount). For Example, client pays $100, you receive $99.
Matching payments and invoices
Understanding when payments are automatically matched vs when you need to manually match them:
Automatic Matching (No action required):
Client uses the payment link
Client pays with crypto (USDC, USDT)
Payment is automatically matched to the invoice
Coming Soon: Automatic matching for fiat payments (USD ACH, EUR SEPA)
Manual Matching Required:
Client pays via Flexible Payment method but NOT using the payment link
Client pays manually using your payment details (copies wallet or bank account)
All manual payment details payments
Frequently Asked Questions
Do all invoices have payment links?
Yes. Every invoice you create includes a payment link.
Can I customize the payment link?
No. Payment links are automatically generated for each invoice.
What if the client doesn't use the payment link?
You'll need to manually match the payment to the invoice using the invoice match feature. When will fiat payments be automatically matched? Automatic matching for fiat payments (USD ACH, EUR SEPA) is coming soon.
Can I share the payment link multiple times?
Yes. You can share the payment link as many times as needed. It remains active until the invoice is paid.
What happens after the invoice is paid?
The payment link remains accessible, but clients will see that the invoice has been paid.
Do I need to complete verification?
Yes. Flexible payment options require KYC/KYB verification to comply with financial regulations.
Can I have multiple payment methods?
Yes. Add as many crypto wallets and bank accounts as you need. Enable flexible options on some or all of them.
What currencies support flexible payment options?
Only USD and EUR currently. Other currencies can only be used as manual payment details.
Can I receive crypto even if the client pays in fiat?
Yes. Clients can pay in USD via ACH, and you receive USDC in your wallet. Acctual handles the conversion.
How long does it take to receive payments?
Typically 1-2 business days after client payment is confirmed.
Are payments automatically matched to invoices?
Yes, when clients use the payment link. Currently works for crypto payments. Fiat automatic matching coming soon.
What if the client doesn't use the payment link?
You'll need to manually match the payment to the invoice using the invoice match feature.
Next Steps
Complete verification – Freelancer verification or business verification
Adding manual payment methods - Learn how to add manual payment methods
Supported currencies and payment methods - Learn about supported currencies and payments
Transfer your funds - Learn how to send money
Send your next invoice - Learn how to create and send invoices
How payment links work - Learn how to payment links work on Acctual
Tracking payments and transfers - Learn how to payments and transfers
Matching invoices and payments - Learn how to match invoices and payments
Troubleshooting payment issues - Learn how to trouble payment issues
Need Help?
If you have questions about flexible payment options:
Email: support@acctual.com
In app messenger chat: Click the chat icon in the right corner of your dashboard