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A shop owner in a wine bar at night, checking a payment on her phone

Get paid in crypto.
Spend it with your card.

Send an invoice link or add a checkout to your store. The USDT your customer sends lands on your balance, and a virtual Mastercard in your phone spends it.

12seccustomer taps pay → you can spend
09:41:00
Customer pays 120 USDT
09:41:04
Seen on TRON
09:41:12
On your balance
13:20
Tapped to pay, 4.20

One payment, followed through a Tuesday

Maya runs a small clothing shop in Lisbon and sells to customers across Europe. Here is what a single crypto payment looks like from her side of the counter.

09:41:00
the tap

A customer in Berlin pays her invoice

Maya sent a link from her dashboard. Her customer opened it, chose USDT on TRON and paid from their own wallet.

No account to create, no card form, no redirect to an exchange.

Maya at her shop counter with a laptop
Invoice 1042
120.00 USDT
Linen coat, size M · paid from Berlin
09:41:04
four seconds in

The network confirms it

Satqo watches the chain for the address on that invoice. The transaction is seen and confirmed, and the customer’s invoice page turns to “paid” while they are still looking at it.

09:41:00.210invoice 1042 opened120.00 USDT
09:41:03.884transaction seen on trona91f…c02e
09:41:04.107confirmed1 / 1
09:41:04.112invoice 1042 paidwebhook sent
09:41:12
twelve seconds

It’s on her balance

The payment is screened, the ledger entry is written and her store gets its callback. Twelve seconds after the customer tapped pay, the money is Maya’s to use.

Available
1,284.60USDT
  • Invoice 104209:41:12 · tron+120.00
  • Invoice 1041yesterday · arbitrum+64.00
  • Checkout order 88yesterday · ethereum+210.50
13:20
lunch

Lunch, paid with her phone

The same balance sits behind a virtual card in her phone’s wallet. She taps at the counter and the card spends from it directly.

Nothing to withdraw first, no exchange in between, no three-day bank transfer.

Open an account and get the card

Hands holding a phone at a bar counter
satqovirtual
available
1,280.40
•••• 4417M. Duarte
Tasca do Largo13:20 · 4.20 EUR
✓Paid
hold near reader
18:05
closing time

Her supplier, paid from the same place

Next week’s stock goes out as USDT straight to her supplier’s wallet. One balance to get paid into, spend from and pay out of.

Payout18:05
Tecelagem Norte
TQ7p…9dLk · tron
Amount280.00 USDT
Network feepaid by Satqo
StatusSent

Two ways to get paid

Start with a link today. Add a checkout when your store is ready. Both land on the same balance.

Invoice link

Set an amount and a currency, send the link or show the QR code. Works in chat, email or on a printed receipt. No code at all.

Store checkout

Create invoices from your backend and get a signed callback the moment each one is paid. A hosted payment page handles the rest.

# create an invoice for an order
POST https://api.satqo.com/api/v2/invoices/create
X-Processing-Key: <api key>
X-Processing-Signature: <HMAC-SHA512 of the body>
{
  "foreign_id": "order-1042",
  "amount": "120.00",
  "currency": "USDT",
  "chain": "tron"
}
# → {"data":{"url":"https://pay.satqo.com/aB3dE5fG","status":"created",…}}
#   then a signed callback when it’s paid

Four networks, the stablecoins people actually hold

Time to balance depends on the network your customer picks. We show it honestly on every invoice.

TRONUSDTTRXto balance in ~10 sec
TONUSDTTONto balance in seconds
ArbitrumUSDCETHto balance in seconds
EthereumUSDTUSDCETHto balance in a few minutes

Typical time until a payment is confirmed and available, under normal network load. On TON the customer includes the memo shown on the invoice. Base and Bitcoin are not enabled yet.

Priced per payment, not per month

You pay when you get paid, and not before.

0.5% +

Incoming payments

0.5% of each payment, plus the network’s own fee.

0%

Payouts

Send to any wallet from 0%. The network fee is paid by Satqo.

0a month

No subscription

No setup fee and no minimums. Card fees are shown in your dashboard before you load anything.

The card

0per USD purchase

No fee on USD purchases

Pay for a $5 subscription and $5 leaves the card. Purchases in another currency carry the issuer’s 2.5% conversion fee.

Pay

Apple Pay, today

Add the card to Apple Pay right after issuing it and pay with your phone in shops and online.

$0card

Free card from $300

Issuing is free when your first load is $300 or more; otherwise it’s $10, once. No monthly fee.

Volumes above $10,000 a month get custom rates. Talk to us.

Invite friends, earn 20%. Bring a business to Satqo and get 20% of the fees we earn from them for 12 months; their card is free from a $100 first load. Your link is in the dashboard under Invite friends. Programme terms

Checked before it’s yours

Twelve seconds is fast, but every one of them is spent on something. This is what happens to a payment before it reaches your balance.

Maya is made up.
The twelve seconds aren’t.

Open an account, send your first invoice link and watch the payment land. It takes less time than reading this page did.

Maya relaxing at a wine bar in the evening

Questions

Does my customer need an account?

No. They open the invoice link, pick a network and pay from any wallet they already use. The page updates by itself when the payment is confirmed.

Where does the money go?

To your Satqo balance, held in the same currency your customer paid. From there you can spend it with your virtual card or send it to any wallet.

What happens if a customer sends the wrong amount?

The invoice shows the shortfall or overpayment, and you decide whether to accept it, ask for the rest or refund the difference.

How do I get the virtual card?

Open an account, confirm who you are in a couple of minutes and issue the card from your dashboard. It is a Mastercard that works online and in Apple Pay, and it spends from the money you load onto it. Issuing is free when your first load is $300 or more.
Get the card

Do you pay for referrals?

Yes. Share your link from the dashboard (Invite friends). For 12 months you get 20% of the fees Satqo earns from each business that signs up with it, paid in USDT to your balance once they have confirmed their identity and received a real payment. Your friend gets the card free from a $100 first load. Inviting yourself voids the rewards; Satqo can change or end the programme. Programme terms

Talk to us

Tell us about your business and we’ll reply by email within one working day.