If your customers want to pay in crypto, your payment system should do three things very well: accept the payment, turn it into the currency your finance team uses, and record it clearly for audit and tax.

APIs are simply the “pipes” that let your website, app, or billing tool talk to services that do all of this reliably.

This article explains the idea without jargon and shows where WCT Pay fits in with API Integration, Invoicing Solutions, and our OTC Desk for large transactions.

The outcome businesses actually want

• Customers can pay with USDT, USDC, ETH, or BTC in a few clicks.
  
  
• Funds are converted to USD, EUR, GBP, or AUD with clear timing.
  
  
• Finance gets clean records and easy reconciliation.
  
  
• Risk and compliance checks happen in the background.
  
  
• The system runs every day, not just on good days.

What is an API in this context?

Think of an API as a secure pipe between your systems and WCT Pay.

• Your checkout, invoice tool, or POS asks for a payment.
  
  
• WCT Pay confirms when the crypto arrives.
  
  
• If you prefer, WCT Pay converts it to fiat and settles to you.
  
  
• Your dashboard and reports stay in sync.

No code here, just the concept: your tools talk to ours so the experience is smooth for buyers and simple for your team.

A simple blueprint: 5 steps

1. Offer crypto at checkout or send a pay link (invoice).
   
   
2. Customer pays in USDT, USDC, ETH, or BTC.
   
   
3. We confirm the payment and show the status in real time.
   
   
4. Funds convert to your chosen currency or stay in crypto, based on your rules.
   
   
5. We settle and post the records your finance team needs.

High-value tickets (property, luxury assets, B2B invoices) can route through the OTC Desk for best pricing and deeper liquidity.

How WCT Pay fits into your stack

• API Integration: Add crypto acceptance to your website, app, or billing system. Keep your current checkout and CRM.
  
  
• Invoicing Solutions: Send branded invoices and pay links. Great for B2B, deposits, retainers, and milestone billing.
  
  
• OTC Crypto to Fiat: For large or time-sensitive payments where price certainty and liquidity matter.
  
  
• Compliance and Reporting: KYC/KYB, monitoring, and exportable records so finance and audit are confident.

What “robust” looks like in plain language

• Always available: Your customers can pay at any time.
  
  
• Clear statuses: Paid, pending, converted, settled. No guesswork.
  
  
• Predictable timing: You know when fiat will arrive.
  
  
• Fewer surprises: Built-in checks reduce fraud and operational mistakes.
  
  
• Easy to reconcile: Payouts, rates, and references line up with your bank statements.

Industry examples

Real Estate: Accept a reservation fee in USDT today, convert to USD, and settle to your escrow account.

Automotive: Take a high-value deposit on a supercar, lock pricing through the OTC Desk, settle next business day.

Luxury Retail: Offer crypto at POS; staff sees “paid” and you receive fiat, ready for daily close.

Education: Invoice international students in crypto, receive tuition in your local currency.

Insurance: Collect premiums in stablecoins and settle to fiat with full reporting for compliance.

Aviation & Travel: Take deposits for charters or resort bookings and convert immediately to remove volatility.

PSPs & Cashiers: Add crypto as a tender type and settle to merchant accounts in fiat.

Events & Conferences: Sell tickets with crypto and reconcile payouts by day or event.

Maritime: Bill port fees and fuel in crypto for faster turnaround, settle to the operating account.

What your team needs to prepare

• Decide your rules: Which coins you accept and when to convert.
  
  
• Pick the experience: Checkout button, invoice links, or both.
  
  
• Choose settlement: USD, EUR, GBP, or AUD, and how often.
  
  
• Give finance visibility: Who gets access to reports and exports.
  
  
• Agree exceptions: Refunds, partial payments, or overpayments.

Frequently asked (non-technical) questions

Can we keep some funds in crypto and convert the rest?
Yes. Set your own mix by asset or by transaction size.

How do large one-off payments work?
We route them through the OTC Desk for deeper liquidity and price certainty, then settle to your chosen currency.

Do we need to change our website or ERP?
Not much. Most businesses add a button or use invoices. The “pipes” handle the heavy lifting.

What about compliance?
KYC/KYB and monitoring are built into the workflow so you can operate confidently in regulated markets.

Which assets and fiats are supported?
USDT, USDC, ETH, BTC. Settlement in USD, EUR, GBP, or AUD.

Get started with WCT Pay

• Add crypto to checkout with API Integration.
  
  
• Send a test invoice with Invoicing Solutions.
  
  

Discuss high-value flows with our OTC Desk.

Book a quick demo → https://wctpay.com/welcome/otc-desk#contact