Question 1

What is Settlematic?

Accepted Answer

Settlematic is a true non-custodial crypto finance platform with two modules: Collect (invoicing and payment links) and Gateway (payment processing for platforms). Businesses invoice in fiat, clients pay in crypto, and funds settle to destinations you control - we never hold private keys that can move them.

Question 2

Is Settlematic custodial - do you ever hold my funds?

Accepted Answer

No. Settlematic is true non-custodial: every invoice or checkout address is cryptographically bound to a destination you control at issuance. We watch the chain for confirmations and reconciliation only - we never hold funds in a pool or reserve.

Question 3

How is Settlematic different from custodial crypto payment processors?

Accepted Answer

Custodial processors hold your funds and issue a payout on their schedule - you carry their counterparty risk. Settlematic binds payment addresses to your wallets at issuance and detects settlement on-chain. No reserves held, no payout delay, no middleman.

Question 4

Which blockchains does Settlematic support?

Accepted Answer

Ethereum, Polygon, BSC, Solana, Tron, and Bitcoin - for ETH, BTC, SOL, USDC, USDT, and EURC.

Question 5

Can I accept stablecoin payments without a bank account?

Accepted Answer

Yes. Clients pay on-chain to addresses bound to wallets you control - no bank account required, no fiat conversion unless you choose it.

Question 6

Does Settlematic support KYC, KYB, and Travel Rule compliance?

Accepted Answer

Yes. Gateway includes KYB/KYC merchant onboarding flows and Travel Rule support for regulated payment workflows. Collect supports team permissions and audit logs for teams that reconcile books.

Question 7

Who is Settlematic built for?

Accepted Answer

SaaS companies, agencies, Web3 teams, and platforms embedding checkout - anyone who wants fiat billing with on-chain settlement.

Question 8

How do I get started?

Accepted Answer

Sign up for free testnet access or open the 15-minute sandbox demo. Upgrade to Pro for mainnet Collect or contact sales for Enterprise Gateway.

Question 9

Can I bill in USD and get paid in crypto?

Accepted Answer

Yes. Invoices are fiat-denominated; clients choose asset and chain at hosted checkout. You see real-time confirmation and reconciliation in your dashboard.

Question 10

Do payment links support open amounts?

Accepted Answer

Yes. Set minimum and maximum bounds; each payer enters their amount before checkout - useful for donations, tips, and flexible billing.

Question 11

Can I use my own domain for checkout?

Accepted Answer

Yes. Custom pay domains keep hosted checkout on your brand (e.g. pay.yourcompany.com).

Question 12

Does Collect support recurring billing?

Accepted Answer

Yes. Schedule recurring invoices with reminders and automatic payment link generation.

Question 13

When do I need Gateway vs Collect?

Accepted Answer

Collect is for a single business billing its clients. Gateway is for platforms onboarding multiple merchants - marketplaces, SaaS with seller payouts, or fintech apps embedding crypto checkout.

Question 14

What checkout modes does Gateway support?

Accepted Answer

Hosted checkout, embedded iframe, redirect sessions, and API-driven flows - with signed webhooks on payment events.

Question 15

Can I onboard merchants via API?

Accepted Answer

Yes. Create merchants, configure fee splits, and issue checkout sessions programmatically.

Question 16

How are platform fees handled?

Accepted Answer

Configure fee splits per merchant in Gateway settings. Settlement webhooks include fee breakdowns for reconciliation.

Question 17

Is testnet free?

Accepted Answer

Yes. Full platform access on testnet - all modules, APIs, and webhooks - at no cost.

Question 18

What does Pro include?

Accepted Answer

Pro at $49/month covers mainnet Collect (invoicing, payment links, custom pay domains, recurring billing, up to 5 seats) and Gateway. Lite ($20/mo) is Collect-only with volume limits.

Question 19

When do I need Enterprise?

Accepted Answer

Enterprise is for Gateway multi-merchant, custom SLAs, and dedicated onboarding support.

Question 20

Where do funds settle?

Accepted Answer

To destinations you control, cryptographically bound when each invoice or checkout address is issued. Optional destination splits and cooldowns apply to new addresses - already-issued addresses cannot be redirected.

Question 21

Can I use Collect without Gateway?

Accepted Answer

Yes. Many teams start with Collect for client billing and add Gateway when they embed checkout for merchants.

Non-custodial crypto invoicing & gateway - FAQ

What is Settlematic?

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