How To Pay Bills With Crypto?

Fed up with conventional payment methods for settling your bills? Interested in exploring a more cutting-edge and secure payment option? Turn to cryptocurrency. That’s correct! You can now use digital currencies such as Bitcoin, Ethereum, and Litecoin to pay your bills.

Paying bills with cryptocurrency may seem confusing, but it’s actually quite simple once you understand the process. In this article, we’ll guide you through how to make a payment with cryptocurrency, what kind of bills you can pay with crypto, and the advantages and disadvantages of using digital currency for bill payments.

By the end of this article, you’ll be equipped with all the knowledge needed to start paying your bills in an entirely new way.

How to make a payment with cryptocurrency?

If you’re looking to make a payment with cryptocurrency, there are several steps you’ll need to take before completing the transaction.

First, you’ll need to acquire a crypto asset like Bitcoin, Ethereum, DOGE etc. and sign up for a wallet. Cryptocurrency exchanges offer wallets to store private keys on behalf of their users. Once you have a wallet, you can transfer your desired amount of cryptocurrency into it.

Next, check with the utility provider or merchant to see whether they accept cryptocurrencies as payment. If they do, simply send the required amount of cryptocurrency from your wallet to theirs.

Direct Bitcoin payments can be made to merchants that accept BTC, eliminating conversion and service charges. However, if the merchant only accepts fiat currency like USD or EUR, consider using a Bitcoin debit card that can convert your cryptocurrency into fiat currency in real-time at point-of-sale terminals.

By the way, there are other ways to spend your crypto. Check out these guides:

Who accepts Ethereum as a payment?

Where to spend your Dogecoins?

Can you pay bills with Bitcoin?

You’re probably wondering if Bitcoin is a viable option for settling your monthly expenses. The answer is yes, you can pay utility bills with Bitcoin.

Many businesses and service providers have already started accepting payments in cryptocurrencies, including BTC. For instance, companies like AT&T allow customers to pay their mobile bills using cryptocurrencies. Similarly, some municipalities also begin accepting payments in BTC, ETH and others.

What bills can you pay with crypto?

There are some service providers who accept direct crypto payments via BitPay, including AT&T, Dish TV and Sling TV just to name a few. It is pretty straightforward. You just connect your compatible wallet with the merchant of choice and select BitPay as the payment option when checking out.

If you get your hands on the BitPay crypto debit card, you will be able to pay with it anywhere Mastercard is accepted. It is a smooth and flexible way of paying your bills with cryptocurrencies and signing up takes only around 10 minutes.

You are also able to pay for your gym subscription with cryptocurrency. Equinox, a luxury fitness club chain with more than 100 locations around the world, accept cryptocurrencies for their membership.

Bitrefill offers a quick and unequivocal way for you to pay your bills if you live in Australia. The Bill Fairies gift card allows you to pay over 15.000 different bills including electricity, gas, internet, phone and many more.

The good news is that cryptocurrencies are gaining popularity as a means of payment, and many businesses now accept digital currencies for various bills. You can pay for almost anything using Bitcoin, Ether, Litecoin, Ripple, or any other major cryptocurrency.

Here are some bills that you can pay with crypto:

  • Rent: You can use crypto to pay rent directly to your landlord or through platforms like ManageGo.
  • Utilities: Some companies like BitPay allow you to pay electricity, gas, water, and phone bills in BTC.
  • Credit Card Bills: Bill-pay companies such as Coinsfer support BTC payments for credit card bills.
  • Student Loans: Many lenders like Sallie Mae allow borrowers to make payments using Bitcoin.


  • Fast transaction processing and low fees compared to traditional banking systems.
  • Privacy and security since payments are made without revealing personal information.
  • Cryptocurrencies provide an alternative payment option for those who cannot access bank accounts or credit cards.


  • Cryptocurrencies are still not widely accepted as a means of payment by most merchants.
  • The volatility of cryptocurrency prices may result in unpredictable changes in value during transactions.
  • Technical challenges such as managing private keys or seed phrases could lead to losing funds if they get lost or stolen.

Different ways to pay your bills with crypto

To pay your bills with Bitcoin, you can consider getting a Bitcoin debit card that allows you to convert cryptocurrencies into fiat currency.

Another option is to use Bitcoin-powered bill pay services like Coinsfer in the United States that accept BTC payments for subscriptions, bills, and products on behalf of their customers.

Lastly, some merchants accept direct crypto payments so you can pay them directly using cryptocurrencies without conversion and service charges.

utility bills

Bitcoin debit cards

If you’re looking for an easy way to use your digital coins in the conventional marketplace, Bitcoin debit cards are a great option that can quickly convert your BTC into USD or EUR with small processing fees.

With these debit cards, you can shop at any store just like you would with your standard bank issued debit card or credit card. The merchant always gets paid in their local currency, and it’s possible to sign up for an auto-pay system just like you would with a typical credit or debit card.

Here are three things to keep in mind when using Bitcoin debit cards:

  1. Each transaction will have a small processing fee, but it will be a lot less than what you would pay to convert your crypto coins to fiat currency on a cryptocurrency exchange like Coinbase or Binance.
  2. The conversion protocol used by most Bitcoin debit cards quickly converts your BTC into USD or EUR when using the card at a merchant’s location.
  3. You can easily manage and monitor your transactions through mobile apps provided by the companies issuing the cards.

Crypto debit cards make it convenient and efficient to spend cryptocurrency directly without worrying about converting them first. However, if you prefer not to use a physical card, there are other options available such as bitcoin powered bill pay services that allow direct payments from your digital wallet for bills and subscriptions.

Bitcoin Powered Bill Pay Services

If you’re interested in Bitcoin-powered bill pay services, there are several options available to consider.


You’ll discover that Bity is a trusted and secure platform that allows you to easily convert fiat money into cryptocurrency and send it anywhere, providing greater financial freedom.

With over 78,000 users in 98 countries, Bity follows industry best practices for account security and privacy while also being Swiss regulated and AML compliant.

Using Bity, you can pay bills and shop online with cryptocurrency by converting EUR or CHF into BTC or ETH. Additionally, Bity supports SEPA transfers for bill payments and money transfers, making it easy to use crypto for all your financial needs.

Spritz Finance

Spritz Finance offers seamless integration of your on and off-chain finances, allowing you to easily connect your crypto wallet with IRL expenses and earn while managing your finances.

With Spritz Finance, you can program payments instantly without the need to unwind positions or off-ramp to a bank. The platform offers a one-step off-ramp process that saves time and fees.

You can load your SpritzCard with crypto and use it to pay for anything in the real world. The platform unlocks financial utility from crypto and on-chain earnings, connecting thousands of traditional finance accounts so that you can pay any bill under the sun, including credit cards, rent, utilities, and subscriptions like Netflix and Hulu by connecting your credit card to Spritz Finance.

Users can link their preferred crypto wallet like MetaMask, Coinbase Wallet, Ledger or others supported by the platform to make payments with any crypto held on Polygon, Ethereum Mainnet, Avalanche, BNB Chain among others including major stablecoins and non-stablecoin tokens.


Looking for a safe and reliable payment option to manage your finances with crypto? Check out SwapinPay! They’re a licensed services provider under European regulation and offer innovative solutions for paying bills or transferring money using cryptocurrencies.

With fees starting from 0.9%, you can choose the crypto asset you want to pay with and enjoy instant conversion and settlement without any crypto risk. SwapinPay also provides personalized service with dedicated account managers who can assist you with setup and any questions you may have.

Plus, there are no accounting issues or price volatility risks thanks to the easy transfer process. Simply enter the SEPA bank account details of the recipient and transfer your crypto from your personal wallet or scan QR code, while your chosen cryptocurrency is instantly exchanged for money (EUR, GBP).

Read our detailed review on SwapinPay if you want to learn more.


Gilded is a New Orleans-based company that provides secure and privacy-focused solutions for businesses to simplify their crypto accounting and payment processes.

With its Bill Pay portal, Gilded allows businesses to send crypto payments and track expenses while adding context to outgoing transactions for accurate accounting.

Its 100% non-custodial solutions support over 30 currencies, including BTC, ETH, and major stablecoins.

Additionally, expenses can be synced to QuickBooks and Xero with automated crypto accounting while blockchain provides an immutable record of payment for reporting expenses.

Gilded integrates seamlessly with QuickBooks and supports formatted CSV upload for Xero while also offering contact management tools to make paying expenses in crypto easy.

The Bill Pay feature is available to all users, including free ones who have a $2,500/mo limit on payment volume.

Direct crypto payments

You can easily use cryptocurrency to directly settle your expenses with merchants who accept this form of payment, eliminating the need for intermediaries or service charges. Direct payments are a popular choice among crypto enthusiasts since it allows them to bypass banks and financial institutions that may charge high fees or delay transactions.

Here are some tips on how to pay bills with cryptocurrency directly:

  • Check if the merchant accepts cryptocurrency as a form of payment.
  • Initiate the transaction by scanning the QR code provided by the merchant or entering their wallet address.
  • Confirm the amount and currency before sending the payment.
  • Wait for confirmation from the blockchain network, which may take a few minutes to hours depending on network congestion and transaction fees.
  • Keep track of your spending and receipts using a crypto portfolio tracker app.

Using direct crypto payments may have its advantages in terms of speed, cost-effectiveness, privacy, and security.

pay bills with crypto

Advantages of using cryptocurrency to pay bills

With cryptocurrency, you can break free from the shackles of government oversight and directly transfer funds anywhere in the world using a peer-to-peer blockchain network. This means that you don’t have to worry about intermediaries or financial institutions holding your money.

You can also avoid transaction fees charged by banks since cryptocurrencies offer low transaction fees compared to traditional payment methods.

Another advantage of using cryptocurrency to pay bills is its convenience. You only need an active internet connection to make payments in cryptocurrency, which allows you to make payments quickly and easily from anywhere in the world.

Cryptocurrency also offers a level of privacy since transactions are recorded on a public ledger without revealing personal information like credit card numbers or bank account details.

Disadvantages of using cryptocurrency to pay bills

Using cryptocurrency for transactions can come with drawbacks. These include transaction fees, lack of regulation in some countries, and the risk of losing private keys or seed phrases.

Transaction fees are charged by blockchain networks to process payments made in cryptocurrencies. These fees can vary depending on the network’s congestion and the amount being transferred. While these fees may be minimal compared to traditional payment methods like wire transfers or credit card processing fees, they can still add up over time.

Cryptocurrencies are not regulated in some countries, which means that if funds are lost due to hacking or scams, there is no way to claim money back. Additionally, users need to ensure their private keys and seed phrases are secure as losing them could mean losing access to their funds permanently.

The highly volatile nature of cryptocurrencies also poses a risk since prices can fluctuate rapidly. Users who rely solely on crypto for bill payments may find themselves unable to pay bills if prices dwindle too much or have to pay more than expected if they rise suddenly.

Frequently Asked Questions


Are there any limits on how much you can pay in bills using cryptocurrency?

When you pay bills directly with cryptocurrency, there may be limits on how much you can pay depending on the utility provider or company accepting the payment. It’s important to check their policies beforehand and see if they have any restrictions in place.

Additionally, some cryptocurrency exchanges or wallets may also have daily or monthly limits on transactions. However, these limits can vary widely and are dependent on several factors such as verification status, transaction volume, and geographic location.

Can you use any type of cryptocurrency to pay bills or are there specific ones accepted?

However, not all cryptocurrencies are accepted as payment methods for bills. Each utility provider or business has its criteria for accepting payments in digital currency. Therefore, it’s essential to check with the merchant beforehand to see which type of cryptocurrency they accept.

What happens if you accidentally send the wrong amount of cryptocurrency when paying a bill?

Crypto transactions are irreversible and there is no central authority that can assist you to get your coins back. Your only option is to get in touch with the recipient and ask him to give your crypto back.

To avoid such situations, always double-check the amount and address before initiating any transaction.

How do you keep track of your cryptocurrency payments and transactions when using it to pay bills?

Most wallets or crypto exchanges (if you use such) keep a history of your transactions.


Now that you know how to pay bills with cryptocurrency, you can take advantage of all the benefits that come with using digital assets as a payment method. Whether you’re looking for a more secure and private way to make payments or simply want to diversify your portfolio, paying bills with crypto is a great option.

Plus, with more and more businesses accepting cryptocurrency as a form of payment, it’s easier than ever to use your digital assets in everyday transactions.

However, it’s important to keep in mind the potential disadvantages of using cryptocurrency to pay bills. While transaction fees may be lower than traditional payment methods, the volatility of crypto prices can make budgeting difficult. Additionally, not all businesses accept cryptocurrency yet, so you may have limited options when it comes to paying certain bills.

As with any financial decision, it’s important to weigh the pros and cons before making a choice. As they say, “Don’t put all your eggs in one basket.” Using cryptocurrencies as a payment method is like adding another basket for your financial eggs. It allows you to diversify where and how you spend your money while also providing added security and privacy measures.

With careful consideration and research into which businesses accept cryptocurrency payments for what services, paying bills with crypto can be an easy and worthwhile addition to your financial routine.

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