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Self-custodial payments

Accept crypto. Keep every coin.

DCO Gate settles Bitcoin, Lightning and stablecoin payments directly into a wallet only you control. No middleman holding your money, no chargebacks, and nothing to pay on your first $50,000 of volume.

No setup fee Live in under 10 minutes Your keys, always
InstantLightning settlement
0% custodyFunds never touch us

Settle in the assets your customers already hold

Bitcoin Lightning Ethereum USDT USDC Litecoin Dogecoin Dash
0%

Fees on your first $50,000

100%

Of every payment reaches your wallet

<1s

Typical Lightning confirmation

24/7

Monitored infrastructure

Why DCO Gate

A payment gateway that never holds your money

Most processors take custody first and pay you later. We do the opposite: your customer pays, and the funds arrive in your wallet in the same transaction.

Direct-to-wallet settlement

Connect the wallet you already use. Every invoice is paid straight to an address you derive, so there is no balance to withdraw and nothing for us to freeze.

Lightning-fast checkout

Lightning invoices confirm in about a second for a fraction of a cent, which makes small baskets and digital goods finally worth accepting in crypto.

No chargebacks, ever

Settlement on a blockchain is final. Once an invoice is confirmed, that revenue is yours — no disputes months later, no reserve held against your account.

Checkout, buttons and invoices

Ship a hosted checkout page, drop a pay button into any HTML, or email a payment request. Every surface is branded with your store, not ours.

An API built for developers

A REST API, signed webhooks and API keys scoped per store. Create an invoice in three lines and let your backend react the moment it settles.

Borderless by default

Take payment from anyone with a wallet and an internet connection. No card networks to decline the transaction, no country list to check first.

How it works

Three steps to your first payment

1

Create your store

Sign up, name your store and pick the currency you price in. It takes about two minutes and no documents.

2

Connect your wallet

Paste the extended public key from the wallet you already trust. We can derive receiving addresses from it, but we can never spend from it.

3

Take payments

Share a checkout link, embed a pay button or call the API. Funds land in your wallet and a webhook tells your system it happened.

Custody

The difference between “your money” and “your balance”

A custodial processor credits you a number in their database and decides when you may withdraw it. A self-custodial gateway hands you the coins. Only one of those survives the processor having a bad week.

  • No withdrawal requests, holds or payout schedules
  • No rolling reserve carved out of your revenue
  • Your funds are unaffected by our uptime or our solvency
  • Every payment is verifiable on-chain by anyone, including you

Where the money goes

Your customer
Scans the invoice and pays
DCO Gate
Prices, watches and confirms — never holds
Your wallet
Receives the payment in full

Developers

One call to create an invoice

Authenticate with a store-scoped API key, create an invoice, redirect your customer. A signed webhook tells you the moment it settles, so your fulfilment logic stays where it belongs — in your backend.

  • REST API with predictable JSON and idempotent creates
  • HMAC-signed webhooks with automatic retries
  • Embeddable pay button — no framework required
const res = await fetch(
  "https://app.dcogate.org/api/v1/stores/STORE_ID/invoices",
  {
    method: "POST",
    headers: {
      "Authorization": "token YOUR_API_KEY",
      "Content-Type": "application/json"
    },
    body: JSON.stringify({
      amount: "149.00",
      currency: "USD",
      metadata: { orderId: "A-10427" }
    })
  }
);

const invoice = await res.json();
redirect(invoice.checkoutLink);

Pricing

Free until you are actually big

One number decides your plan: how much you have settled in the last twelve months. Nothing else — no per-transaction pricing, no monthly platform fee.

Starter

For individuals and businesses taking their first crypto payments.

Free

No card required, no expiry

Up to $50,000 settled
  • Zero fees on every invoice
  • Hosted checkout and pay buttons
  • Full REST API and webhooks
  • Unlimited invoices and stores
  • Email support
Start for free

Personal or business use

Enterprise

For platforms, marketplaces and high-volume merchants.

Custom

Priced to your volume and setup

Above $200,000 settled
  • Everything in Growth
  • Negotiated rate on settled volume
  • Dedicated infrastructure options
  • Custom SLA and onboarding support
  • Multi-store and sub-account structures
Contact us

Reply within one business day

Network fees are paid by the payer and never touch our pricing. See the full breakdown

FAQ

Questions we get asked first

No. You connect a wallet you control, and invoices are paid to addresses derived from it. We never take possession of the coins, which is also why there is no withdrawal process to wait on.

The total value of invoices settled through your account over a rolling twelve months, measured in USD at the time each invoice was paid. Below $50,000 you pay nothing at all, whether you are an individual or a company.

Most merchants take their first payment within ten minutes: create a store, paste a wallet key, and either share the checkout link or drop a pay button into your existing page.

Yes. Price in USD, EUR or another supported currency and each invoice quotes the crypto amount at the market rate, locked for the payment window so neither side carries the volatility mid-checkout.

Your first $50,000 is on us

Create a store, point it at your own wallet and take your first payment today. No contracts, no monthly minimum, no cut of your first fifty thousand dollars.