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.
Self-custodial payments
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.
Settle in the assets your customers already hold
Fees on your first $50,000
Of every payment reaches your wallet
Typical Lightning confirmation
Monitored infrastructure
Why DCO Gate
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.
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 invoices confirm in about a second for a fraction of a cent, which makes small baskets and digital goods finally worth accepting in crypto.
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.
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.
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.
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
Sign up, name your store and pick the currency you price in. It takes about two minutes and no documents.
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.
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
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.
Developers
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.
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);
// Verify the signature before trusting the payload
app.post("/webhooks/dcogate", (req, res) => {
const signature = req.header("DCOGate-Sig");
const expected = sign(req.rawBody, process.env.WEBHOOK_SECRET);
if (signature !== expected) return res.sendStatus(400);
if (req.body.type === "InvoiceSettled") {
fulfilOrder(req.body.metadata.orderId);
}
res.sendStatus(200);
});
<form method="POST" action="https://app.dcogate.org/api/v1/invoices">
<input type="hidden" name="storeId" value="STORE_ID" />
<input type="hidden" name="price" value="24.00" />
<input type="hidden" name="currency" value="USD" />
<button type="submit">Pay with crypto</button>
</form>
Pricing
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.
No card required, no expiry
Up to $50,000 settledPersonal or business use
Growth
For merchants whose crypto volume has become a real revenue line.
Billed annually on settled volume
$50,000 – $200,000 settledFee applies only above $50,000
Enterprise
For platforms, marketplaces and high-volume merchants.
Priced to your volume and setup
Above $200,000 settledReply within one business day
Network fees are paid by the payer and never touch our pricing. See the full breakdown
FAQ
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.