0pay
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Accounts in a company’s name are not open yet.

Everything on these pages is in the same app a sole trader uses for their own work.

Getting paid

Get paid by bank transfer, in crypto or over Lightning.

Each currency has its own account and its own way in. You share the details that suit the person paying you, and the money lands in the account it was sent to.

  • IBAN details to put on your own invoices
  • An exact bitcoin amount over Lightning, with a note and an expiry
  • Deposit details you can ask for when an account has none
  • Held payments you release by saying whose wallet sent them
Add money on a wide screen: the euro account’s bank transfer details, with the IBAN in groups of four, the BIC and Copy all details
A Lightning payment request for an exact bitcoin amount, with its note, waiting to be paid, and the time it expires

Three ways money reaches you

  1. Share your IBAN

    Add money shows the euro account’s IBAN in groups of four, so it is easy to read out and check. Copying it removes the spaces, because bank forms refuse them.

  2. Request a payment over Lightning

    On a bitcoin account, create a payment request for an exact amount in satoshis, with a note saying what it is for and how long it stays open. Give it to the person paying you. A request nobody paid in time is marked expired, which is normal.

  3. Release a held payment

    When a crypto payment stops on arrival, Money coming in says why and what it needs. Tell the app whose wallet sent it. If the wallet is yours, prove it by signing a sentence the app gives you, or with an identity check.

Deposit details when you need them

If a crypto account has no deposit details yet, press “Get deposit details” and the app issues them; after that they stay the same. An on-chain address comes with a QR code and names both the currency and the network, because the wrong coin sent to a right-looking address is lost for good. Below, the account’s Lightning requests say whether each is waiting to be paid or has expired.

Add money for a bitcoin account: no deposit details yet and the button to get them, with Lightning requests below, one waiting to be paid and one expired

Money waiting on you, seen from a desk

Money waiting on you lists what arrived and stopped, what was sent back and what did not arrive. A held payment says why it stopped and what you need to do, such as telling the app whose wallet sent it. When there is nothing for you to do, it says so instead of showing a button. Sent back and did not arrive are shown apart, each with its own sentence, because they are not the same thing.

Money waiting on you on a wide screen: a USDC payment on hold until you say whose wallet sent it, one sent back and one that did not arrive

Turn it into euro

If customers pay you in crypto but you keep your books in euro, a standing order converts what arrives in a crypto account into euro, and can send it on to a destination you trust. Its details show what it has done, with Pause and Cancel this order at the bottom.

How standing orders work
A standing order’s details: active, USDC converted to euro and sent on, the conversions it has made, and Pause and Cancel this order

Questions about getting paid

Does 0pay create invoices?

No. 0pay gives you the details to put on the invoices you make yourself: the euro account’s IBAN details for bank transfers, or a Lightning payment request for an exact bitcoin amount.

Can a payment request expire?

Yes, on its own. You choose how long it stays open when you create it. A request nobody paid in time is marked expired, and that is the ordinary outcome, not an error. Each press creates a new request, so give the payer only the one you mean.

What if a customer’s payment is held?

It appears under Money coming in, with the reason it stopped and what it needs from you. Usually that is saying whose wallet sent it. If the wallet is yours, you prove it; if the money came from an exchange, the app may be waiting on that exchange. Held money has not reached your balance, so it is not in Activity yet.

Can I keep currencies apart?

Yes. Each currency is its own account, with its own balance and its own deposit details. The app never adds them into one total, because a total would need an exchange rate, and a rate is not a balance.

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