Accept Crypto Payments on WooCommerce (2026 Guide)
You want your WooCommerce store to take crypto, and you want the money to land in your wallet, not sit on someone else’s balance sheet. That is the whole job. The MutoPay plugin does it in one click: your customer pays with any token on any chain, and you receive USDC or USDT straight to your own wallet, usually in under a minute, at a flat 0.5%.
The plugin is live in the WordPress.org directory, so you install it the same way you install any other plugin.
What You Actually Get
Three things matter when you pick a crypto gateway, and they are the three things most of them get wrong.
- The money is yours. MutoPay is non-custodial. We never hold your funds. The stablecoin settles directly to the wallet address you set, so there is no processor balance to withdraw from and no counterparty to trust.
- One fee, no surprises. 0.5% per transaction. No monthly fee, no withdrawal fee, no conversion spread, no minimum.
- Any token, any chain, one payout. Customers pay from whatever they hold across 10 chains (Ethereum, Polygon, Arbitrum, Base, Optimism, Avalanche, BNB, plus TON, Solana, and Tron). You always receive the one stablecoin you chose.
How It Compares
Most “crypto for WooCommerce” plugins fall into one of a few buckets: they hold your money, they settle to fiat and take a cut, they only move crypto-to-crypto, or they ask you to run your own server. Here is the honest layout.
| Gateway | Fee | You receive | Runs where |
|---|---|---|---|
| MutoPay | 0.5% flat | USDC/USDT in your own wallet | Hosted + one-click plugin |
| Coinbase Commerce | ~1% | Crypto | Hosted |
| BitPay | ~1% + fixed fee | Fiat to your bank | Hosted |
| NOWPayments | ~0.5% | Crypto (you pick a payout coin) | Hosted |
| BTCPay Server | 0% (you pay hosting) | Crypto, BTC-first | You self-host a server |
| Aurpay | ~0.8% | Crypto or fiat | Hosted |
Fees and terms change, so check each provider’s current pricing before you commit. The dividing line that does not change is custody and chains: BitPay routes you back to fiat and a bank, BTCPay hands you zero fees but a server to maintain, and most of the rest stop at EVM chains. MutoPay covers TON, Solana, and Tron too, which is where a lot of real customer balances actually sit. For a head-to-head on the best crypto payment gateway for WooCommerce with the exact fees and custody model of each, or the general criteria in what to look for in a crypto payment gateway.
Setup, Start to Finish
No API keys to copy and paste. The plugin connects over OAuth.
- In WP Admin, go to Plugins > Add New and search for “MutoPay for WooCommerce”, then install and activate. WordPress drops you on the MutoPay settings page.
- Click “Connect to MutoPay” and authorize with your merchant account. The plugin pulls your credentials, webhook URL, and signing secret automatically.
- Set your settlement wallet in your MutoPay dashboard if you have not already. The plugin will not let you enable the gateway without one, which is deliberate: no wallet, no payout.
- Enable the payment method. Done.
That is the full setup. New to crypto acceptance in general? Start with how to accept crypto payments.
How an Order Flows
The plugin keeps WooCommerce order status in sync with the on-chain payment, so your fulfilment logic keeps working unchanged.
- Customer picks “Pay with Crypto” at checkout (works with both block and classic checkout).
- WooCommerce creates the order and sets it to on-hold.
- The customer lands on the MutoPay payment page and chooses their token and chain.
- They pay. MutoPay sends a signed webhook and the order moves to processing or completed.
- The customer is redirected back to your Thank You page with the current status.
If a payment expires or fails, the order is cancelled automatically and the customer gets a link back to your store. Every webhook, delivered or failed, is written to the order notes, so you have an audit trail without digging.
When a Webhook Goes Missing
Webhooks fail sometimes, usually because a server hiccuped, not because anything is wrong with the payment. So the plugin does not rely on them alone. It re-checks pending payments every 15 minutes over WooCommerce cron, and you can force a re-check on any order from the admin with one click. A missed webhook costs you minutes, not a lost sale.
FAQ
Is MutoPay custodial? No. Funds never touch MutoPay. The stablecoin settles directly to the wallet address you control.
What does it cost? A flat 0.5% per transaction. No monthly fee, no withdrawal fee, no spread on the conversion.
Which coins can my customers pay with? Any token across 10 chains: Ethereum, Polygon, Arbitrum, Base, Optimism, Avalanche, BNB, TON, Solana, and Tron. Whatever they send, you receive USDC or USDT.
Do I need to run a server? No. Unlike self-hosted options, MutoPay is a hosted gateway with a one-click plugin. The only thing you provide is the wallet you want to be paid into.
Does it work with block checkout and classic checkout? Both. The plugin supports the newer block-based checkout and the classic checkout.
What happens if a customer’s payment fails or expires? The order is cancelled automatically and the customer sees a link back to your store. Nothing is left hanging.
Get Started
Install the plugin from WordPress.org, connect it to your MutoPay dashboard, set your wallet, and switch it on. Your customers pay with whatever they hold, and the stablecoin lands in your wallet.