// payments · self-hosted btcpayserver · direct settlement

Pay with any cryptocurrency.

Bitcoin (on-chain and Lightning), Monero, Litecoin, Dash, Dogecoin, and USDT (ERC-20 & Polygon) settle directly to our own self-hosted, non-custodial BTCPayServer node — no third-party processor, no account, no swap. Holding something else? Swap it to Bitcoin Lightning via FixedFloat in one step — that path works too.

Get your invoice How it works ↓

// pay direct, or swap the rest · non-custodial · no account anywhere

// two ways to pay

How it works

It depends on what you hold. A handful of coins settle straight to our own node — pick one and pay. Everything else takes one extra step through an instant swap.

Path A — pay directly: Bitcoin (on-chain & Lightning), Monero, Litecoin, Dash, Dogecoin, USDT (ERC-20 & Polygon)

Pick your coin at checkout

Open your invoice in the Zergrush billing area and choose your coin — Monero, Bitcoin, Lightning, Litecoin, Dash, Dogecoin or USDT (ERC-20 & Polygon).

Send to the address shown

Our self-hosted BTCPayServer node generates a fresh address and the exact amount (with a QR). Pay it from your own wallet — no account, no processor between us.

Paid on confirmation

The invoice flips to paid the moment the network confirms — seconds on Lightning, a couple of minutes on most chains. Funds land directly with us, non-custodial.

Path B — holding something else? Swap it to Bitcoin Lightning

If your coin isn't one of the six above (say SOL, XRP, ADA, TRX, BCH, or USDT on Tron…), route it through a one-step instant swap. No registration, no KYC for the swap itself.

Get your Lightning invoice

In billing, choose Bitcoin Lightning as the payment method. You'll see an LN invoice starting with lnbc…. Copy it.

Swap at FixedFloat

Go to fixedfloat.com. Pick your source coin on the Send side and Bitcoin (Lightning) on the Receive side. Paste the LN invoice as the destination — FixedFloat reads the amount automatically.

Send. Done.

Send your source coin to the FixedFloat deposit address shown. The swap completes and the invoice settles on Lightning — typically ~3 minutes from copy to paid.

FixedFloat exchange widget configured for an instant swap to Bitcoin Lightning

// FixedFloat widget — the swap path, for coins we don't take directly. Any source coin → Bitcoin Lightning.

// supported coins

Pay us with anything you have

We accept Bitcoin (on-chain & Lightning), Monero, Litecoin, Dash, Dogecoin, and USDT (ERC-20 & Polygon) directly — settled through our own self-hosted, non-custodial BTCPayServer node, with no third-party processor in the middle. Hold something else — including USDT on Tron (TRC-20)? Swap it to Bitcoin Lightning via FixedFloat in one step. Here are the coins people pay us with most:

◆ Paid directly — straight to our BTCPayServer node:

Bitcoin

BTC · on-chain & LN

Monero

XMR

Litecoin

LTC

Dash

DASH

Dogecoin

DOGE

Tether

USDT · ERC-20 & Polygon

↳ Everything else — one-step swap to Bitcoin Lightning:

Bitcoin Cash

BCH

Solana

SOL

Tron

TRX · USDT-TRC20

Ripple

XRP

Cardano

ADA

BNB

BNB · BEP20

Plus these — same swap, smaller crowd:

Zcash

ZEC

Avalanche

AVAX

Polkadot

DOT

Cosmos

ATOM

Kaspa

KAS

NEAR

Toncoin

TON

Aptos

APT

Algorand

ALGO

Stellar

XLM

+ 60 more on FixedFloat — from ARB and BAT to TEZ and VET.
If it trades on FixedFloat, you can pay with it via the swap. See the full list at FixedFloat.

// the swap target

Why swaps land on Lightning, not on-chain BTC

For coins we don't settle directly, we point the swap at Bitcoin Lightning rather than on-chain Bitcoin. (Prefer plain on-chain BTC? That's one of the six you can pay directly — no swap.) Here's why Lightning makes the better swap target:

// instant

Lightning payments settle in seconds. No waiting for 1, 3, or 6 on-chain confirmations.

// cheap

Sub-cent network fees. The swap fee from FixedFloat (0.5–1%) is the only meaningful cost.

// final

Once the invoice clears, it's done. No reversals, no chargebacks, no "pending" purgatory.

// private

Lightning routes payments through nodes. No public on-chain transaction tying you to us.

// faq

Common questions

Which coins can I pay directly, with no swap?

Bitcoin (on-chain & Lightning), Monero, Litecoin, Dash, Dogecoin, and USDT (ERC-20 & Polygon). These settle straight to our own self-hosted, non-custodial BTCPayServer node — no third-party processor, no account. Any other coin uses the one-step FixedFloat swap described above.

Do I need a Lightning wallet?

Not usually. Paying directly with one of the native coins, you just send from that coin's own wallet (a Monero wallet for XMR, and so on) — no Lightning wallet needed. On the swap path, the Lightning invoice from our system goes into FixedFloat as the destination and FixedFloat pays it, so you still only need the wallet holding your source coin.

Is FixedFloat KYC?

FixedFloat is a non-custodial swap, no signup required. They can flag/freeze addresses that look like sanctioned-origin funds (chain-analytic compliance); normal user activity is unaffected. We don't have any influence on or visibility into their compliance decisions.

What if I send the wrong amount?

Use the Fixed rate order type on FixedFloat — you lock in a rate for ~10 minutes and send exactly the displayed amount. Send less than the minimum and FixedFloat will refund (minus network fees); send more and they refund the excess. The LN invoice itself has the exact amount embedded — no room for math errors on our end.

How long does it actually take?

Mostly your coin's own confirmation time — Lightning is seconds, LTC ~2 min, on-chain BTC ~10 min, XMR ~20 min. Paying directly, that's the whole wait. On the swap path, add a few seconds for the swap plus the source coin (e.g. ETH ~30 sec, SOL seconds) to confirm. End-to-end usually under 5 minutes for fast chains, 20–30 minutes for Monero.

Can I do this on mobile?

Yes. FixedFloat works in any modern mobile browser. Most LN-aware wallets also support a "scan QR" or "paste invoice" flow — but here the invoice goes into FixedFloat, not your wallet, so any browser works.

What about my privacy?

Lightning payments don't publish to a public ledger the way on-chain BTC does. FixedFloat doesn't require registration.

My LN invoice expired before I could pay. What now?

LN invoices typically expire in 10–60 minutes. Just regenerate a new one from your billing area and paste the fresh invoice into FixedFloat. The underlying invoice obligation hasn't changed — only the LN payment request.

// disclaimers

We have no affiliation with FixedFloat. No referral arrangement, no kickback, no commercial relationship. We use them as an example because they're fast, non-custodial, and don't require an account — and we wanted to give you concrete steps instead of vague "use any exchange" advice.

FixedFloat is one option of many. Other instant-swap services work the same way: SimpleSwap, ChangeNOW, StealthEX, Godex, and others. Same pattern — pick source coin, pick "Bitcoin Lightning" as destination, paste your LN invoice, send. Pick whichever you trust or have used before.

Every service has its own rates, limits, and compliance posture. We don't guarantee any of them, and we can't help with disputes between you and a third-party exchange.