Instant payment wallet

Get paid instantly.

Create a payment link, let anyone pay by card or crypto, and receive digital dollars in your OwnPay wallet — in seconds, not weeks.

Open OwnPay See how it works

How it works

Three steps. About thirty seconds.

Create a link

Generate a payment link or QR code from your dashboard in seconds. Set a fixed amount or leave it open.

They pay by card or crypto

Share the link anywhere. The person paying chooses card or crypto at checkout — no app to install.

You receive digital dollars

Funds settle to your OwnPay wallet as USDT, the digital dollar. Self-custody. Yours from the second it lands.

Why OwnPay

A wallet built around the payment link.

Settles in seconds

Higher-risk verticals usually wait 7-21 days for a payout. With OwnPay, the funds land in your wallet by the time the page closes.

Payment links and QR codes

One link, one QR. Drop it in a bio, a video, a chat. Anyone with it can pay you.

Card or crypto checkout

Payers choose what they prefer. Card payments handled by trusted partners; crypto direct from any wallet.

Digital dollar wallet

Receive in USDT — the digital dollar. Stable value, no waiting on bank hours.

Direct USDT fallback

If a region isn't yet supported for card checkout, payers can still send USDT directly to your wallet.

No bank approval needed to receive

Your wallet is yours. You don't need a bank to underwrite or approve the act of receiving funds.

The OwnPay loop

Every payment can create another wallet.

When someone pays through an OwnPay link, they sign in with email, Google, Apple or passkey — and an OwnPay wallet is created for them in the background. Each payment is a new entry point to the network. The more people use OwnPay to pay, the bigger the network of OwnPay wallets becomes.

Pricing

Speed is the product.

Most providers in higher-risk verticals hold funds for 7-21 days before paying out. OwnPay settles in seconds.

Direct USDT

0% from OwnPay

Payer sends USDT straight from their wallet or exchange to yours. OwnPay adds nothing on top.

Standard network gas applies on the payer's side.

Card / checkout

Instant settlement

Funds in your wallet seconds after the payer's card clears — instead of the 7-21 day hold most card processors put on higher-risk verticals.

All-in fee on the card path is 12.5% — OwnPay's share is 5%; the rest is the card processor and payment partners delivering the transaction. Deducted in USDT and shown before any payment is taken. Card issuance and top-up have their own fees, shown at the point of use.

Trust & safety

The boring, important details.

Not anonymousOwnPay is not an anonymous service. Account activity is recorded and may be reviewed by partners where required by law.
Tax and legal obligations stay with youOwnPay does not help users avoid tax, reporting or legal obligations. Income remains your responsibility.
Card features may require KYCWhere card features are available, identity verification (KYC) may be required by the card-issuing partner.
Local laws applyUsers are responsible for using OwnPay in line with the laws of their country. Some features may not be available in every region.

Start with your OwnPay link today.

Open OwnPay View supported countries