Settlepay is invoicing for freelancers your bank doesn't want. Send a link, your client pays in USDC, USDT, or DAI on Base, Polygon, Arbitrum, or Optimism — funds go wallet to wallet, we never touch the money. No SWIFT, no Stripe, no chargebacks, no frozen accounts. Free up to $1k/mo invoiced. Pro $19/mo (or $299 lifetime). Agency $49/mo with 10 shared seats. UI in English, Ukrainian, Spanish. Built for the half of the world Stripe doesn't serve.
Hey PH 👋
Vitalii here — Settlepay maker.
I built this after watching a friend in Kyiv lose $400 of a $5,000 invoice to wire fees, FX spread, and his bank's 9-day "international transfer review." He's a senior backend engineer working for a US fintech. Stripe doesn't operate in Ukraine, Wise's KYC takes weeks, and the crypto "solutions" his clients tried were a wallet address in a Telegram message.
The fix turned out to be technically simple: generate a payment page, listen for the on-chain Transfer event, flip the invoice to Paid, send a receipt. Stripe-style UX, crypto-native plumbing, non-custodial by design — we never touch the money.
Three things I'd love your feedback on:
1. Onboarding — is "paste wallet → send invoice" the 60-second flow I think it is, or do you bounce somewhere?
2. The /about page — is the "why we built this" clear, or does it read as crypto-bro?
3. Pricing — Free $1k/mo cap, Pro $19/mo, Agency $49/mo for 10 seats, all paid in USDC. Fair, too aggressive, or too generous?
First 50 PH commenters get Pro for life — DM with the email you signed up with.
Roadmap next quarter:
- Sign-in with Ethereum (SIWE) — wallet-only auth
- Recurring invoices for retainer clients
- Built-in on-ramp via Transak so clients without crypto can still pay
Built solo in 12 days. €20/mo to run. Open to every flavor of feedback, especially from freelancers in Ukraine, Argentina, Nigeria, Brazil, Vietnam, Philippines, Turkey — anywhere getting paid internationally is harder than it should be.
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