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Cryptocurrency bill payment services

Compare ways to pay your bills with Bitcoin or another cryptocurrency.

If you’re searching for ways to use your cryptocurrency in the real world, one option worth considering is paying your bills. With the help of cryptocurrency bill payment services, you can use your digital currency to pay everything from utilities and credit card bills to your weekly rent.

Disclaimer: This page is not financial advice or an endorsement of digital assets, providers or services. Digital assets are volatile and risky, and past performance is no guarantee of future results. Potential regulations or policies can affect their availability and services provided. Talk with a financial professional before making a decision. Finder or the author may own cryptocurrency discussed on this page.

How to pay bills with cryptocurrency

One of the criticisms regularly leveled at digital currencies is that they aren’t widely accepted enough to make them a viable alternative to traditional fiat currencies. However, it’s entirely possible to pay bills with bitcoin and other major cryptocurrencies.

  • Cryptocurrency bill payment platforms. These platforms, like Coinsfer, automatically convert your cryptocurrency to USD so you can pay your bills online.
  • Bitcoin debit cards. Bitcoin debit cards work just like any other debit card and can be used to pay bills wherever payment by debit card is accepted.
  • Direct to biller. Some companies and service providers now accept BTC and other digital currencies as a direct form of payment, so it’s worth asking if you can pay your bill with cryptocurrency.

How do cryptocurrency bill payment services work?

These services convert your crypto coins or tokens into USD and then send the necessary amount to the biller. The basic process may vary slightly between platforms, but it’s generally as follows:

  1. You enter your bill amount in USD and provide the payment details, for example the biller’s account details, email or bill payment URL.
  2. You select the cryptocurrency you want to use to pay your bill.
  3. You’re quoted an exchange rate for converting your cryptocurrency into USD.
  4. If you’re happy with the rate and any extra fees that may apply, you submit your transaction and pay your bill.

What bills can I pay?

You can use cryptocurrency to pay for a hugely diverse range of bills, including the following:

  • Electricity and gas bills
  • Phone bills
  • Internet
  • Rent
  • Credit card bills
  • Gym memberships
  • Car insurance premiums
  • Home insurance premiums
  • Health insurance premiums
  • Tax bills

Exactly what type of bills you can pay depends on what service you’re using. For example, Coinsfer pays bills using a credit card, so you can use it to pay any bills that accept credit card.

Are there any transaction limits?

Each bill payment service or cryptocurrency card provider may have its own limits on how much you can spend. Check the payment gateway’s disclosure documents to see whether the provider imposes any limits, such as a restriction on the total amount you’re allowed to pay via the platform per 24 hours.

Key features to look for when choosing a cryptocurrency bill payment service

Now that you know how to pay bills with Bitcoin, it’s time to choose a cryptocurrency bill payment service. There are several options available, so it’s important to compare their features before deciding which one is right for you. Factors you’ll need to consider include:

  • Exchange rates. Check each provider’s terms and conditions to find out how they calculate their exchange rate. How far above the market rate is the rate you’ll receive for your transaction?
  • Fees. Does the platform charge any fees on top of its exchange rate? While some providers incorporate all fees and charges into the exchange rate you’re quoted, others may impose an additional fee calculated as a percentage of your transaction amount.
  • Supported cryptocurrencies. Does the provider accept Bitcoin only, or are you allowed to pay using a variety of other digital currencies?
  • Transaction limits. It’s also a good idea to check whether any limits apply to the amount you’re allowed to pay per transaction.
  • Processing time. How long will it take for your bill to be paid? Will the USD payment be sent the same day as the provider receives your cryptocurrency?
  • Ease of use and verification process. Find out exactly what’s involved in the bill-paying process. How quick and easy is it to pay a bill? Will you need to create an account first? What information will you need to provide in order to verify your identity?
  • Reputation. See what you can find out about the people behind the company. Where is it based? How long has it been operating? Does it have a reputation as a trusted provider? What security measures does it have in place to protect your funds and your personal details?
  • What happens if something goes wrong? Check the service’s terms and conditions to find out what happens if something goes awry and you have a complaint. For example, what happens if the biller claims they never received any payment?
  • Customer support. What customer support channels does the service offer? During what hours can you get in touch with the customer support team? How long do they take to respond to queries?

By comparing platforms based on these criteria, you’ll be well placed to choose a crypto bill payment service that offers all the features you need.

Pros and cons of cryptocurrency bill payment services


  • Quick and easy to use. Crypto bill payment services make it simple and convenient to quickly pay bills using Bitcoin and other digital currencies.
  • Use your crypto in the real world. Bill payment services provide a practical, everyday use for your digital coins.
  • Not just bitcoin. These services allow you to pay bills with bitcoin and a number of other leading cryptocurrencies.


  • Not free. There will always be a cost involved in using these types of services, so make sure you’re aware of the exchange rate as well as any fees that may apply.
  • Disputes. If the biller says they have not received payment, you may have difficulty getting your money back. Make sure the provider has a clear policy on what happens in situations such as this.
  • Not all bills will be eligible. For example, you can’t use cryptocurrency to pay a bill that requires a money order or personal check. And depending on the provider, you may only be able to pay bills that accept credit card.

Next steps

If you’d like to start paying bills with bitcoin or another cryptocurrency, start by comparing the features, fees and reputation of each provider to find one that you can trust to pay your bills with cryptocurrency securely and on time.

Frequently asked questions

Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

Images: Shutterstock

Disclosure: At the time of writing, the author holds ADA, ICX, IOTA and XLM.

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