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How to pay with crypto
A step-by-step guide for anyone who has never used cryptocurrency. Buy with a card, send the payment, done in about ten minutes.
If you have never used cryptocurrency, this is the whole process. It is shorter than it looks, and after the first time it takes about a minute. You pay with an ordinary debit or credit card at the exchange step, so no part of this requires anything you do not already have.
Short version: make an account on a regulated exchange, verify your ID once, buy USDT with your card, then send it to the address on your invoice. Ten minutes, plus a day or so of verification the very first time.
Why this step exists at all
Card networks will not underwrite this product category, so no supplier in it can take card payments directly. That is a decision by Visa and Mastercard, not by us, and the payment page explains it in full. Your card still pays for the order, it just pays the exchange rather than us.
Step 1: Buy the crypto
There are two routes. Neither is better than the other — one is faster, one is cheaper, and which suits you depends on whether this is a one-off.
The fast route: a card on-ramp
Services such as Paybis, MoonPay, Ramp, Transak and Banxa sell crypto directly for a debit or credit card and send it straight to an address you give them. There is no exchange account to open and nothing to withdraw afterwards. Verification is usually a photo of your ID and a selfie, and most people are through it in ten to fifteen minutes.
You pay for that convenience: expect roughly 3 to 5% in fees against about 1% on an exchange. On a single order that is a few dollars, and it is the fastest way to pay if you have never held crypto before.
Availability varies by country and changes; if one does not serve yours, another usually will. Check the fee and the total before confirming, and only ever use the service's own site.
The cheaper route: an exchange account
Use a regulated exchange that operates in your country. Coinbase, Kraken and Binance are the most widely available, and most countries have a well-established local option too. Fees are lower and the account is reusable, which matters if you expect to order again.
You will be asked to verify your identity with a photo ID. This is the slow part, and it only happens once. Approval usually lands within a few hours, occasionally the next day. Everything after this is fast.
Step 2: Buy a stablecoin
Buy USDT or USDC. Both track the US dollar, so the amount you buy is the amount you have, and a market move between buying and paying cannot affect you. Enter your card details, buy slightly more than the invoice total so the network fee is covered, and it lands in your exchange wallet within a minute or two.
Bitcoin, Ethereum and Litecoin all work if you prefer them. A stablecoin is simply the fewest moving parts for a first purchase.
Check the network before you send anything. The same coin exists on several different networks, and they are not interchangeable. Our USDT address is a TRON (TRC-20) address, so USDT must be sent over TRC-20 — USDT sent over ERC-20, BEP-20, Polygon or Solana is lost permanently and cannot be recovered by us, by you, or by the exchange.
This catches people out because some exchanges default to a different network at the withdrawal screen. Your invoice states the network beside the address. Read it, pick the matching one, and if the two do not match, stop and email us.
Step 3: Place your order and get an invoice
Add what you need from the catalogue, fill in delivery details at checkout and pick your coin. You get an invoice showing three things:
- An exact amount — locked for 30 minutes
- A payment address — a long string of letters and numbers
- A network — for example TRC-20 or ERC-20
Step 4: Send the payment
In your exchange, choose Withdraw or Send, then:
- Paste the address. Always copy and paste. Never type it by hand.
- Select the network shown on the invoice. This is the one step that matters most. Same coin, wrong network, and the transfer can be delayed or lost.
- Enter the exact amount from the invoice.
- Confirm. The exchange may text or email you a code.
Nervous the first time? Send a small test first. Send five dollars, confirm it arrives, then send the rest. It costs one extra network fee and removes all the anxiety. Plenty of people do this and nobody will think it is odd.
Step 5: Wait a few minutes
Orders release once the network confirms, usually within minutes. You get a confirmation email, and your order joins the dispatch queue. Paid before 2pm ET on a working day and it leaves the same day.
What it costs
| Charge | Who charges it | Typical |
|---|---|---|
| Card purchase fee | The exchange | 1% to 4% |
| Network fee to send | The network | Cents to a few dollars |
| Our crypto rebate | Us, back to you | −2% |
Bank transfer into the exchange is usually much cheaper than card if you are not in a hurry, and TRC-20 costs far less to send than ERC-20. We take 2% off the order because we are not paying card processing fees, which offsets most of the exchange's cut.
The mistakes worth avoiding
- Wrong network. The single most common error. Match the invoice exactly.
- Typing the address. Copy and paste, every time.
- Buying the exact invoice amount. The network fee comes out of what you send, so buy a little more.
- Letting the quote expire. 30 minutes is plenty, but if it lapses you simply get a fresh invoice. Nothing is lost.
If something goes wrong
Email Info@purepeptidesources.com with your order reference and the transaction hash — the receipt ID your exchange shows after sending. A person replies within 24 hours. Wrong amount, wrong network, expired invoice: all of it is fixable, and none of it cancels your order.
Refunds go back in the same coin, to an address you give us, at the dollar value of your original order. If the market has moved since you paid, that movement is ours to absorb, not yours.
Questions
Can I buy cryptocurrency with a debit or credit card?
Yes. Every major regulated exchange accepts card payments, and most accept bank transfer as a cheaper alternative. You create an account, verify your identity once, buy the amount you need, then send it to the payment address on your invoice. The first time takes a day or two because of identity verification; after that it takes about a minute.
Which cryptocurrency is easiest for a first-time buyer?
A stablecoin, USDT or USDC. They track the US dollar, so 100 USDT is about 100 dollars. There is no conversion to work out and no exposure to a price swing between buying and paying. Bitcoin works but its value moves, which adds a step of arithmetic you do not need.
What is a network, and why does the invoice name one?
The same coin can travel over different networks, in the same way an address can be reached by different roads. USDT exists on both ERC-20 and TRC-20. If you send over a network different from the one on your invoice, the payment can be delayed or lost. The invoice states the network explicitly for that reason, and your exchange will ask you to pick it when you withdraw.
How much does it cost to send cryptocurrency?
A network fee, charged by the network rather than by us or the exchange. It varies by coin: TRC-20 USDT is usually a fraction of a dollar, Litecoin is cents, and Ethereum ERC-20 transfers can cost several dollars when the network is busy. Choosing a cheaper network is the easiest saving available.
What if I send the wrong amount?
Email the order reference and the transaction hash. An underpayment is settled with a second invoice for the difference; an overpayment is refunded or credited, whichever you prefer. Neither cancels your order.
How long before my order is confirmed?
Usually minutes. Orders release once the network confirms, usually within minutes. Once the payment confirms, the order joins the dispatch queue, and anything paid before 2pm ET on a working day leaves the same day.
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