Transacta Launches No-Integration Crypto Payments for Luxury Businesses Across the U.S.

As a result, merchants handling large-size transactions can now accept crypto payments seamlessly across both Europe and the U.S. This unlocks access to millions of crypto users worldwide, many of whom represent a new generation of affluent clients with significant capital held in digital assets.

Designed to bridge blockchain technology with traditional banking flows, Transacta enables merchants to accept high-value crypto payments from any wallet or blockchain network — without worrying about technical complexity, price volatility, or payments being delayed or blocked by banks. Funds can be settled instantly in fiat or stablecoins, providing businesses with speed, certainty, and operational control.

Crypto Payments Without Integration: Built For Business, Not Developers

For many businesses, accepting crypto still sounds like a technical project. APIs, development work, wallet management, long integration cycles — all of this creates the impression that crypto payments are only accessible to tech-heavy companies. In reality, they are not. With crypto invoicing, businesses can accept crypto payments with zero technical integration. No developer resources, no disruption to existing workflows.

With crypto invoicing, merchants simply issue a crypto invoice and send it directly to a client — a format already familiar to luxury and high-end businesses. The customer pays from their wallet, the transaction settles on-chain, and the business receives funds according to its preferred settlement setup, either in crypto (including stablecoins) or converted to fiat and settled to a bank account.

This approach removes the main barrier to entry and makes crypto payments immediately usable, especially for companies with complex or highly personalized sales processes.

“Businesses should always consider their operational needs. Crypto invoicing is a more personalized approach, which is why it is often used by luxury brands, freelancers, and businesses that rely on direct communication, personalized offers, and one-to-one sales processes rather than automated checkouts.. For higher payment volumes or fully automated checkout flows, we — like other providers in the market — also offer alternative solutions designed for website-based payments.” — adds Dmitrijs Maceraliks, CEO of Transacta.

Crypto Invoicing Explained

A crypto invoice is a structured payment request that specifies the amount, currency, payment deadline, and settlement terms — similar to a traditional invoice, but settled on blockchain rails. The client pays against a clearly defined invoice linked to a specific commercial agreement. This gives businesses clarity, traceability, and far greater control over each transaction.

For merchants and their clients, the process is intentionally simple:

1) The merchant creates a crypto invoice via their dashboard and sends it directly to the client.

2) The client receives a secure payment link or QR code and pays from their wallet using BTC, ETH, USDC, or other supported cryptocurrencies.

3) The transaction is processed in line with applicable compliance requirements, with optional instant conversion to fiat or stablecoins for volatility protection.

4) Funds are settled to the merchant from a regulated entity — not directly from their client — either in crypto or to a bank account.

5) Merchants retain full control over settlements, refunds, and dispute handling, with KYC/AML reporting available and optional source-of-funds verification for additional protection.

Behind this simplicity sits a highly structured payment and compliance infrastructure. Over several years, Transacta has built the operational, regulatory, and banking layers required to support complex, high-value crypto transactions.

“The complexity doesn’t disappear — it’s absorbed by the provider. Years of experience with high-value transactions allowed us to build the infrastructure, automation, and compliance frameworks needed to make crypto invoicing simple for merchants.” — Dmitrijs Maceraliks explains.

Real Business Benefits: Speed, Finality, and Client Experience

High-value payments can be settled within minutes — even for international clients — without reliance on banking hours, correspondent banks, or manual processing. For businesses built around personalized deals and long-term client relationships, settlement speed and payment flow play a critical role in client experience and satisfaction, reinforcing a premium service standard expected by high-value clients.

In addition, crypto payments often result in significantly lower transaction fees for clients compared to traditional cross-border bank transfers or card payments. For high-value transactions, fees can quickly add up to meaningful amounts. While costs are rarely the deciding factor in the luxury segment, reducing unnecessary fees still contributes to a more transparent and comfortable client experience.

Just as importantly, once a crypto payment is confirmed on the blockchain, it is final. There are no chargebacks, forced reversals, or unexpected disputes weeks after settlement — removing a major source of risk and uncertainty that often complicates large, high-value transactions.

Built for High-Value Businesses — Delivered with Expertise

Accepting crypto payments is not just about technology; it is about understanding how high-value businesses operate. Luxury merchants rarely fit into self-serve onboarding models or one-size-fits-all payment solutions.

Transacta takes a personalized, hands-on approach to onboarding, working closely with merchants to match their business model, transaction size, and regulatory requirements. This expertise comes from years of processing complex, high-value crypto transactions across multiple jurisdictions.

“Our core value has always been the merchants we work with. Seven years ago, we deliberately focused on building close, long-term partnerships in industries where trust and security matter most. That commitment to reliability continues to shape how Transacta operates today and into the future.” — Dmitrijs Maceraliks, CEO of Transacta.