For businesses

Accept ZEC.

Ways to take Zcash payments in a shop, online or by invoice, and what each one means for privacy, custody and paperwork.

Three ways to accept ZEC

Straight to your wallet

Show a payment request from a shielded wallet. Free, private and nothing to sign up for. Best for low volume and in person.

Your own payment server

Run open-source software that creates invoices and watches for payments. No middleman, but you look after a server.

A payment processor

A company handles checkout and can convert ZEC to cash. Easiest to set up, but it holds funds, charges fees and usually checks your business.

Take payments straight to your wallet

No company in the middle and no fees beyond the network fee. This suits a market stall, a café, freelance work or occasional invoices.

  1. Use a shielded wallet such as Zodl, Zingo or Cake Wallet, and keep a separate wallet for the business.
  2. Create a payment request for the amount, with the order or invoice number in the memo. In Zodl it is Request ZEC, which shows a QR code for your customer to scan.
  3. Wait until the payment shows in your wallet before handing over goods. A new Zcash block comes about every 75 seconds; for larger amounts, wait for a few confirmations.
  4. For bookkeeping, give your accountant a viewing key. It shows payments but can't spend them. A viewing key can't be withdrawn once shared, so share it only with people you trust.

Shielded payment software

Open-source software that creates an invoice with a fresh shielded address for each order and watches for the payment with your viewing key. The ZEC goes straight to your wallet; the software can see payments but never spend them.

  • CipherPay
    Accepts shieldedNon-custodialNo business checksYou keep ZEC

    A Zcash-only payment processor with checkout pages, invoices, payment links, subscriptions and an iPad point of sale, all paying straight into your shielded wallet.

    Fees
    1% of each payment, paid in ZEC, on the hosted service. Nothing if you run it yourself: it is open source.
    Works with
    WooCommerce, Shopify, payment links, invoices, an iPad point of sale, and an API with webhooks.
    Good to know
    It only stores your viewing key. The hosted service adds its fee as a second recipient in each payment request, which some wallets may refuse (possibly Zodl for iOS), so test a payment from the wallets your customers use. Its Shopify method relies on a feature Shopify stopped running for most stores on 26 August 2026: test it before relying on it. The official site is cipherpay.app; other CipherPay domains are not it.
    Visit cipherpay.app ↗

    Checked 5 October 2026 · cipherpay.app · forum.zcashcommunity.com · wordpress.org · github.com

  • BTCPay Server with the Zcash plugin
    Accepts shieldedNon-custodialNo business checksYou keep ZEC

    A free, open-source payment server you host yourself, with a community-built plugin that accepts shielded ZEC alongside Bitcoin and other coins.

    Fees
    None, apart from the cost of running a server.
    Works with
    BTCPay's checkout, invoices, payment buttons, point-of-sale app and WooCommerce plugin.
    Good to know
    Best for technical businesses. It installs from a Zcash-specific build of BTCPay last updated in October 2025, and the plugin is listed as tested up to BTCPay 2.3.6. Ironwood support was added to its wallet component in July 2026: send a small test payment end to end before going live. Use an up-to-date wallet such as Zodl or Zingo for the viewing key; YWallet hasn't been updated for Ironwood.
    Visit plugin-builder.btcpayserver.org ↗

    Checked 5 October 2026 · plugin-builder.btcpayserver.org · zechub.wiki · zcashcommunitygrants.org · github.com

Payment processors

Companies that run checkout for you and can convert ZEC to your own currency. They hold the money for a while, charge a fee, and as far as their documents show accept only transparent ZEC, so payments are public on the blockchain.

  • NOWPayments
    Transparent onlyCustodialZEC or cash

    A payment processor for many coins, including ZEC, that can pay out in crypto or convert for you.

    Fees
    About 0.5%, or about 1% with conversion, according to reviews. Check its own pricing before signing up.
    Works with
    WooCommerce and other shop plugins, invoices, payment links, donations, a web point of sale and an API.
    Good to know
    Its point-of-sale guide asks for a "Zcash public address", and ZecHub lists it as transparent only. No identity checks for crypto-only accounts; checks apply for cash payouts and larger volumes. It briefly stopped accepting ZEC in February 2022.
    Visit nowpayments.io ↗

    Checked 5 October 2026 · nowpayments.io · nowpayments.io · zechub.substack.com

  • Plisio
    Transparent onlyCustodialNo business checksZEC or cash

    A payment processor for many coins, including ZEC, with a large set of shop plugins.

    Fees
    0.5%.
    Works with
    WooCommerce, Magento, PrestaShop, OpenCart, WHMCS, BigCommerce, Ecwid and others, plus invoices and an API.
    Good to know
    Its documents don't say which address type it uses; assume transparent. Payments sit in your Plisio balance until you withdraw them. Some users reported drained accounts in October 2024; this hasn't been independently confirmed.
    Visit plisio.net ↗

    Checked 5 October 2026 · plisio.net · plisio.net

  • Flexa
    CustodialBusiness checksZEC or cash

    A payments network for larger retailers. Customers pay at the till from apps such as Zodl, including from shielded ZEC, and the business is paid in its own currency.

    Fees
    1%.
    Works with
    Point-of-sale systems, payment pages, QR codes and an API, set up through Flexa's sales team.
    Good to know
    Thousands of shops already take payments through Flexa; ZecMap shows them as purple pins.
    Visit flexa.co ↗

    Checked 5 October 2026 · flexa.co · forum.zcashcommunity.com

Get found

Once you accept ZEC, add your business to these directories so Zcash users can find you.

  • ZecMap

    A community map of places that accept ZEC. Submissions are checked by hand, and Flexa locations are included.

    Visit zecmap.com ↗

    Checked 5 October 2026 · zecmap.com

  • Pay with Zcash

    ZecHub's directory of businesses that accept ZEC. Add yours through its submission form.

    Visit paywithz.cash ↗

    Checked 5 October 2026 · paywithz.cash

Good to know

  • Shielded payments keep your takings and your customers' payments private. Transparent payments are public on the blockchain, like Bitcoin.
  • ZEC's price moves. If you need a fixed amount in your own currency, price in that currency at the moment of sale, or use a processor that converts for you.
  • Shielded payments don't show who sent them. To give a refund, ask the customer for an address.
  • Software that watches for payments must support Ironwood, Zcash's shielded pool since July 2026. Tools built on zcashd stopped working when it was retired on 18 July 2026.