> For the complete documentation index, see [llms.txt](https://docs.paymento.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.paymento.io/accept-crypto-payments/get-started.md).

# Get Started

Turn your wallet to merchant account in 3 simple steps

Start accepting cryptocurrency payments by creating a Paymento account, choosing how you want to receive funds, and adding your first store.

Paymento offers two non-custodial wallet methods:

* **Bring Your Own Wallet:** Receive payments directly in a wallet you already control.
* **Paymento Embedded Wallet:** Create a merchant-controlled store wallet with a simpler checkout experience on supported networks.

You select the wallet method before creating a store. When creating additional stores, you can select the appropriate wallet method for each one.

### Step 1 - Create your Paymento account

Visit [Paymento](https://paymento.io/) and select **Launch App**.

Register using one of the available sign-up methods and complete email verification if required. Once your account is active, sign in to the Paymento merchant panel.

### Step 2 - Choose your wallet method

Before adding a store, Paymento asks how you want to receive customer payments.

#### Bring Your Own Wallet

Choose this method to receive payments directly in a wallet you already control.

Depending on the blockchain, Paymento will ask for:

* An extended public key, or **xPub**, for supported UTXO-based networks such as Bitcoin
* A public wallet address for supported account-based networks such as Ethereum and Solana

Paymento uses this public information to generate or assign receiving addresses and monitor incoming payments. It cannot be used to sign transactions or spend funds.

Because payments arrive directly in your existing wallet, no settlement step is required.

#### Paymento Embedded Wallet

Choose this method to create a non-custodial wallet for your store.

You register a passkey that authorizes sensitive wallet actions. Paymento can prepare settlement requests, but it cannot independently authorize transfers, freeze funds, change signing authority, or move your funds.

The Embedded Wallet also provides a simpler checkout on most supported account-based networks by allowing customers to pay using a receiving address and QR code instead of connecting a wallet.

Payments remain in the merchant-controlled store wallet until you authorize settlement to your configured destination wallet.

> **Important:** Paymento does not hold a recovery credential for your Embedded Wallet. Review the Backup, Export, and Recovery documentation and configure every available backup option before accepting live payments.

### Step 3 - Add your store / business

After selecting your wallet method, select **Add Store** and provide:

* Your store name
* Your store website, if applicable
* Your store logo
* The cryptocurrencies and networks you want to accept

The remaining configuration depends on the wallet method you selected.

#### If you selected Bring Your Own Wallet

Provide the required xPub or public wallet address for each selected asset or network. You may be able to enter this information manually or connect a compatible wallet to retrieve it.

Review every address carefully. Payments will be sent directly to the configured merchant wallet.

#### If you selected Embedded Wallet

1. Register your passkey if you have not already done so.
2. Select the assets and networks your store will accept.
3. Configure the external destination wallet where settled funds should be sent.
4. Review your wallet backup and recovery responsibilities.
5. Ensure your Paymento balance can cover applicable processing and blockchain settlement fees.

### Step 4 - Test and enable your store

Before accepting live payments:

1. Review the selected assets and networks.
2. Confirm that all wallet addresses and settlement destinations are correct.
3. Complete a testnet payment where supported.
4. Disable testnet assets and enable your store when testing is complete.

### Step 5 - Choose an integration method

You can now accept payments using:

* Paymento’s hosted checkout and API
* A prebuilt e-commerce plugin
* Payment Links without a website
* Supported creator and community integrations

Your API keys become available after your store is created and enabled.