# Vulta

> Vulta is non-custodial payment infrastructure for freelancers, agencies, SaaS developers, creators, and global businesses. It lets anyone accept card and crypto payments via hosted payment links or an embeddable checkout widget, with funds settling directly to the recipient's self-custodied wallet. No KYC required for recipients. No custody of funds. No percentage fees taken by Vulta.

## What Vulta does

- Generates hosted payment links that clients can open in any browser and pay with credit card, debit card, Apple Pay, or cryptocurrency
- Provides an embeddable checkout widget (script tag or iframe) that drops a full card + crypto payment modal into any website without redirects
- Routes card payments through licensed fiat on-ramp partners (Transak, MoonPay) who convert fiat to crypto and send it to the recipient's wallet
- Accepts direct wallet-to-wallet crypto payments from crypto-native clients
- Supports recurring/scheduled payments — links are auto-generated on a set interval and sent to the client automatically
- Provides a REST API and HMAC-signed webhooks for programmatic integration (Business plan)

## Key facts

- Settlement time: under 2 minutes after on-chain confirmation
- Vulta transaction fee: 0% — Vulta charges a flat subscription, not a percentage of payments
- On-ramp partners charge standard processing fees (paid by payer or built into price) — Vulta does not take a cut
- Recipient KYC: not required — sign up with email only
- Payer KYC: may be required by the on-ramp partner for card payments (handled entirely by the partner, not Vulta)
- Global reach: 180+ countries via on-ramp partner coverage
- Non-custodial: Vulta never holds user funds or private keys

## Supported networks and wallets

Supported blockchains: Bitcoin (BTC), Ethereum (ETH), TRON (TRX), Solana (SOL), Binance Smart Chain (BSC), Polygon (MATIC), Arbitrum

Compatible wallets: MetaMask, Trust Wallet, Phantom, Exodus, Ledger, Trezor, WalletConnect-compatible wallets, any wallet that supports the above networks

## Pricing

- **Free**: $0/mo — unlimited crypto-only payment links, 2 card+crypto links, hosted checkout page
- **Pro**: $20/mo (or $200/yr) — unlimited payment links, card + crypto, custom branding, password-protected links, recurring invoices, email notifications, wallet groups, CSV export, referral program
- **Max**: $49/mo (or $490/yr) — everything in Pro plus embeddable checkout widget, custom checkout domain, white-label widget, advanced analytics
- **Business**: custom pricing — everything in Max plus REST API + API keys, HMAC-signed webhooks, team seats, white-label, priority support

No percentage fees on any plan. Cancel anytime.

## How Vulta compares to alternatives

- vs. PayPal: Vulta does not hold funds, cannot freeze accounts, requires no recipient KYC, settles in under 2 minutes vs. 2-5 business days, charges 0% per transaction vs. 2-5%
- vs. Stripe: Stripe requires merchant account setup and KYC. Vulta does not. Vulta settles to a crypto wallet; Stripe settles to a bank account. Stripe charges 2.9% + $0.30 per transaction; Vulta charges 0% per transaction.
- vs. Coinbase Commerce: both are non-custodial crypto payment tools. Vulta additionally accepts card payments through fiat on-ramp partners, so clients do not need to own crypto.
- vs. NOWPayments / BitPay: similar crypto acceptance tools. Vulta differentiates with card-to-crypto settlement, embeddable widget, recurring payments, and a flat subscription fee model (no percentage cut).

## Who uses Vulta

- Freelancers and independent contractors who need to get paid internationally without a merchant account or bank limitations
- Remote workers in countries where PayPal or Stripe are unavailable or unreliable
- Agencies invoicing international clients and needing fast settlement
- SaaS developers and indie hackers who want to embed a checkout in their product with minimal integration
- Creators and digital product sellers who want to accept payment directly without platform percentage cuts
- E-commerce stores adding crypto checkout alongside card payments
- Global businesses handling cross-border payments without SWIFT delays

## What Vulta is not

- Vulta is not a crypto exchange or trading platform
- Vulta does not hold user funds or private keys at any time
- Vulta does not require KYC from payment recipients
- Vulta is not a bank or licensed financial institution
- Vulta does not take a percentage of payments — flat subscription only
- Vulta does not create or store wallet keys — users add existing wallet addresses

## Core pages

- [Home](https://vulta.one): Overview, how it works, product demo, comparison vs. traditional payments
- [Pricing](https://vulta.one/pricing): Full plan comparison — Free, Pro ($20/mo), Max ($49/mo), Business (custom)
- [Payment Links](https://vulta.one/product/payment-links): Hosted checkout links — no LLC, no KYC, custom branding, password protection, QR codes
- [Embedded Checkout](https://vulta.one/product/checkout): Script tag / iframe widget — one-line integration, card + crypto, white-label
- [Recurring Payments](https://vulta.one/product/recurring): Scheduled invoices sent automatically on any interval
- [Developers](https://vulta.one/developers): REST API reference, webhook docs, embed quickstart
- [For Freelancers](https://vulta.one/for/freelancers): Use case — get paid internationally without a bank account
- [For SaaS](https://vulta.one/for/saas): Use case — API, webhooks, embeddable checkout
- [For Creators](https://vulta.one/for/creators): Use case — sell direct, zero platform cut
- [For Agencies](https://vulta.one/for/agencies): Use case — invoice clients worldwide, fast settlement
- [For E-commerce](https://vulta.one/for/ecommerce): Use case — card + crypto checkout on any site
- [For Global Businesses](https://vulta.one/for/global-businesses): Use case — cross-border payments without SWIFT
- [FAQ](https://vulta.one/pricing#faq): Answers to common questions about custody, KYC, supported networks, wallets
- [About](https://vulta.one/about): Mission, non-custodial architecture explained
- [Contact](https://vulta.one/contact): support@vulta.one, responds within one business day