# Crypto Invoicing for SaaS: A Practical Guide Stablecoin invoicing is no longer a niche workflow. SaaS companies billing customers in 50+ countries increasingly want a way to send a USD-denominated invoice, accept USDT or USDC on Ethereum, Polygon, Tron, or Base, and book the result cleanly in their books. This guide covers the moving parts. ## 1. Decide what you're billing in Always quote in fiat (usually USD) and let the customer choose the coin and network at checkout. Quoting in coin terms creates friction — exchange rates move while the invoice is open. ## 2. Generate the invoice A Xynex invoice locks an amount in USD, a due date, and an optional set of accepted coins/networks. We hold the rate for a short window on the hosted invoice page so the customer sees a fixed coin amount. ## 3. Handle partial and late payments On-chain payments can arrive in pieces or after the rate window expires. A robust workflow should: - Track per-tx partial credits against the invoice - Auto-refresh the FX quote if the invoice is still open and the previous quote has expired - Move the invoice to "past due" automatically and (optionally) restrict the customer's SaaS access ## 4. Reconcile to your accounting system Each payment should produce a ledger entry in **both** the native coin amount and the USD-equivalent at confirmation time. This makes period close clean: you can roll up USD revenue for your P&L while keeping the coin-level inventory for your treasury. ## 5. Reporting and tax Export by date range, customer, coin, and network. Capital gain/loss on crypto received vs. payout is jurisdiction-specific — your finance team will want raw cost-basis data, not just summarized revenue. --- [Open a Xynex early-access account](https://xynex.app/early-access) to start invoicing in stablecoins this week.