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Komerza Self-Custody settles crypto payments straight into wallets you own. Komerza only watches your addresses to confirm payments and mark orders as paid — it never holds, moves, or has access to your funds. It sits alongside the processor options (NOWPayments, Heleket) on the Cryptocurrency page, but works differently:
  • Zero fees — keep 100% of every crypto payment. Processors take a cut (NOWPayments 0.5–1%, Heleket 0.4%); self-custody takes nothing.
  • You hold the keys — payments settle to a wallet you control; funds never touch Komerza.
  • No extra accounts — just link a wallet address or xpub/zpub. No third-party signup or API keys.
You link a wallet per chain, in one of two ways depending on the chain:
  • WalletConnect chains — connect a wallet and Komerza reads a deposit address to watch.
  • xpub chains — paste an account xpub and Komerza derives a fresh receiving address for every payment, so your private keys never leave your wallet.

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Prerequisites

  • A store on the Business plan — Self-Custody is a Business-tier feature.
  • A wallet for each chain you want to accept. WalletConnect chains work with almost any wallet; xpub chains need a wallet that can export an account xpub (see Which wallets can export an xpub).

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Open Komerza Self-Custody

1

Go to Cryptocurrency settings

In your dashboard, open Settings under Online Store, then go to Cryptocurrency. Under Processors, find the Komerza Self-Custody card.Komerza Self-Custody card on the Cryptocurrency settings page
If you don’t see Self-Custody, confirm your store is on the Business plan.
2

Click Link Wallet

On the Komerza Self-Custody card, click Link Wallet. The Link a receiving wallet dialog opens.Link a receiving wallet dialog with chain selectorPick the Chain you want to set up. The dialog then shows either a Connect Wallet button or a Link via account xpub option, depending on the chain. Follow the matching section below, and repeat the whole process for each currency you want to accept.

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Path A — WalletConnect chains (SOL, ETH, BNB, Polygon)

These chains are the quick path. You click Connect Wallet to link a wallet with WalletConnect, and Komerza reads the deposit address to watch.
1

Select the chain and Connect Wallet

In Link a receiving wallet, choose the chain (e.g. Ethereum) and click Connect Wallet. A WalletConnect QR code and connection link appear.WalletConnect connection screen
2

Approve in your wallet

Open your wallet and connect:
  • On mobile — tap the connection link (or scan the QR from another device) to open your wallet app, then approve.
  • On desktop — scan the QR code with your mobile wallet, or use a browser-extension wallet.
Approve the connection request. Komerza records the wallet’s address for that chain and starts watching it.
3

Repeat for each chain

Wallets are linked per chain, so connect once for every currency you want to accept.
EVM chains (ETH, BNB, Polygon) can all use the same wallet (MetaMask, Trust, Rabby, etc.) — you just run the connect step once per chain. Solana (SOL) needs a Solana wallet such as Phantom or Solflare.

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Path B — xpub chains (BTC, LTC, DOGE)

For these chains you paste an account xpub from your wallet. Komerza derives a fresh receiving address from it for each payment — your private keys never leave your wallet, and Komerza can only watch, never spend.
Any format works. Komerza auto-detects the derivation, so paste whatever extended public key your wallet gives you — xpub, ypub, or zpub for Bitcoin; Ltub/Mtub for Litecoin; dgub for Dogecoin. You don’t need to convert it.
1

Export the xpub from your wallet

Find and copy your wallet’s account xpub. Steps vary by wallet — see Export your xpub by wallet below.
Only ever paste an account xpub (xpub/ypub/zpub/…). Never paste your seed phrase or private key — Komerza never needs them, and no legitimate service ever will.
2

Paste it into Komerza

In Link a receiving wallet, select the chain, choose Link via account xpub, and paste your key into the Account xpub field. Komerza confirms it will derive a fresh receiving address per payment.Link via account xpub — Account xpub field
Double-check the chain and key before saving. Payments are sent on-chain and cannot be reversed — an xpub pasted under the wrong chain sends funds somewhere you may not control.
3

Verify with a test payment

We strongly recommend a small test order (for example a $1 purchase) to confirm the payment is detected and the order is marked as paid before you go live.

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Export your xpub by wallet

  1. Open Electrum with the wallet loaded.
  2. Go to Wallet → Information.
  3. Copy the Master Public Key shown — for a default Electrum wallet this starts with zpub. That’s your account xpub; paste it into Komerza as-is.
Electrum is the most reliable option for Litecoin. For Dogecoin, use Trezor Suite below — the Dogecoin Electrum fork is poorly maintained.
  1. Open your wallet in Sparrow.
  2. In the left sidebar, click Settings.
  3. In the Keystore section, the extended public key is shown — you can toggle the format (e.g. XPUB / ZPUB). Copy it.
  4. Paste it into Komerza.
Trezor supports all three UTXO chains, which makes it a good single option.
  1. Connect your Trezor and open Trezor Suite.
  2. Select the coin account (Bitcoin, Litecoin, or Dogecoin) in the left sidebar.
  3. Open the Details tab and click Show public key.
  4. Verify the key on your Trezor device, then copy it and paste it into Komerza.
  1. Open the wallet and tap the ••• (top right) to open Wallet Settings.
  2. Tap Show Wallet XPUB.
  3. The xpub appears as a QR code and text — tap the text to copy it.
  4. Paste it into Komerza.
BlueWallet is Bitcoin-only — use another wallet from this list for Litecoin or Dogecoin.
Exodus can export an xpub from its desktop app only — the mobile app doesn’t expose it.
  1. Open the Exodus desktop app and select the asset (e.g. Bitcoin).
  2. Click the ••• (three dots) at the top right.
  3. Click Export XPub. Exodus saves a .txt file in an exodus-exports folder and shows you where — for example …/exodus-exports/exodus_0-bitcoin-xpub.txt.
  4. Open that file. It lists several keys — a legacy xpub (starts with xpub…) followed by one or more native-segwit keys (start with zpub…).
  5. Copy the zpub line — it’s the newer native-segwit format and matches the addresses Exodus actually receives to. Paste it into Komerza.
On mobile, use the desktop app instead, or another wallet from this list.
Ledger Live shows the xpub for UTXO coins — Bitcoin, Litecoin, Dogecoin.
  1. Open Ledger Live and connect your device.
  2. Go to Accounts and select the coin account (e.g. Bitcoin).
  3. Click the tool/wrench icon at the top right of the account.
  4. Open Advanced Logs and copy the value that starts with xpub.
Ledger Live shows one generic xpub for the account regardless of address type (Legacy / SegWit / Native SegWit) — Komerza accepts it as-is.

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Which wallets can export an xpub

These popular wallets cannot export an xpub, so they can’t be used for the xpub chains: Trust Wallet, Coinbase Wallet, and MetaMask (MetaMask is EVM-only and doesn’t support these chains anyway). Exodus works too, but from its desktop app only — the mobile app can’t export an xpub. If your wallet can’t, move the relevant coins to a wallet from the list above — such as Electrum, Sparrow, Trezor Suite, or BlueWallet.

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Route your coins to self-custody

Linking a wallet tells Komerza where to settle — but each coin also needs to be routed to the Komerza Self-Custody processor. On the Cryptocurrency page, open Coin routing and set each coin you want to self-custody to Komerza Self-Custody, or confirm default routing already points there.
If a coin is routed to a processor (NOWPayments or Heleket) instead of Komerza Self-Custody, payments for that coin settle to the processor and incur its fee — even if you’ve linked a self-custody wallet for the same chain.

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How payments settle

  1. A customer chooses one of your self-custody currencies at checkout.
  2. Komerza shows them a receiving address:
    • For WalletConnect chains, your linked deposit address.
    • For xpub chains, a fresh address derived from your xpub for that order.
  3. The customer pays. Funds land directly in your wallet — Komerza never touches them.
  4. Komerza detects the on-chain payment and marks the order as paid, triggering delivery.

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Troubleshooting