Lipa for Business

Sep 7, 2025

Merchants are now increasingly interested in accepting Bitcoin payments via Lightning Network. Unlike traditional credit card payments, which involve high fees and long settlement times, Lightning transactions are virtually instantaneous, are not subject to chargebacks, and preserve customer confidentiality.

For a business to adopt Bitcoin easily, the payment solution must remain simple with an intuitive Interface cash register, offer multi-user functions and ideally offer automatic conversion into local currency to mitigate volatility.

Lipa for Business is the perfect answer to these needs. It is a Swiss solution developed by Lightning Payment Services AG, designed to enable merchants to accept Bitcoin Lightning payments simply and efficiently, while remaining non-custodial.

Note: The screenshots used in this tutorial are taken from the official Lipa for Business website (lipa.swiss/en/for-business) and are used for educational purposes

Introducing Lipa for Business

Lipa for Business is a mobile application that works like a Bitcoin and Lightning cash register. It offers a streamlined Interface to collect payments in Sats and integrates professional features: employee access, accounting exports, web dashboard, all without ever taking possession of your funds.

Key features

Instant Lightning payments: Bitcoin Lightning invoices are generated in a matter of seconds, ensuring virtually instantaneous transactions with no banking intermediaries. Fees are low and transparent compared to traditional solutions.

Interface POS intuitive: The app provides a clear Interface POS, designed for easy in-store use. Enter the amount in local currency, and the app immediately displays the amount in BTC and a payment QR code. Compatible with all Lightning wallets on the market.

Multi-employee management: All employees can use the application to cash out, without having access to the funds. The owner retains full control, while cloud synchronization ensures that no transaction is lost. Each employee receives separate access via QR code invitation.

Automatic conversion to CHF: For Swiss merchants, Lipa offers instant conversion of sales to Swiss francs on bank account. This option is optional: you can keep payments in Bitcoin (free of charge) or convert them to CHF/EUR for 0.98% commission.

Web dashboard: Interface administration panel accessible via dashboard.lipa.swiss, allowing you to view all transactions, filter by period or employee, and export accounting data in CSV format. The dashboard can also be used to generate web invoices with QR codes directly from Interface.

Create an account

⚠️ Important : Installation of the application requires Swiss residency. This geographical restriction applies for regulatory compliance reasons.

To use Lipa for Business, first create a dedicated merchant account:

Go to lipa.swiss/for-business and download the application for your platform (Android or iOS)
Install "lipa Wallet for business" from Google Play or the App Store
At first launch, enter your company details: business name, contact email, telephone and business address
The email is the main identifier for accessing the web dashboard

Once the form has been submitted, Lipa creates your merchant space. A brief manual check may be carried out (simplified KYC process) before final activation. Activation usually takes place within 24 hours, but times may vary.

Important: No bank account link is required to start cashing in Bitcoin. Bank details are only required if you opt for automatic conversion to CHF.

Installation and Interface

Mobile application: Available for Android/iOS smartphones and tablets. Interface has been designed for use at the point of sale, with easy-to-read elements and interactions limited to what's necessary. A "Cash a payment" button gives access to the amount entry screen.

Technical requirements: Stable Internet connection required (3G minimum) to process Lightning payments in real time.

Web dashboard: Free dashboard accessible via dashboard.lipa.swiss. Secure email connection (magic link without password). Interface shows all your transactions with full details: date, BTC/fiat amount, exchange rate, employee, etc. CSV export for accounting integration.

The dashboard can also be used to generate web invoices with QR codes directly from Interface :

Multi-terminal: Native support for multiple terminals within a company. Add new devices by creating employees via QR code invitation. Each terminal is linked to the same merchant Wallet, while maintaining traceability by cashier.

Accept a payment

The collection process is similar to that of a conventional transaction:

Enter amount**: On the payment screen, enter the amount in local currency (CHF or EUR). Example: for a coffee at 4.50 CHF, enter 4.50
Invoice generation** : The application instantly converts the amount into satoshis at the current rate, and generates a Lightning invoice in the form of a QR code
Customer payment** : The customer scans the QR code with his Wallet Lightning and validates the payment
Confirmation** : Payment is confirmed within seconds, with visual display of success

Professional tools

History and statistics: Each payment is recorded with full details. The dashboard offers an overview with filters by period or employee, comparable to a classic cash register system.

Accounting exports: Data export in CSV/Excel format with all necessary information (exchange rate, transaction ID) for integration into your accounting software.

Employee management: Add/remove authorized users via dashboard. Each employee receives separate access with transaction traceability. Revocation possible at any time.

Backup: Non-custodial merchant account with 24-word recovery phrase for safekeeping. Only the owner of the main Wallet should manage this backup - employees have no access to it.

Automatic CHF conversion

Availability: Service available to Swiss merchants with payment in CHF (EUR subject to availability).

Configuration: Choice between receipt in Bitcoin (free of charge) or fiat conversion via financial partner. If converting to CHF, enter an IBAN for transfers.

Fees: 0.98% commission on converted amounts (compared with 0% for payments held in BTC). No other hidden fees or subscriptions.

How it works : The amount received is immediately sold at the market rate and transferred to your bank account. Transfer according to your bank's standard bank deadlines.

Flexibility: Option reversible at any time in the parameters. Allows you to test in "fiat conversion" mode, then switch to 100% BTC once you're comfortable.

Security and confidentiality

Non-custodial: You retain permanent control over funds received. A private/public key pair is generated during configuration (hence the 24-word phrase). Lipa does not store your private keys.

Employee security: Employees can only create invoices, not spend funds. In the event of a terminal problem, your funds remain secure and you can revoke access.

Customer confidentiality: pseudonymous Lightning payments with no personal data attached. Contrast with card payments that go through centralized networks.

Authentication: Dashboard accessible via magic link email. Mobile application protected by PIN or biometrics.

Recommended use cases

Catering**: Bars, restaurants, cafés to accept additions in Bitcoin with tip management
Retail**: Grocery stores, bakeries for expanding payment methods without fixed charges
Nomadic vendors**: food trucks, markets, festivals with just a smartphone
Events** : Temporary stands with ready-to-use solutions
Services**: Consultants, craftsmen for one-off billing in Bitcoin

Advantages and limitations

Benefits

Simple Interface with no technical skills required
Non-custodial solution with total control of funds
Multi-employee management with traceability
Accounting export and web dashboard included
Automatic CHF conversion option for Swiss retailers
Transparent fees: 0% Bitcoin, 0.98% fiat conversion
Positioning as an innovative company in the Bitcoin ecosystem
Protection against inflation and currency devaluation
Censorship-resistant, decentralized payment system

Limits

Lightning support only (no Bitcoin On-Chain)
Fiat conversion currently limited to Switzerland
Requires customers to have a compatible Wallet Lightning
Static QR codes not currently available
Internet connection required for all transactions

Conclusion

Lipa for Business is positioned as a complete solution for accepting Bitcoin in-store. No expensive infrastructure is required (a simple smartphone is all you need), costs are low and fixed, and integration into existing processes is easy.

Its non-custodial, privacy-friendly nature, combined with professional management tools, makes it an attractive choice for merchants wishing to adopt Bitcoin while maintaining simplicity and security.

Resources

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Author

This tutorial has been written by Pierre

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Pierre

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Passionate about Bitcoin and convinced that education is the key, I wish to share with you the little knowledge I have and thus contribute to the adoption of Bitcoin. Otherwise, I'm a big fan of Pink Floyd, I'm learning to code, and I make memes. Looking forward to meeting you at the next meet-up! I am the creator of the training course BTC 205 - Non-KYC Purchase Solution.

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