General Frequently Asked Questions

What is SpankPay? Is it a cryptocurrency wallet?

SpankPay is a hosted cryptocurrency wallet and payment processor! SpankPay lets you sign up with an email/password, set up a personal payment page, auto-convert any earnings to USD (if desired), and cash out in crypto or to your bank.

I already have a crypto wallet, can I use it with SpankPay?

Yes! You can use your existing crypto wallet to receive payouts from SpankPay or send payments to SpankPay users.

Can I sign up for SpankPay if I live in ________?

Yes, unless you live in North Korea, Iran, or other countries sanctioned by the US Treasury OFAC.

When I get paid on SpankPay, do I get USD, BTC, or something else?

It's up to you! On SpankPay you have separate balances for USD, BTC, ETH, and other cryptos. In the SpankPay settings you choose your Holding Currency, which is the currency that all your earnings are converted into. For example, if you choose BTC, all payments sent to you (even if in ETH or USD) will be converted into BTC in your SpankPay balance. If you prefer your earnings to be kept stable, set your holding currency to USD.

I switched my holding currency, but my balances didn't change?

Changing your holding currency only affects the conversion of future earnings, not your current balances.

My balance is changing, why is that?

Holding funds as cryptocurrency takes on the risk of the price fluctuations that naturally occur. If you would like future payments to be more stable it is recommended to update your payment holding to USD in your account settings. Any holdings currently in crypto cannot be exchanged within SpankPay.

How do I update my banking info?

In your account settings, navigate to the banking section and click "Remove Bank" to remove your current bank. After that, you will be able to upload your updated bank information. 

What do I put on the tax form (W9) - [U.S. Citizen (or green card) / U.S. Company]?

  • Name
  • Tax classification - Individual or company classification
  • Tax Identification Number(TIN)
  • Signature

What do I put on the tax form (W8-BEN) - [Non-U.S. Person]?

  • Name
  • Country of citizenship
  • Address
  • [SKIP] Foreign Taxpayer Identification Number (TIN)
  • Date of birth
  • Signature

What do I put on the tax form (W8-BEN-E) - [Non-U.S. Company]?

  • Name of the organization
  • Country of incorporation or organization
  • Chapter 3 status
  • Address
  • [SKIP] U.S. Taxpayer Identification Number (TIN), if required
  • [SKIP] Foreign TIN
  • Signature

What is a TIN?

A TIN or Tax Identification Number is issued by U.S government to citizens or companies in the U.S. These can be a Social Security Number(SSN) for individuals or an Employer Identification Number(EIN) for companies.

Note:  To clear your tax forms, reach out to our support team at:

Where is the data stored?

Data is stored for purposes of identity verification, taxes, and banking.

  • Identity Verification is processed and stored with our partner Aristotle.
  • Tax Information is collected from all users (even non-US ones) in order to be able to remain compliant with US tax laws.
  • Banking information stored with our partner Wyre who processes our debit card payments and withdrawals.

I skipped steps when I first registered my account. How do I go back and enter the information?

Any steps 'skipped' during onboarding will be presented in your Quickstart Menu on your dashboard to go back and finish. This allows your to submit tax, identity or banking information later.

To update your account, first login. On the next page, either click "account settings" at the bottom left of your web browser window or tap the three lines at the top left on mobile. Here you can select to update your profile, account, payment, banking, and security settings.

I've connected social links to my account. Where are they?

Your social links will appear on your public SpankPay Me page. (

I don't want to connect my bank account. Can I still use SpankPay?

Yes, SpankPay is a crypto solution first. You can always withdraw from your account in crypto to any crypto wallet.

My authenticator no longer lists SpankPay.

When setting up Two Factor Authentication(2FA), you will be given a code to restore access. Use this code to list SpankPay on your current or new mobile authenticator app.

I forgot my password. How do I reset it?

To reset your password, click here and enter the email address associated with your account. An email with a link to reset your password will be sent to you.  If you don't see an email in your inbox, please check your promotions/spam section.

How can I integrate SpankPay into my site?

The Developer Documentation for the SpankPay SDK is here:


I'm trying to withdraw but it says my available balance is $0.

You may be trying to withdraw a currency you are not currently holding.  A detailed breakdown of your balances is available in the "Crypto Wallet" tab with additional withdrawal options.

Is there a minimum withdrawal amount?

Yes, minimum amounts change daily and can be found here.

How long do I have to wait until I can withdraw funds?

You can withdraw 100% of your earnings as soon as you receive them!

How long does it take for funds to hit my bank?

A withdrawal can take approximately 30 minutes to process and another 2-3 business days to arrive in your bank account.

What are the crypto / banking withdrawal fees?

Withdraw fees can change day by day.  To view the current withdraw fees, check out this What are the current withdrawal fees?

How do I withdraw in crypto?

To withdraw in crypto, you can click the big pink withdraw button on your SpankPay dashboard (which will default to withdrawing from your largest balance). For more granular withdrawal options, click "Crypto Wallet" on the SpankPay dashboard home.

I changed my holding currency to Bitcoin, but when I try to withdraw from my balance it wants to convert it to ETH instead of BTC.

Your holding currency setting only affects future incoming payments. If your balance is in ETH it can only be withdrawn as ETH or USD. SpankPay does not support exchanging tokens.


How do I load my SpankPay account balance?

If you would like to send payments with SpankPay, you will first need to receive a payment from your SpankPay.Me page.  To do this, guide users to your SpankPay Me page ("username").  Here users can tip/pay with crypto, debit, or their own SpankPay account.  You can also always send a payment to your own SpankPay account.

I just wanted to know if I pay someone is my payment anonymous?

Yes, 100% anonymous!  Your real name, nor your client's, will ever show up.  On your client's end, if they pay you with debit card, the word "Wyre" will appear on their bank statement (which is our billing provider).

How do I pay other users with my SpankPay balance?

You can pay other users on their SpankPay Me site.  Go to their site"username":

Enter the amount you wish to pay and (optional) a message below.

Click the Pay Me button.

Toward the bottom of the next page, click the button that says, "Have a SpankPay Balance?" to login to your account.

After logging in click the Pay Now button on the next page.

Are there any chargebacks?

Not on crypto! Our debit card processor also takes 100% of chargeback risk so there will never be chargebacks on your SpankPay payments.

SpankPay Me

How can I find a users SpankPay.Me page?

If you know the username you can enter it at the end of the SpankPay Me address to go to their page.  Example:"username"

What options do I have to pay?

You can pay with crypto, debit, or with your SpankPay account balance.

What is Wyre when I try to pay with debit?

Wyre is our debit card processor and banking partner.

What are the fees when paying with debit?

Click here for more information on debit fees.

If you have any further questions, our support team is happy to help.  Feel free to email us anytime at