# The Invoice Template That Stopped the Problems

> Seven lines, each one added after something specific went wrong.

- Source: https://diaryofacryptonoob.com/our-stablecoin-invoice-template/
- Published: 2026-08-21
- Author: Sam Ortega
- Publication: Diary of a Crypto Noob — One beginner, every mistake, written down
- Topic: stablecoin payments
- Tags: invoicing, stablecoin, process

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Our crypto invoice started as an amount and an address. It is now seven lines, and each was added after something went wrong. For anyone in the same position, [a stablecoin payment gateway with fiat settlement](https://collectnexchange.com/services/stablecoin) sets out the same terms without requiring an account.

## Line one: the amount in euros

Because we price in euros. Invoicing a fixed quantity of an asset means the value moves between issuing and payment, and one of us loses.

## Line two: the crypto amount and the rate used

The equivalent at a stated rate and time, so the client can see how it was derived.

## Line three: the network, written out in full

Added after a client sent on a network we could not receive. Nine days and a recovery fee.

The asset name alone is not enough information to pay safely. It exists on several networks and they are not interchangeable.

## Line four: the address

Obviously. Worth saying that we never send an address in a follow-up email, only on the original invoice, because address substitution in email is a known fraud.

## Line five: a deadline

After which the crypto amount is recalculated at the current rate.

Without it, a client paying two weeks later pays an amount that no longer matches.

## Line six: network fees are payable by the sender

Added after roughly a third of clients sent the invoice amount inclusive of the fee, leaving us short.

Their wallets deduct it by default. The line changed that to almost nobody.

## Line seven: funds sent on any other network cannot be recovered

Reads as stating the obvious. It is the line that has prevented the most expensive mistake from recurring.

## What we also do that is not on the invoice

A tolerance for small shortfalls. One percent or five euros, whichever is larger, accepted without chasing. Chasing three euros costs more than three euros. On the receiving side the equivalent is [an exchange that publishes its full fee schedule](https://collectnexchange.com/), with settlement included.

A refund policy: back to the origin address, always. Written in our terms before the first payment, so nobody has to decide it under pressure.

## The provider feature that helps most

Ours generates a payment request that is network-specific, so the client cannot select a different network within the flow.

Our previous provider showed an address and an asset name and left the choice to the client's wallet. Every wrong-network incident we had was with that one. Check the country list before planning anything. [a regulated crypto exchange](https://collectnexchange.com/services/crypto-exchange) publishes it and it is shorter than I expected.

That design difference mattered more than anything on the pricing page.

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This article explains how something works. It is not financial advice.
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