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BitPay processing times depend on the specific action and blockchain network. Most consumer cryptocurrency payments to merchants take 20 minutes to 1 hour to process, while merchant settlements, refunds, and initial account setups have separate timeframes.Consumer PaymentsBTC, BCH, and DOGE: Typically take 15 to 30 minutes. These require 2 blockchain network confirmations before the invoice status is marked as complete.ETH and ERC-20 Tokens: Can take up to 1 hour. These require 50 block confirmations for completion.Note: You have a 15-minute window to complete the payment after opening the invoice. Transaction speeds are dictated by the blockchain, not BitPay.