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Stablecoin payments

Accept USD Coin (USDC) payments

USDC is a dollar stablecoin issued by Circle. It suits merchants who want to be paid in a dollar-pegged coin, on networks with low fees.

Networks you can accept USDC on

Customers choose the network when they pay, and the invoice shows the address and amount for that network. Each network is separate: USDC sent on one network can't arrive on another.

NetworkNetwork fee paid inConfirmationsTypical wait
EthereumETH12about 2 minutes
BNB Smart ChainBNB15about 15 seconds
PolygonPOL64about 2 minutes
BaseETH20about 40 seconds
Arbitrum OneETH20about 20 seconds
SolanaSOL32about 30 seconds
Waits are typical times from the network's block interval, not guarantees. Full list: coins and networks.

How accepting USDC works

  1. 1

    Create an invoice or share your checkout

    Price it in your own currency. Send the customer to your checkout page, share a payment link, or create the invoice with the API.

  2. 2

    The customer picks USDC

    The invoice shows the exact USDC amount at a locked rate and a deposit address used for this invoice only, with a QR code.

  3. 3

    Crypto Merchant watches the network

    Once the payment has enough confirmations, the invoice is marked paid and your webhook, if you use one, is called.

  4. 4

    Your balance grows, and you pay out when you like

    Payments collect in your business's pool wallet. Pay out any time with no minimum.

What it costs

  • 1% per paid invoice. Expired or cancelled invoices cost nothing.
  • Free setup. Going live takes a one-time $25 payment, credited in full to your gas balance.
  • No sweep fee. Moving payments into your pool costs only the network fee.
  • Payouts any time, with no minimum. Swaps into a holding coin include a service margin in the rate.

See the full pricing.

Why businesses accept USDC

  • Prices stay steady: a stablecoin is designed to hold its value against the dollar.
  • Customers anywhere can pay without cards or bank transfers.
  • You can keep your balance in a stablecoin and pay out when it suits you.

Other coins you can accept

Frequently asked questions

How long does a USDC payment take to confirm?
It depends on the network the customer pays on. Crypto Merchant waits for a set number of confirmations on each: Ethereum about 2 minutes, BNB Smart Chain about 15 seconds, Polygon about 2 minutes, Base about 40 seconds, Arbitrum One about 20 seconds, Solana about 30 seconds.
What does it cost to accept USDC?
1% per paid invoice. Setup is free and unpaid or expired invoices cost nothing. Moving coins on a blockchain also costs a small network fee, paid from your gas balance.
Can I get paid out in a different coin than USDC?
Yes. You can pay out each coin to its own wallet, or have your balance swapped into one holding coin, such as USDT, before it is paid out. Swap rates include a service margin.
What happens if a customer sends USDC on the wrong network?
Customers must send the coin shown on the invoice, on the network shown. The same coin on two networks is not interchangeable, and coins sent on another network may be lost for good.
Do I need ID to start accepting USDC?
No. Anyone, in any country, can sign up without ID documents. You still have to follow the law where you do business and the Crypto Merchant Terms of Service.

Start accepting crypto today

Free setup, no ID checks to sign up, 1% per paid invoice, and payouts whenever you want.

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