Accept USD Coin (USDC) payments
Price in US dollars; the customer pays the exact USDC amount to an address made for that order. 0.5% per payment, no monthly fee.
- Credited
- 8 networks
- Fee per payment
- 0.5%, nothing monthly
- Price
- Locked per order
- Auto-convert
- Already a stablecoin
About USD Coin (USDC)
USDC is a dollar stablecoin issued by Circle and redeemable one to one for US dollars. It is common on Ethereum and its layer-2 networks, and on Solana.
Like USDT, a USDC payment keeps its dollar value from checkout to your balance. Many businesses prefer to hold USDC, so you can also convert incoming coins to it automatically.
How a USDC payment works
- 1You create an order in USD
From your store plugin, a payment link or one API call.
- 2The USDC amount is locked
Converted at the live price once, when the order is created. It never changes afterwards.
- 3The customer pays a fresh address
A deposit address made for this order only, with a QR code.
- 4You get a signed webhook
When the payment is credited, your balance goes up and your system is told.
USDC networks
| Network | Credited | Payout network fee | Auto-convert |
|---|---|---|---|
| EthereumERC-20 | after 12 confirmations | 4 USDC | — |
| Base | after 20 confirmations | 0.05 USDC | — |
| ArbitrumArbitrum One | after 40 confirmations | 0.1 USDC | — |
| PolygonPolygon PoS | after 64 confirmations | 0.05 USDC | — |
| BNB ChainBEP-20 | after 15 confirmations | 0.2 USDC | — |
| OptimismOP Mainnet | after 20 confirmations | 0.05 USDC | — |
| AvalancheAvalanche C-Chain | after 20 confirmations | 0.1 USDC | — |
| SolanaSPL | at “finalized” commitment | 0.1 USDC | — |
Payout network fee: a flat fee per withdrawal to your own wallet, plus the 0.5% commission. Full pricing
Add USDC to your site
Install a plugin, share a payment link, or call the API. The customer can also pick USDC on a hosted checkout page where you offer several coins.
- A new deposit address for every order
- Signed webhooks and a status check before you ship
- Test keys with free testnet coins before going live
// Your server: create a payment for an order
const res = await fetch('https://stablora.xyz/api/v1/payments', {
method: 'POST',
headers: { Authorization: `Bearer ${STABLORA_KEY}`,
'Content-Type': 'application/json' },
body: JSON.stringify({
reference: 'order-1042', amount: '49.90', currency: 'USD',
network: 'base', asset: 'USDC',
}),
});
const payment = await res.json();
// payment.amount: the exact USDC amount, locked for this order
// payment.depositAddress: a new address for this order only
// redirect the customer to https://stablora.xyz/pay/<payment.id>Questions about USDC
More in the help center.
How fast is a USDC payment confirmed?
It depends on the network: Ethereum 12 confirmations, Base 20 confirmations, Arbitrum 40 confirmations, Polygon 64 confirmations, BNB Chain 15 confirmations, Optimism 20 confirmations, Avalanche 20 confirmations, Solana at “finalized” commitment. The checkout shows the progress live and you receive a signed webhook when it is credited.
What does it cost to accept USDC?
0.5% of each payment, with no monthly or setup fee. Withdrawing to your own wallet costs a 0.5% commission plus a flat network fee per network (see pricing).
What if the customer sends too little or too much?
If less arrives, the checkout asks for the rest before the order expires (you can accept small shortfalls with a tolerance in Settings). Anything above the amount due is recorded as an overpayment that you can refund.
What if the customer uses the wrong network or coin?
The checkout shows the coin and network right next to the address. Coins sent on another network or in another coin are not credited automatically.
Do I carry price risk with USDC?
USDC tracks the US dollar, so the dollar amount you invoiced is what lands in your balance, minus the fee. You can hold it or withdraw it to any wallet.
USDC by network
Other coins
USDT
BTC
ETH
SOL
TRX
TON
BNB
LTC
XMR
DOGEStart accepting USDC today
Free to start, 0.5% per payment. Try everything with test keys first.