Guide

Best stablecoins for payments

The best stablecoins for accepting business payments, compared on stability, liquidity, chain support, and fees - and how to accept them.

In short

The best stablecoins for payments are USDC and USDT: both hold a steady $1 value, have deep liquidity, and run on low-fee chains like Polygon and BNB Chain. USDC leads on transparency; USDT on liquidity.

What makes a good payment stablecoin

For payments you want stability (a reliable $1 peg), liquidity (easy to convert), broad chain support, and low network fees. USDC and USDT meet all four; accepting both lets customers pay with what they already hold.

Part of our guide to stablecoins for business.

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Guide

Stablecoins for business

A complete guide to using stablecoins in business: what they are, USDC vs USDT, safety, best options for payments, and how stablecoin settlement works.

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Guide

USDC vs USDT

USDC vs USDT compared for business payments: issuer, reserves, transparency, chains, and liquidity - and which to accept.

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Product

Accept USDC payments

Accept USDC from customers (or let them pay by card) and receive it in your own wallet on Polygon, BSC, or Ethereum. Low fees, non-custodial, global.

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Product

Accept USDT payments

Accept USDT (Tether) - or let customers pay by card and receive USDT in your own wallet on Polygon, BSC, or Ethereum. Non-custodial, low fees.

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Questions

Frequently asked questions

What's the best stablecoin to accept?
USDC and USDT are the top choices; accept both to cover the most customers.
Which chain is cheapest?
Polygon and BNB Chain have the lowest network fees.
Can I accept more than one?
Yes - Bitoshi supports USDC and USDT across Polygon, BSC, and Ethereum.

Get paid by card. Keep it in your wallet.

Add your wallet, share a link or drop in the API, and you're accepting card payments that settle in stablecoins. Live in minutes.

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