Guide

How stablecoin payments work

A plain-English walkthrough of how a stablecoin payment flows from customer to your wallet, and how card-to-stablecoin conversion fits in.

In short

In a stablecoin payment, the customer pays and the funds are settled on-chain as USDC or USDT to the merchant's wallet. With card-to-stablecoin, the customer's card charge is converted to stablecoins behind the scenes before settlement.

The flow, step by step

  1. 1
    Customer pays

    By card or crypto on a hosted checkout.

  2. 2
    Conversion (if card)

    A card charge is converted to USDC/USDT automatically.

  3. 3
    On-chain settlement

    Stablecoins transfer to the merchant's wallet; the transaction is verifiable on-chain.

Part of our guide to stablecoins for business.

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Questions

Frequently asked questions

How does a stablecoin payment reach me?
It settles on-chain to your wallet address; you can verify the transaction hash.
How does card-to-stablecoin work?
The card charge is converted to stablecoins before it settles to you, so you receive USDC/USDT.
Is settlement instant?
On-chain settlement is fast, typically minutes, depending on the network.

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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