Guide
How to accept stablecoin payments for your business
Stablecoins like USDC let customers pay you in digital dollars that settle in seconds. Here's how the main options compare and what to think about before you start.
Why businesses accept stablecoins
USDC is a stablecoin designed to hold a steady value of one U.S. dollar. For a business, accepting it can mean faster settlement than checks or ACH, lower processing costs than cards, no card chargebacks, and an easy way to get paid by customers in other countries.
Comparing the main options
| Option | Published processing fee | Notes |
|---|---|---|
| Coinbase Business | Per-payment fee shown in your account | USDC payment links, invoices and checkouts; settles in USDC; optional auto-convert to USD (conversion fee applies). |
| Stripe stablecoin payments | 1.5% of the transaction | Added inside an existing Stripe checkout; includes conversion to fiat. |
| BitPay | 2% + 25¢ (under $500K/month) | Tiered; lower rates at higher monthly volume. Bank settlement available. |
| Credit cards (for comparison) | 2.9% + 30¢ (Stripe standard card rate) | Plus extra fees for international cards; chargebacks possible. |
Fees change often. Published rates verified October 2026; confirm current pricing with each provider. Coinbase does not publish its Business payment fee publicly; it is shown after sign-up.
What it looks like in practice
On a $10,000 invoice, a 2.9% + 30¢ card fee is about $290. At 1.5%, it is $150. Stablecoin payments are also final, so there is no chargeback risk. Network fees on Base are usually a few cents or less.
What to think about first
- Who in your company can create invoices, and who can withdraw funds
- Whether to auto-convert to dollars right away or hold some USDC
- How payments will be recorded in QuickBooks or Xero
- Whether your customers actually want to pay this way
Common questions
Do I have to hold crypto?
No. You can have USDC payments convert automatically to dollars and pay out to your bank account.
Which option is cheapest?
It depends on your volume, how you want funds settled, and which tools you already use. We compare current fees for your situation during the discovery call.
Are stablecoin payments reversible?
Generally no. Once confirmed they are final, which removes chargeback risk but means refunds have to be sent as a new payment.
This guide is general education, not legal, tax or investment advice.