Accept payments

Accept USD Coin (USDC) payments

Accept USDC payments on Ethereum, Base, Polygon, BNB Chain, and more, with fiat cards available alongside. U.CASH is non-custodial: funds settle directly to your wallet.

Why accept USD Coin

Merchants choose U.CASH to take USDC without giving up custody or control.

Non-custodial

USDC settles straight to your wallet. U.CASH routes and notifies, it never holds your funds.

Cards too

Offer fiat cards through your own merchant account in the same checkout, side by side with USDC.

White-label

Your logo, colors, and domain. The payment surface is yours; U.CASH is just the rails.

Low, transparent fees

A flat fee per transaction, no spreads, no hidden routing cuts. You see exactly what you pay.

Global by default

Anyone with a USD Coin wallet can pay. No chargebacks, no geography holds.

Per-coin finality

You set what counts as paid. Tune the confirmation policy for USDC per store.

How USD Coin payments work

Step 01

Create your checkout

Sign up at U.CASH Pay and create a checkout that accepts USD Coin alongside cards on 35 networks.

Step 02

Share the link or embed

Send a Pay-Now link, drop in the universal embed, or call the API server-side.

Step 03

Customer pays in USDC

The payer chooses USD Coin from any wallet. U.CASH watches the chain against your confirmation policy.

Step 04

Settle to your wallet

Once confirmed, USDC settles on-chain to the address you control, with a signed webhook.

How to start accepting USD Coin

Live in minutes. Drop a button on any site, or call the API server-side.

<!-- Universal embed: accepts USDC and 35 networks -->
<script src="https://pay.u.cash/js/client.js" async></script>
<div data-uxc="checkout" data-title="USD Coin payment"></div>

Ways to accept USD Coin

API

Create checkouts server-side with signed, replay-safe webhooks. Build any flow.

Embed and buttons

A universal embed script and Pay-Now buttons for any website, no backend needed.

E-commerce plugins

WooCommerce, Shopify, Magento, and 125+ integrations across the stack.

Invoices and requests

Email a Pay-Now link or a full invoice and get paid without a storefront.

POS and donations

Mobile POS apps and donation overlays for in-person and creator use.

Web3 names

Pay and pay out to ENS, Unstoppable Domains, and FIO handles, not raw addresses.

Fees and settlement

Settlement

On-chain, peer to peer, direct to the wallet address you configured. No pooled balance.

Confirmations

USD Coin default policy: Follows the host chain (Ethereum ~12, Base ~a few, Polygon ~a few). Adjustable per store.

Payouts

Auto-forward to an xpub or address, or hold in your own wallet and withdraw anytime.

Accept more than USD Coin

Tether (USDT)

The largest US-dollar stablecoin, live on Ethereum, Tron, and BNB Chain.

Dai (DAI)

A decentralized US-dollar stablecoin on Ethereum.

Bitcoin (BTC)

The original proof-of-work blockchain and largest cryptocurrency.

Ethereum (ETH)

The leading smart-contract blockchain and home of ERC-20.

Base (ETH)

Ethereum L2 built on the OP Stack.

Polygon (POL)

EVM sidechain built for fast, cheap payments.

Before you start

Two things and you are ready. A wallet that can hold USD Coin and a little USDC for gas on its chain, and the receiving address you want the output delivered to, which can be a raw address or a web3 name where the wallet resolves one. The preview shows the full picture before anything is signed: what leaves, what arrives, the fee, and the network cost. Nothing in the flow asks you to hand over keys; the wallet stays yours and signs only what you approved on screen.

Fees and settlement

The cost picture is two lines. The platform side is a flat 0.50% all-in on the swap, quoted before you sign, with no spread and no routing cut behind it. The network side is gas paid in USDC, settling with settles with the host chain blocks on Multi-chain token (ERC-20), which the preview itemizes per leg. Settlement is on-chain to the address you chose: Follows the host chain (Ethereum ~12, Base ~a few, Polygon ~a few) on this asset, after which the balance is spendable and non-custodial in the fullest sense, yours to move with no platform in the path.

The route runs on the aggregated DEX route, and atomicity is the property that matters: the approved number either happens in full or the transaction reverts with nothing moved but the attempt's gas. There is no resting state between legs where value sits in someone else's hands, and a route that misses your bounds simply fails clean, ready for a fresh quote. Cheap and loud beats silent and expensive as failure modes go.

Tokenized assets price from their issuer's own feed rather than a crypto market, so the quote tracks the underlying's session, and transfer eligibility follows the issuer's on-chain rules: the contract enforces them at settlement, which is why the checkout asks buyers to confirm eligibility once. These assets are not card-buyable; acquisition runs through the swap rail, and the fee structure above applies unchanged. What the wrapper adds is exposure with wallet speed, not brokerage machinery: no deposit account, no settlement lag between deciding and holding. Holders keep the same options as any token: send it, spend it where it is accepted, or swap back out the way they came in, and every movement carries the chain's own finality with it.

Accepting USD Coin: FAQ

How do I accept USDC payments?
Enable USDC in your U.CASH merchant settings and choose the chains you accept. Customers pay from any wallet, and funds settle directly to your wallet.
Why accept USDC?
USDC holds a stable dollar value, so it is ideal for pricing goods and settling without the volatility of other crypto assets.
How fast do USD Coin payments confirm at checkout?
settles with the host chain blocks per Multi-chain token (ERC-20), with the confirmation policy stated per asset. The buyer watches the same status the checkout acts on.
Can I convert USD Coin receipts automatically?
Yes: set auto-conversion into the settlement asset you keep, and the conversion executes at the payment-time rate. Hold or convert is a setting, changeable anytime.

Start accepting USD Coin today

Non-custodial checkout for USDC and 35 networks, live in minutes.