Stablecoin paymentsPublic preview

You can accept stablecoin payments that settle as fiat in your Stripe balance. You can accept USDC payments on Ethereum, Solana, and Polygon without holding or converting crypto to fiat yourself. We charge 1.5% of the transaction amount (in USD).

This works with Checkout, Elements, or you can directly integrate it through the Payment Intents API. When integrated, the option to pay with crypto appears and redirects your customers to a page hosted by crypto.link.com to complete their payment. There, they can connect their wallet and save and reuse their account using Link. Before you get started, see our demo that shows how Pay with Crypto works.

Overview

1. After you complete onboarding, the option to select Crypto as a payment method appears in your checkout form.

2. When your customer clicks this option, we redirect them to a page hosted by crypto.link.com, where they can:

   • Confirm the amount they need to pay.
   • Connect the wallet they want to pay with.
   • Confirm the payment by signing the transaction that transfers the USDC from their wallet.

3. After Stripe confirms the payment, the customer sees that the transaction is complete. As with any other Stripe transaction, you see an update to your Stripe balance.

Feature set

The following table contains the feature snapshot:

Onboarding

Before you can accept stablecoins:

1. Activate a Stripe account (if you haven’t already) to make sure that we’ve approved you to process payments.

2. Go to your Payment methods settings, and request the Crypto payment method.

3. Fill out your business’s information and accept the terms on the page.

4. After we review your information and approve you, Crypto becomes active in the Dashboard. If the payment method appears as pending, we’re still reviewing your candidacy, and might reach out to you for more details.

Consider the following before integrating:

• Refunds: To issue a refund, follow the refund flow. For crypto payments, the refund goes back as stablecoins in the customer’s original wallet.

• Holding crypto: Transactions settle in USD to your Stripe balance.

• Settlement currencies: We currently only support USD settlement.

Billing

Use Stripe Billing to create crypto-supported invoices and subscriptions. Crypto invoices and subscriptions only support the send_invoice collection method.

Connect support

Connect platforms can accept crypto payments for all charge types, but can’t accept crypto for a charge that has on_behalf_of set. The connected account associated with the charge must have the crypto_payments capability active.

Connected accounts with full Stripe Dashboard access can enable crypto as a payment method in their Dashboard, the same way they enable other payment method capabilities.

For connected accounts without full access to the Stripe Dashboard, including Express and Custom accounts, you must first request access to crypto payments by reaching out to stablecoin-payments@stripe.com. After we enable access, you can request the crypto_payments capability for them using the API or from their account details page in your platform Dashboard.

To see which connected accounts have enabled Crypto, check whether their crypto_payments capability is set to active in the Account object’s capabilities hash.