# Stablecoin payments Let your customers pay with crypto that settle as fiat in your Stripe balance. While customers worldwide can use crypto as a payment method, Pay with Crypto is currently only available to a limited set of US businesses. If you don’t see **Crypto** in your **payment method settings**, we haven’t granted you access yet. You can now accept stablecoin payments that settle as fiat in your Stripe balance. You can accept USDC payments on Ethereum, Solana, and Polygon without the complexity of holding or converting crypto to fiat yourself. We [charge](#feature-set) 1.5% of the transaction amount (in USD). This works with *Checkout*, *Elements*, or can be directly integrated through the *Payment Intents API*. When integrated, the option to pay with **Crypto** appears that 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](https://buy.stripe.com/test_28o4ig0SY9Xq8co3cc) showcasing Pay with Crypto in action. ## Overview The following example assumes you’ve added crypto to the [Payment Element](https://docs.stripe.com/payments/payment-element.md): 1. After you’re set up with stablecoin payments, the option to select **Crypto** as a payment method appears in your checkout form. 1. When your customer clicks this option, they’re redirected 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. 1. After Stripe confirms the payment, the customer sees that the transaction is complete. And just like any other Stripe transaction, you see an update to your Stripe balance. ![Pay with Crypto](images/crypto/hypernian-pay-with-crypto.png) Add crypto as a payment option to your checkout page ## Feature set The following table contains the feature snapshot: | | | | ------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Availability** | US-based businesses | | **Features** | - Implementable through Stripe’s Payment Element, Checkout, or directly through the Payment Intents API. - Zero dispute liability for integrating businesses. - Returning customers get one-click checkout using Link. | | **Recurring payments** | [Supported](https://docs.stripe.com/crypto/stablecoin-payments.md#billing) with `send_invoice` [collection method](https://docs.stripe.com/billing/collection-method.md) subscriptions. | | **[Manual capture](https://docs.stripe.com/payments/place-a-hold-on-a-payment-method.md)** | Not supported | | **Currencies** | - USDC on Ethereum, Solana, and Polygon - USDP on Ethereum and Solana | | **End customers** | Global (except for sanctioned countries) | | **Transactions** | Transaction limits on the end customer are 10,000 USD per transaction and 100,000 USD per month. | | **Pricing** | 1.5% of the transaction amount (in USD) | Pay with Crypto is a new feature. If you have any questions or feedback, contact [pay-with-crypto@stripe.com](mailto:pay-with-crypto@stripe.com). ## Onboarding Before you can accept stablecoins: 1. [Activate](https://docs.stripe.com/get-started/account/activate.md) a Stripe account, if you haven’t already, ensuring that we’ve approved you to process payments. 1. Go to your [payment methods settings](https://dashboard.stripe.com/settings/payment_methods), and request the **Crypto** payment method. 1. Fill out your business’s information and accept the terms on the page. 1. After we review your information and approve you, the **Crypto** payment method 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](https://docs.stripe.com/refunds.md). 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](https://stripe.com/billing) to create Crypto supported *invoices* and *subscriptions*. Crypto invoices and subscriptions only support the `send_invoice` [collection method](https://docs.stripe.com/billing/collection-method.md). ## Connect support The following [Connect charge](https://docs.stripe.com/connect/charges.md) types, typically used by Connect platforms, are available to businesses using Pay with Crypto. Connected accounts must directly enable **Crypto** in their [payment method settings](https://dashboard.stripe.com/settings/payment_methods) before they can accept crypto payments. You can’t enable crypto payments through the [Accounts API](https://docs.stripe.com/api/accounts/.md) or [Capabilities API](https://docs.stripe.com/api/capabilities.md). | Destination charges | Separate charges and transfers | Direct charges | on_behalf_of | | ------------------- | ------------------------------ | -------------- | ------------- | | Supported | Supported | Supported | Not supported |