# Stablecoin payments Let your customers pay with crypto that settle as fiat in your Stripe balance. While customers can use crypto as a payment method globally, Pay with Crypto is currently only available to a limited set of US businesses. If you don’t see **Crypto** in your **Payment methods settings**, we haven’t granted you access yet. 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](#feature-set) 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](https://buy.stripe.com/test_28o4ig0SY9Xq8co3cc) 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. 1. 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. 1. 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: | | | | ------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Availability** | US-based businesses | | **Features** | - Implementable through Stripe’s Payment Element, Checkout, or directly through the Payment Intents API. - No dispute liability for integrating businesses. - Returning customers can click to checkout using Link. | | **Recurring payments** | [Supported](https://docs.stripe.com/crypto/stablecoin-payments.md#billing) by `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, Polygon, and Base - USDP on Ethereum and Solana - USDG on Ethereum | | **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 in public preview. If you have any questions or feedback, contact [stablecoin-payments@stripe.com](mailto:stablecoin-payments@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) to make sure 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, **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](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 Connect platforms can accept crypto payments for all [charge types](https://docs.stripe.com/connect/charges.md), 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](https://dashboard.stripe.com/settings/payment_methods), 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](mailto:stablecoin-payments@stripe.com). After we enable access, you can [request the `crypto_payments` capability for them](https://docs.stripe.com/connect/account-capabilities.md#more-about-capabilities) using the API or from their account details page [in your platform Dashboard](https://dashboard.stripe.com/connect/accounts). 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](https://docs.stripe.com/api/accounts/object.md#account_object-capabilities-crypto_payments).