# Accept stablecoin payments

Start accepting stablecoins by enabling the Crypto payment method.

You can accept *stablecoin* (A cryptocurrency pegged to a fiat currency or other asset to limit volatility. Stripe supports OUSD and USDC for stablecoin balances, although transfers on the Tempo network use USDC.e) payments through *Payment Links* (A link to a secure, hosted payment page that you can generate without code. Share it directly with your customers, or point them to it with a button or QR code), *Checkout* (A low-code payment integration that creates a customizable form for collecting payments. You can embed Checkout directly in your website, redirect customers to a Stripe-hosted payment page, or create a customized checkout page with Stripe Elements), *Elements* (A set of UI components for building a web checkout flow. They adapt to your customer's locale, validate input, and use tokenization, keeping sensitive customer data from touching your server), or the *Payment Intents API* (The Payment Intents API tracks the lifecycle of a customer checkout flow and triggers additional authentication steps when required by regulatory mandates, custom Radar fraud rules, or redirect-based payment methods). When paying with stablecoins such as USDC, customers get redirected to **crypto.stripe.com** to connect their crypto wallet and complete the transaction. Funds settle in your Stripe balance in USD.

## Before you begin

> Stablecoin payments are available to businesses in all US states, except New York.

To start accepting stablecoin payments:

1. Make sure you’ve [set up your Stripe account](https://dashboard.stripe.com/register).
2. Go to your [Payment methods](https://dashboard.stripe.com/settings/payment_methods) settings in the Dashboard and request the **Stablecoins and Crypto** payment method.
3. Stripe reviews your access request and contacts you for more details if necessary. The payment method appears as **Pending** while we review your request.
4. After we approve your request, the **Stablecoins and Crypto** payment method becomes active in the Dashboard.

## Use with dynamic payment methods (Recommended)

If you use Stripe’s default [dynamic payment methods](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md) with Payment Links, Hosted Checkout, Embedded Checkout Forms, or Elements, then you don’t need to make any further updates. Stripe automatically displays stablecoin payment options to eligible customers.

## Use with a custom integration

If necessary, you can add the crypto payment method to your payment integration manually.

# Checkout


When creating a new [Checkout Session](https://docs.stripe.com/api/checkout/sessions.md), you need to:

1. [Enable crypto](https://dashboard.stripe.com/settings/payment_methods) in your Dashboard. Stripe automatically displays crypto to eligible customers using [dynamic payment methods](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md). If you currently specify `payment_method_types`, see the [migration guide](https://docs.stripe.com/payments/dashboard-payment-methods.md).

2. Make sure all `line_items` use `usd`.

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u <<YOUR_SECRET_KEY>>: \
  -d mode=payment \
  -d "line_items[0][price_data][currency]"=usd \
  -d "line_items[0][price_data][product_data][name]"=T-shirt \
  -d "line_items[0][price_data][unit_amount]"=2000 \
  -d "line_items[0][quantity]"=1 \
  --data-urlencode success_url="https://example.com/success"
```

## Test your integration 

Test your crypto payment integration by opening the payment redirect page using your test API keys. You can test a successful payment flow at no cost using [testnet assets](https://docs.stripe.com/payments/accept-stablecoin-payments.md#testnet-assets).

1. In a *sandbox* (A sandbox is an isolated test environment that allows you to test Stripe functionality in your account without affecting your live integration. Use sandboxes to safely experiment with new features and changes), create a new transaction using your chosen integration method, and open its redirect URL.
2. Connect your preferred wallet and payment network.
3. Complete the payment, and validate that you’re redirected to the expected URL.

### Test payments with testnet assets 

Most cryptocurrencies offer testnet assets, or tokens that have no monetary value, that you can use to test blockchain transactions. Stripe recommends the MetaMask wallet, Polygon Amoy testnet, and Circle faucet for testing, but you can use your own preferred services.

#### Install a wallet

1. [Download the MetaMask extension](https://metamask.io/download) for your web browser.
2. [Create a new wallet](https://support.metamask.io/start/creating-a-new-wallet/) or [import an existing one](https://support.metamask.io/start/use-an-existing-wallet/).

#### Enable a testnet

1. In your MetaMask wallet, select **Networks** from the main menu.
2. Click **Add custom network**.
3. Enter the following details:
   - **Network name**: `Amoy`
   - **Default RPC URL**: `https://rpc-amoy.polygon.technology/`
   - **Chain ID**: `80002`
   - **Currency symbol**: `POL`
   - **Block explorer URL**: `https://amoy.polygonscan.com/`
4. Click **Save**.

#### Import a token

1. In your MetaMask wallet, under **Tokens**, select **Amoy** from the network dropdown.
2. Click the overflow menu (⋯), and select **Import tokens**.
3. Click **Select a network** > **Amoy**.
4. Under **Token contract address**, paste the Polygon Amoy testnet contract address:
   ```
   0x41E94Eb019C0762f9Bfcf9Fb1E58725BfB0e7582
   ```
The **Token symbol** field automatically updates with `USDC` and the **Decimals** field with `6`.
5. Click **Next**.
6. Verify that you’re importing the `USDC` token, and then click **Import**.

Your MetaMask wallet now shows **POL** and **USDC** in the tokens list.

When testing refunds, the token sent to your wallet might have a different contract than the one used for payment. We recommend reviewing the [transaction_hash](https://docs.stripe.com/api/refunds/object.md?rds=1#refund_object-destination_details-crypto-reference) of your refund on block explorer, and adding that token’s contract to your wallet. For example, you might see a `0x58277ebcabbe2a6694fbca8daf9e23163dbacf3e` token contract address for Sepolia ETH USDC refunds.

#### Get testnet assets

> To use some testnet faucets, you might need to hold a small amount of mainnet tokens.

1. Open [faucet.circle.com](https://faucet.circle.com/)
2. Click **USDC**.
3. Under **Network**, select **Polygon PoS Amoy**.
4. Under **Send to**, paste your wallet address.
5. Click **Send 20 USDC**.

In addition to USDC for making payments, you need POL to pay transaction costs:

1. Open [faucet.polygon.technology](https://faucet.polygon.technology/).
2. Under **Select Chain & Token**, select **Polygon Amoy** and **POL**.
3. Under **Verify your identity**, click the third-party platform you want to authenticate with, and complete the login process.
4. Under **Enter Wallet Address**, paste your wallet address.
5. Click **Claim**.

Testnet transactions can take a few minutes to complete. Check your wallet to confirm that the USDC and POL has transferred.

### More testnet faucets

Check these faucet services for more testing token options:

- [Paxos USDP](https://faucet.paxos.com/)
- [Devnet SOL](https://faucet.solana.com/)
- [Sepolia ETH](https://faucets.chain.link/sepolia)
- [Amoy POL](https://faucet.polygon.technology/)


## Optional: Calculate tax

Stripe Tax uses the amount, currency, product details, and customer location from your integration, regardless of whether your customer pays by card or stablecoin. The stablecoin token is the payment method and doesn’t require separate Stripe Tax configuration.

For Checkout and Checkout Sessions integrations, set `automatic_tax[enabled]=true` when you create a Checkout Session:

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u <<YOUR_SECRET_KEY>>: \
  -d mode=payment \
  -d "line_items[0][price_data][currency]"=usd \
  -d "line_items[0][price_data][product_data][name]"=T-shirt \
  -d "line_items[0][price_data][unit_amount]"=2000 \
  -d "line_items[0][quantity]"=1 \
  -d "automatic_tax[enabled]"=true \
  --data-urlencode success_url="https://example.com/success"
```

Checkout calculates tax from the Session amount in its presentment currency. It reuses or collects a customer address according to the [documented address hierarchy](https://docs.stripe.com/tax/checkout/page.md#create-session). For physical goods, collect a shipping address. Set `billing_address_collection=required` only when your use case requires Checkout to always collect a billing address. For the complete setup, see [Collect tax with Checkout](https://docs.stripe.com/tax/checkout/page.md).

For Elements, Direct API, and mobile integrations that use the Payment Intents API, see [Stripe Tax with PaymentIntents](https://docs.stripe.com/tax/payment-intent.md).

## See also

- [Stablecoin subscriptions](https://docs.stripe.com/billing/subscriptions/stablecoins.md)
- [Collect tax with Checkout](https://docs.stripe.com/tax/checkout/page.md)