MiCA-licensed in the EU

Accept USDC payments on major networks

Accept USDC on Ethereum, Polygon, Base, Solana, and Binance Smart Chain. Your customers pay in the stablecoin they trust. You receive EUR/USD/GBP, hold USDC, or split between them.

Accept USDC payments on major networks

MiCA advantage in USDC payments

Circle holds MiCA authorization. That makes USDC the only major stablecoin fully compliant with EU requirements. For regulated payment gateways, it is the only option.

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MiCA authorized

USDC is issued by a MiCA-authorized entity.

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Regulatory compliant

The only major stablecoin fully aligned with MiCA.

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$1.26T monthly volume

One of the most actively used digital dollars globally.

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Dollar-backed

Backed 1:1 by cash and short-term US Treasuries.

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Monthly attestations

Independent reserve verification every month.

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Preferred by businesses

Built for regulated payments and settlements.

USDC on 5 blockchain networks

We support USDC on every major network your customers use. They choose the network at checkout. You receive the same settlement regardless.

Network Confirmation Typical fee Best for
Ethereum ~15 seconds $1–5 High-value transactions
Polygon ~5 seconds <$0.01 Everyday payments, highest USDC volume
Base ~2 seconds <$0.01 Cost-sensitive payments
Solana ~5 seconds <$0.01 Speed-first transactions
Binance Smart Chain ~3 seconds $0.05–0.10 Binance ecosystem users

70%

USDC share of all stablecoin transfers

20x

Transaction volume growth in 18 months

1,264%

USDC payment
growth at CoinGate

$5.3T

USDC volume on Base, Jan 2026

$6B

Monthly stablecoin B2B payments

How USDC payments work

Your customer pays in USDC. You receive fiat. Four steps, fully automated.

1

Customer selects crypto at checkout

On your checkout page, the customer picks “Pay with Crypto” and selects USDC. They can connect via WalletConnect, Binance Pay, or scan a QR code with any compatible wallet.

2

Customer picks a network and sends USDC

The payment page shows all supported networks with real-time fee estimates. Your customer chooses the network that works best. Low-value purchases often go through Polygon or Base. Larger transactions may use Ethereum.

3

CoinGate confirms the transaction

We detect the payment on-chain, lock the exchange rate, and confirm the transaction. Confirmation times range from 2 seconds on Base to about 15 seconds on Ethereum.

4

You receive your settlement

Choose how to settle: auto-convert to EUR and withdraw to your bank via SEPA, hold as USDC in your CoinGate balance, or split between both. Same-day settlement available.

USDC payment integrations

Multiple paths depending on your technical setup and business needs.

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REST API

Full programmatic control over the payment flow. Create orders, manage callbacks, handle settlements. Ideal for custom-built platforms.

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E-commerce plugins

Ready-made plugins for WooCommerce, PrestaShop, WHMCS, Shopware, Magento 2, and OpenCart. Install, configure, and start accepting USDC within minutes.

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Billing

Send USDC invoices via email or direct link. Clients pay on their preferred network. You settle in EUR or hold USDC.

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Payment channels

Dedicated USDC deposit addresses for recurring payments or account top-ups. Persistent addresses for repeat customers.

USDC settlement options

You control how and when your funds move.

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Auto-convert to EUR

Every USDC payment converts to EUR at market rate. Withdraw to your bank via SEPA. Zero crypto exposure on your balance sheet.

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Hold as USDC

Keep the stablecoin in your CoinGate account. Convert when you choose. Useful if you also need to make USDC payouts.

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Split

Set a percentage to convert to EUR and the rest to hold as USDC. Adjust anytime from your dashboard.

Who accepts USDC payments?

Businesses across industries use CoinGate to accept USDC.

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VPNs and proxies

Between 30% and 75% of proxy provider payments come through crypto. USDC gives privacy-focused customers a predictable payment method.

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Hosting and cloud

Server hosting, domain registration, cloud infrastructure. Customers in regions with limited card access use USDC as a reliable alternative.

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SaaS platforms

Recurring stablecoin billing for global customers. No card declines, no cross-border fees. Automate subscription payments through the API.

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E-commerce

Plugins for WooCommerce, PrestaShop, WHMCS, and more. Customers can connect wallets via WalletConnect or Binance Pay in seconds.

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Gaming and digital

Microtransactions with near-instant settlement. USDC on Base or Polygon costs fractions of a cent per transaction.

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Freelancer platforms

Accept USDC deposits from clients, then distribute payments to freelancers worldwide. No bank required on the receiving end.

Have a question about USDC?

Frequently asked questions (FAQ)

What is USD Coin?

USD Coin (USDC) is a stablecoin, a type of cryptocurrency designed to have a stable value pegged to the US dollar. It operates on various blockchain networks and offers the benefits of digital currency while minimizing the risks of volatility typically associated with cryptocurrencies.

Why accept USD Coin for payments?

Receiving payment in USD Coin (USDC) offers the advantage of stability, as its value is consistently pegged to the US dollar. It also provides the benefits of fast, secure transactions, making it ideal for international payments and digital commerce.

What exactly is USD Coin payment gateway?

The USD Coin (USDC) payment network refers to the blockchain infrastructure on which USDC operates. This network facilitates digital transactions, providing a stable medium of exchange that can be used for payments, trading, and decentralized finance (DeFi).

What companies accept USD Coin for payments?

A wide range of companies, especially those operating in the tech, online services, and e-commerce sectors, now accept USD Coin (USDC) as a method of payment. This includes online retailers who appreciate USDC’s stable value against the US dollar, making it an attractive option for managing transactional price stability. Payment processors and various digital platforms utilize USDC to take advantage of its efficiency in processing transactions swiftly and securely. The adoption of USDC by these businesses reflects its growing reputation as a reliable and stable digital currency suited for both domestic and international transactions.

How safe are payments made on the USD Coin network?

Payments made with USD Coin (USDC) are highly secure, thanks to the underlying blockchain technology that facilitates transparency and robust protection against fraud. The blockchain’s immutable ledger ensures that every transaction is permanently recorded and openly verifiable, which significantly reduces the possibility of tampering and fraudulent activities.For added security, it is recommended that users transact using reputable digital wallets known for their strong security features. These wallets often include advanced encryption, two-factor authentication, and regular updates to safeguard your assets.

What business benefits most of USD Coin payments?

Businesses in international trade, digital commerce, retail, and online services find significant advantages in using USD Coin (USDC) due to its stability and efficiency. Being pegged to the US dollar, USDC offers predictable pricing, avoiding the volatility typical of other cryptocurrencies. This stability is particularly valuable for companies dealing across borders, where currency fluctuation can impact costs. Additionally, USDC transactions are processed swiftly and securely, which is ideal for businesses that require fast and reliable payment processing to enhance customer satisfaction and improve cash flow.

Is accepting USDC payments legal?

Accepting USD Coin (USDC) is legal in many countries, though regulations vary. Businesses should review local laws and compliance requirements before accepting USDC payments to ensure legality and regulatory adherence.

Can my company accept USD Coin payments?

Yes, your company can accept USD Coin (USDC) by integrating with cryptocurrency payment gateways or platforms that specifically support USDC transactions. This setup allows for secure and efficient digital payments, leveraging blockchain technology to ensure both speed and security. These platforms facilitate the entire payment process, from transaction verification to final settlement, providing a streamlined experience for both your business and your customers. Integrating USDC as a payment option can enhance your company’s capability to conduct transactions globally without the typical delays or fees associated with traditional banking.

How to get paid in USD Coin?

Receiving payments in USD Coin (USDC) is straightforward and can be achieved through two main methods. Firstly, individuals or businesses can provide their USDC wallet address to those who wish to make a payment. This direct method allows for immediate and secure transfer of funds into the designated wallet.Alternatively, utilizing a payment gateway that supports USDC can offer additional benefits. These gateways facilitate the entire payment process, ensuring transactions are not only quick but also secure. They handle the technical aspects of the transaction, provide additional security features, and often offer tools for tracking and managing payments.

Can I pay with USD Coin?

Yes, you can use USD Coin (USDC) to make payments, particularly with merchants in the technology and digital sectors. USDC is favored by these businesses for its stable value, which is pegged to the US dollar, ensuring that it doesn’t suffer from the volatility common to many other cryptocurrencies.Additionally, USDC transactions are processed quickly, allowing for efficient and timely completion of purchases. This combination of stability and speed makes USDC a highly attractive payment option for anyone looking to conduct secure and reliable transactions online.

How to accept USD Coin donations?

Organizations or individuals looking to accept donations in USD Coin (USDC) can do so by simply providing their USDC wallet address to donors. This direct method ensures that funds are transferred securely and swiftly into their wallet, allowing immediate access to the donations.Alternatively, integrating with donation platforms that support USDC can enhance the donation process. These platforms offer robust security features to protect transactions and provide a user-friendly interface that can simplify the donation process for supporters.